BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/, the XXXX account that is linked to my bank account was used to send {$60.00} to an unknown receiver without my authority or knowledge. Then, on XX/XX/, a check for {$3000.00} made out to me but signed by a stranger was deposited into my account, and on the same day {$3000.00} was transferred from my bank account to an unknown receiver via XXXX ; again, without my authority or knowledge. On XX/XX/ XXXX  I received notice from my bank that the check for {$3000.00} would not be deposited because it was fraudulent. The check was from the XXXX XXXX XXXX XXXX ( XXXX ), which is an agency in Oklahoma, far from me in Connecticut. I contacted the organization, and they said they had many checks stolen from them. I also contacted the police associated with the XXXX, but they could not help. I also was in contact with the Deputy CFO of the XXXX, who also could not help. I contacted my bank several times via phone call and in-person visits, in XXXX of XXXX  a bank representative told me that they researched the claim and there was nothing they could do because XXXX is a different service from them, and unprotected. On XX/XX/ I wrote them a letter asking to speak to the fraud examiner or claim representative to further discuss this matter. They did not respond. I was XXXX XXXX XXXX and a XXXX XXXX XXXX and {$3000.00} was taken from my college funding. I did nothing wrong and the bank has only ignored or minimized this significant issue. This is a catastrophic concern for me.

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 2023-08-10
Company: PRESTIGE FINANCIAL SERVICES 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: Account information incorrect

Complaint:
On XX/XX/XXXX I requested validation of information on my credit files and to have inaccurate information removed. The car company was paid off in full they are still reporting negative information on my report. I have documentation where my insurance has paid them off after a head-on collision. I was in a payment plan paying off the debt. After the payoff, they raised the car over XXXX from where the debt had been paid down. I have documents to provide. Other companies are reporting duplicate accounts for the same dept. which is inaccurate. I have information reporting over seven years Lastly other companies for which I have never done business are on my report. Negatively reporting information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
REQUESTED XXXX XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX XXXX CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.

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 2019-04-29
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the previous owner of the property located at XXXX XXXX XXXX XXXX, Illinois XXXX which was subsequently foreclosed and purchased by XXXX on XX/XX/2018. Since then, XXXX has made no attempts to assume responsibility for the existing water bill. The utility company refuses to remove my name from the bill until the bank takes ownership. The account continues to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about ( XXXX  ) XXXX, XXXX XXXX I took out a personal from the Navy Federal Credit Union while I was XXXX XXXX  for the amount of {$2500.00} with payments of {$160.00} over 18 months maybe 24. I made my first payment on the loan XXXX XXXX, XXXX. At the request of my spouse I borrowed an additional {$2500.00} XXXX XX/XX/XXXX ( I'm not certain exactly ). I just made a payment of {$270.00} this XX/XX/XXXX as my balance was showing {$530.00} with {$590.00} due. I sat down and did due diligence arithmetic on my payments. I have paid out in excess of {$11000.00} having only borrowed a principle amount of {$5000.00}. Now we all have heard of the term 'loan sharking ' and considering how much I have paid NFCU, I do not believe this term to be unreasonable in describing my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable 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 2022-05-01
Company: Experian Information Solutions 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:
I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. XXXX 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 2018-10-10
Company: Experian Information Solutions Inc.
State: DE
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 is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.

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 2023-06-01
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.A 1681 section 602 states i have the right to privacy. 15 U.S.A 1681 section 604 A Section 2 : It also states A consumer reporting agency can not furnish account without my written instructions. 15 U.S.A 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.A 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 reasonable 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 2022-08-13
Company: Delta Management Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They left a voicemail on my phone at XXXX on XX/XX/XXXX for my father. I no longer have any debts with any collectors. In this voicemail they said : we need the documents as soon as possible that we have sent out to you recently by mail for your student loans so we can see if you do qualify for the forgiveness program that was recently approved by the government call back if you have any questions or concerns at XXXX extension XXXX. I am not aware of any forgiveness programs. They have called and left me messages multiple times over the past few months and have tried other deceptive tactics ( like mumbling their name and objective for the call ).

