BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX XXXX XXXX XXXX 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.

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 2022-11-05
Company: NAVY FEDERAL CREDIT UNION
State: TN
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, transferred money from my money market account to my checking account with out my permission. When I contacted the bank, they refused to put the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Ability Recovery Services, LLC
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: Old information reappears or never goes away

Complaint:
I want to make another complain on this collection. This debt was claimed by another collection agency XXXX in the amount of {$900.00} in XXXX and then they closed it because this is not my account. Then Ability Recovery took over the debt again and reopened it in XX/XX/XXXX for the amount of {$1500.00}. This LLC is a scammer and I won't stand for them tarnishing my name and credit. I need something to be done about this because this is against the law to report false information like this. I need this bad debt out of my life from all three credit Bureau 's. This is not my debt as I explained. If you have a paper with a digital signature that doesn't mean it's me until I see proof with my real signature this is a scam. Remove this immediately from my credit reports.1510.This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. Please REMOVE this from my credit report IMMEDIATLEY.

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 2023-10-23
Company: MoneyLion Inc.
State: SC
Product: Credit reporting 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 received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
1 ) I never applied of credit with XXXX. 
2 ) I have not applied for credit within the past month. 
3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by XXXX. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to XXXX advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a victim of forced placed insurance. 
Wells Fargo Home Mortgage ( WFHM ) asked in order to receive a lender placed insurance refund of {$760.00} I need to provide proof of insurance for the lapse coverage dates of XX/XX/XXXX through XX/XX/XXXX. WFHM talking about HO-6 insurance. In reality my Condominium Master Policy includes HO-6 insurance, I didn't have lapse coverage. My current mortgage company XXXX sent to me a letter confirmed that Condominium Master Policy includes interior unit ( " Walls in '' ) coverage, including betterment and improvements.

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 2021-08-10
Company: FORD MOTOR CREDIT CO.
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 is missing that should be on the report

Complaint:
Deciding that I needed to build credit, I purchased a truck for my company in XX/XX/XXXX. It was financed in my name. 
After putting $ XXXX down, I was approved for financing the balance over the next few years. 
I was assured this was going to be reported to all 3 credit burrows. 
The financing company is Ford Motor Company Finance. 
I spoke to Ford finance on Friday XX/XX/XXXX ( last Friday ) and confirmed that they are sending the information for all of my payments to the credit borrows. 
In trying to purchase and finance a home, I need to have this sorted to why the loan is not appearing on my credit. 
I have made all payments in full and on time. 
Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-09-07
Company: EQUIFAX, INC.
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 Account # 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 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 2022-12-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The ACCOUNTS I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the ACCOUNTS be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the ACCOUNTS as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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:
On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX  ACCUSING ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over 100 times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax Fraud dept Im a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account and savings account with XXXX. A bonus of {$300.00} for meeting checking account direct deposit requirement was met and paid. A bonus of {$200.00} for meeting savings account deposit requirements was met and paid. For meeting both requirements, I was supposed to receive an additional {$100.00} bonus for meeting both requirements. XXXX is not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company XXXX XXXX XXXX ) and third party debt collectors ( Consumer Adjustment Company ) have harassed me and threatened to get me fired from my employer and ruin my credit if I do not pay them different amounts of money. I stopped contact with them and now they have reported incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a debit, pre-paid card from Bank of America link from EDD benefits, every two weeks EDD deposits money to a checking account created for to withdraw money and general purchases only. On XX/XX/2021 the Unemployment department benefits deposited {$1400.00} on to Bank of America, then I get a alert on my phone, so I new I had money to withdraw for my pay rent, on Monday the XXXX someone stole my identity of my debit, pre-paid card and the thief took out {$1000.00} and then on XXXX the thief withdraw out {$480.00}. I have a alert from Bank of America that I sign up online to alert me if I am low in balance {$25.00} or less, I got the alert so I checked on line why?? I was low in money, well soon enough I figure out I am a victim. The thief used a bank on XXXX XXXX, XXXX XXXX XXXX, XXXX California Branch of Bank of America, ATM I would guess, I called Bank of America on XX/XX/XXXX told the situation and they transferred me to claims dept. claims, they took my complaint and gave a claim # XXXX and they also requested for me to do a police report to fax them. On XX/XX/XXXX made the police report online. Next two days I called claims dept. and ask how is my case going!, claims department C/S said to that I was approve to reimbursement for all amount {$1400.00} just may take few days. On XX/XX/XXXX I called claims dept. again, so same again they tell me that the money will be deposit may couple days that it said in their system, C/S apologized again, oks again nothing, on XX/XX/XXXX I get in the mail a letter from the bank written I will get my money deposit. On XX/XX/XXXX I received actual police claim report and on XX/XX/XXXX, I faxed to claims, again I called claims, same I ask what is hold up, but this time C/S told me different story that would take up to 90 days. So there I am not getting my money deposited until now {$0000.00}, so I decide to take action and call you guys. Please help me assure Bank of America to reimburse me, {$1400.00} I am sure the bank has a coverage as all banks have I know that. Police report is XXXX XXXX XXXX I have spoken with detective XXXX # XXXX office 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 monetary relief
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had a student loan since XX/XX/XXXX. I have had all forebarnaces hat are possible and in XX/XX/XXXX went on a income based repayment plan that was supposed to help me. I called to ask about my student loan payments and come to find out my income based plan that was supposed to help me was more than my regular payment and for more months than it would originally be for. The payment they have me on is {$190.00} and is supposed to be for 39 more months then go to {$140.00} for 69 months for a total of 108 more months. The original level payment plan is {$150.00} and would pay off in 98 more months. That means will their helpful income based plan I would pay {$17000.00} but if i am on the regular level payment plan I would only pay {$14000.00} from today Navient has taken advantage of me and I would like to report it and join any class action lawsuit that is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
complaint # XXXX The company has not responded to the above complaint but continues to send bills, noting first/second notification on the bill as a bully tactic.

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 2022-09-07
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am a XXXX XXXX user. I believe that I was involved in their predatory lending scheme. I was told on many occasions, but I applied only a few times, that I was pre-approved and had great approval odd for cards according to my XXXX  score. After I applied to those same companies that displayed the card I had supposedly been approved for, I was denied. So, I was misled because they lied, to get me to apply when in fact, had not been approved for any of the companies. Inquiries are still on my credit report after I was told that it would not affect my credit. 

I only have the emails to approve the solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL

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