BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just spoke with Transunion with regards to an abundant amount of Fraud/Unauthorized inquiries that I noticed on my report, from XX/XX/XXXX. On XX/XX/XXXX I went to purchase a car from XXXX XXXX in XXXX. I had a previous auto Loan with then ( XXXX XXXX supplied the loan ) for my last car. The finance manager told me he was going to compare XXXX XXXX and XXXX XXXX ( which were my last XXXX auto loan providers ). I just noticed today that my credit report showed several unauthorized Inquiries from that date. I just spoke to Transunion to get these removed and they literally are trying to send me on a wild goose chase to remove these inquiries, which obviously was a malice act by the dealership to get my autoloan approved by any and every finance company known to man " WITHOUT MY CONSENT ''. I asked them to remove the following inquiries : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX, 4 ) XXXX, 5 ) XXXX XXXX ( Only XXXX XXXX inquiry should remain ) The only authorized ( valid ) inquiries on XX/XX/XXXX, were XXXX and XXXX ( yes XXXX inquiries on XX/XX/XXXX into the same company, but obviously XXXX of those inquires can stay. Please take this complaint seriously, as this has to be in some way a violation of my consumer rights, and an egregious act by a vendor. Thank you for any help you can provide in this situation, as I am simply looking to have these inquiries removed from my credit report, in as SIMPLE OF A MANNER as they were put on there without my consent. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed hard inquires on my Equifax credit report that were inaccurate. I called Equifax on the XXXX and spoke to an agent named XXXX ( agent number XXXX ) and explained to her that these inquires were inaccurate because I never authorized them. She said told me that there was nothing she could do about it. I sent a letter to Equifax and have yet to get the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Americas Car-Mart, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened an auto loan in my name, They repossessed the car and added it on my credit report with a balance. 

XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX : {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal Credit Union ( NFCU ) NFCU could not track deposits because the bank lump all desposits on same day into one full amount and NFCU tellers had problems locating deposite amounts had taken 3 days and management to get involved. Also, moved money out of pending then place it back in account to clear another item. I never heard of any financial institution moving money in and out of pending just to place it back as not clear. If I could rate no star I would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been writing complaints against Wells Fargo Bank for the last year for precatory lending tactics, harassment, discrimination, XXXX tactics and cookie cutter responses to consumer complaints. Wells Fargo has continued to lie about the situation stating that there was no proof in writing or on the recording that they claimed to have listened to that my claim is valid. They have continuously stated that I have no proof to support my accusations. However, the last two complaints that I filed contained written proof of the bank lying about all of my accusations and pretending to listen to recording which they had previously used as evidence against my case. After exposing their lies by providing written proof of their despicable XXXX, discriminating and predatory lending tactics. Wells Fargo now refuses to respond in writing to my complaint. After telling vicious lies and harassing me for a year they for a whole year, Wells Fargo Bank in now refusing to respond to my complaint. Since They can no longer tell their cookie cutter lies about my case, they are refusing to respond truthfully and settle my complaint. I need the CFPB to read my complaints and help me to stop this bank from destroying the life of their consumers and the elderly. When consumers provide the proof that Wells Fargo Bank is using unethical and illegal tactics, especially against Minorities and Senior Citizens, Wells Fargo Bank refuses to respond truthfully or make attempts to settle disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been getting notice from Exxon card through Citibank that my payment was due. So I'd get on my account and pay direct from my bank. I was setup for autopay but assumed if payment had been made it wouldn't be taken out again. On their FAQ sheet it specifically states that if you make a payment and then autopay is withdrawn, the account will be credited. I see I've been double charged for XXXX a {$140.00} on XX/XX/XXXX, then autopay of {$130.00} on XXXX XXXX {$60.00} on XX/XX/XXXX then autopay of {$60.00} on XXXX XXXX I may have been charged 4 times, {$110.00} XX/XX/XXXX, {$34.00} XX/XX/XXXX, {$33.00} XX/XX/XXXX and {$33.00} XX/XX/XXXX. I called to sort this out with an agent. I ended up getting a supervisor " XXXX '', wouldn't provide last name. I asked that my account be credited. She said she wouldn't that I need to dispute the charge. This despite being contrary to their written guidance as to overpayment supposed to be credited to account. I may well have been overcharged for previous months as well but they delete that information from their site. This nothing short of criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Meridian Financial Services, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 on my experian report, Meridian Financial Services reported two items placed for collections for {$3300.00} and {$1100.00} both of which are inaccurate. I have had no contact or communications with XXXX XXXX XXXX ( the original creditor ) dating back well over seven years from XX/XX/2019. To report delinquent information beyound the 7 year mark is beyond the statue of credit reporting. The information has negatively impacted my credit and is inaccurate and should not have been reported in XXXX. Additionally, statue of limitations is six years in MA. I would like to get this resolved and removed from my credit as being current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for the Equifax Data Breach Settlement on XX/XX/2022. I updated my address after moving however, I received a notification by email that my payment would be reissued as I believe it was mailed to my previous address. I have yet to receive the payment. Mail forwarding was on my previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae Student loans belong to Daughter and there making me responsible for repayment of loans I never applied for loans, I'm disable vet on fixed income and meet there loan forgiveness program but they refuse to honor their commitment to the disabled and refuse to provide me with the information because they say it's my daughter loans but they show up negatively on my credit report please help me to live what life I have left in peace. loans ( XXXX ) {$6100.00} XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company continues to contact me daily via phone, text and/or email ; despite having already discussed issue and reached agreement. Company refuses to cease harassing amount of contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
IN XXXX I WAS A VICTIM OF IDENTITY THEFT ... MY WELLS FARGO ACCOUNT WAS COMPROMISED ALSO THERES OTHER BANKS ON MY CREDIT REPORT THAT NEED TO BE REMOVED ALSO & CREDITORS & SEVERAL INQUIRIES THAT WERE DONE WITHOUT MY AUTHORIZATION THIS HAS BEEN A DEPRESSING PROBLEM PLEASE REMOVE THE WELLS FARGO UNAUTHORIZED XXXX XXXX ASAP TY ATTACHED IS A POLICE REPORT FROM XXXX TY!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NATIONSTAR MORTGAGE LLC reported our account late as of XX/XX/XXXX & XXXX XXXX  but it was because of there own negligence of servicing our account they put our funds into a hold account because a payment of {$1500.00} was made twice in the month of XXXX XXXX now I spoke with a account XXXX by the name of XXXX XXXX XXXX XXXX back in XX/XX/2023 from XXXX to about XXXX she found the lost funds applied for the funds to be returned to the right account and they had knowledge of this but still decided to report us late on a payment as XX/XX/2023 so how is that far for them to report false allegations to the credit bureaus. IF a credit bureau, creditor, or someone else violates the Fair Credit Reporting Act, you can sue. Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX there were XXXX fraudulent ACH transactions from my Chase savings account for a total amount of {$14000.00}. I did not receive any notifications from Chase about these events so I noticed it only a few weeks later. On XX/XX/XXXX I filed the claim stating that I have nothing to do with the business that pulled my money from my savings account and I never authorized these transactions. On XX/XX/XXXX Chase mysavingsaccount was credited with the full amount. On XX/XX/XXXX the decisionwas reversed and my savings account was debited with {$14000.00}. Chase unilaterally decided that I cooperated with the criminals and did not return my money. I spoke to the Claim department, and the customer service representatives XXXX times for XXXX hours total. Chase refused to explain why the decision was to not to give me my money back. Every conversation with Chase resulted in their recommendation to call the company that pulled my money from my savings account and ask them to return it. Case failed to perform it's part of our contract and recommended me to call the thief as a solution! I am devastated. I can't sleep, can't focus, can't work, I cry all the time. How after 18 years of being a Chase customer I was betrayed like that? As a measure to prevent further fraudulent activity Chase closed my old savings account and opened a new one on XX/XX/XXXX. Now all statements, letters, documents including the claim that I filled up are not available for me to view and print out as the old savings account disappeared from my Chase online profile. Chase refused to provide copies of any documents except transaction history that shows fraudulent ACH transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX of Wells Fargo Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CFPB Director of Consumer Financial Protection Consumer Financial Protection Bureau 1700 G Street NW Washington DC 20552 CFPB case number : Dear XXXX XXXX, I am interested to see if the recent {$3.00} XXXX Wells Fargo fine by the CFPB may compel Wells Fargo to fulfill their statutory FCRA obligation to respond to my FCRA 609 ( e ) identity theft information request? 

This request was delivered by certified mail to the address specified by your employee well over the FCRA statutory 30 day response requirement. 

Please find attached my cover letter from the 609 ( e ) identity theft information request dated XX/XX/XXXX. This will provide details of previous correspondence as well as the details I am requesting that was previously ignored by your representatives. 

Specifically, I want to know if representatives at WFC maintained a profile on me for well over 15 years after I closed an account at WFC for the purpose of accessing my financial data using the XXXX database under the false identity of XXXX XXXX? 

I look forward to your response, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed all my accounts with portfolio recovery through the original account holders and never got a response so they should have never sent it to profolio recovery and I'm siting a court case that shows that they are not allowed to do that. XXXX  XXXX XXXX XXXX XXXX   XXXX versus XXXX XXXX.

Company response to consumer: Closed with explanation