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 2023-03-17
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Bank account XXXX XXXX XXXX account XXXX I am disputing these fraudulent bank accounts that was open in my name for the third time with Early Warning services upon the investigation these accounts was blocked because of fraud But the the month of XXXX they have been rescinded back into my early warning services report. Early warning need to realize these companies did not do a fully investigation and so did early warning services. Early warning services clearly violated the fair credit laws that retaining about fraudulent accounts. I have submitted more evidence which I'm mailing off on XX/XX/2023 to block these fraudulent accounts again. Please pay attention to the signatures of mine to these companies which does not add up to mine during this fraudentlent incidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: NAVY FEDERAL CREDIT UNION
State: MO
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 have disputed and requested the Method of Verification for this account many times, all without an response. Also this very account was moved in XXXX, XXXX due to identity theft, however it was reinserted between the months of XX/XX/XXXX and XXXX of XXXX. And by the laws of the FCRA as my consumer rights, a company can not reinsert an account without giving a 5 day notice to do so, and on any occasion this did not happen. I'm demanding that this account ( Navy Federal Cr ) be removed from the credit reporting agencies immediately. Being a victim of anything is not good, but continuing to be one is painful. Not sure which is worse getting my identity stolen or constantly going thru this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Experian, XXXX, and XXXX have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with Experian, XXXX, and XXXX. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with Experian and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 
Experian is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( XXXX ) '' across all XXXX consumer credit agencies : XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX XXXX ( inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX ( Inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX ( inaccurate balance and/or missing the cents XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) Experian, XXXX and XXXX MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to Experian, XXXX, and XXXX 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.

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 2021-06-22
Company: EQUIFAX, INC.
State: CA
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 had stolen my XXXXdentity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for the sale of a car into my overdrafted checking account on XX/XX/23. The check was very large at {$92000.00} and was written against a XXXX XXXX XXXX  account the dealership owns. A deposit hold was placed on this check in the early morning hours of XX/XX/23, which made sense. The check was verified by Wells Fargo and the funds cleared and posted to my account on XX/XX/23 at XXXX in the afternoon. The notification of the clearing of the deposit stated the funds would be available on XX/XX/23. On XX/XX/23 in the early morning hours, a balance notification was sent to me showing a positive and accurate amount of available funds in my checking account. I then received a notification on XX/XX/23 at XXXX that these cleared and posted funds were forced into a second deposit hold, even though the funds were cleared and posted by the Dealerships bank and my bank. The second deposit hold reason is " Signature On Check Was Irregular, '' but after verifying with Wells Fargo that this occurred on their end, not the Dealership 's bank 's side, I have not received satisfactory information on how the signature was determined to be irregular, when the woman at the Dealership who wrote the check has had no prior business with Wells Fargo -- how does Wells Fargo even know what her signature looks like? I have repeatedly called, escalated, and made it a point to inform Wells Fargo that they are duplicated check verification steps for a check already cleared and posted. The bank refuses to release these funds that are surely due to me, until XX/XX/23 at the earliest, but the verification may take up to XXXX additional days.

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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 seen a lot of inquiries on my credit report that I dont give any company right to run my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2022, I purchased new hearing XXXX from XXXX XXXX for {$5300.00}. At that time they opened up a new credit account for me with Care Credit ( through Synchrony Bank ) a program that specialized in medical issues and one that I have used before for XXXX surgical bills for our dog. A special program was used to allow 0 % interest over a one-year period of time. I received initial account set-up emails from Synchrony Bank XXXX including their caveat that paying the minimum amount due per month would not pay off the total balance before the end of the one-year 0 % interest period. Throughout XX/XX/2022 and into XXXX, I logged onto Synchrony 's website at least once per week to review my statement ( s ) and process a payment. As recently as XX/XX/XXXX, I logged onto the site and read that no statement was available, that my balance was {$0.00}, and that my available credit was still {$5400.00}. I was also prohibited from making a payment in the absence of a statement. During a follow-up appointment with XXXX XXXX ( on XX/XX/XXXX ), I commented about the absence of statements and inquired as to whether XXXX XXXX had processed my billing. On Monday, XX/XX/XXXX, I reached a representative at Synchrony Bank and was informed that a statement was processed on XX/XX/XXXX, with payment due on XX/XX/XXXX. Since I was never sent a statement, I was unaware of this " supposed '' event, missed the due date, was charged a late fee, have unintentionally violated the 0 % provisions of my contract, and have suffered damage to my otherwise impeccable credit rating. Deplorable is the only available word to describe the performance of Synchrony Bank. I have paid the complete initial charge ( {$5300.00} ) and have requested that the late fee and any interest be removed from the account. I am awaiting their actions but wish CFPB interaction regarding Synchrony 's information practices and investigate how often such " mis-communications and lost statement '' occur.

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: MI
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 writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX On [ XXXX XXXX and XX/XX/XXXX ], Wells Fargo took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.

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