BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I overpaid the final installment by $ XXXX. All I want is the credit moved to my savings account. NFCU wanted a full bank statement from which the payment was made to close the loan. I sent them the statement and still XXXX  days later there has been no movement on this transfer. I have checks bouncing I.e mortgage and car payment. I have spoke to at least a dozen specialists and nothing has been done to help me. Just an overall bad customer experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: MI
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. 

Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX account # XXXX, Account name : XXXX XXXX account number : XXXX, Account name : XXXX XXXXXXXX account number : XXXX, account name : XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX  account number : XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I paid this account 7 years left and I still see this very negative report in my credit report

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 2023-05-16
Company: EQUIFAX, 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:
I have been disputing this since XX/XX/2023. This debt doesnt belong to me, it was an act of retaliation and HUD is currently handling. XXXX has been in compliance but Equifax and XXXX still havent removed this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the XXXX or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX I didnt ask or allow XXXXXXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a US citizen, living in XXXX for the last few years. I have a credit card account with Chase Manhattan bank since XXXX. I use it occasionally and pay it off by logging into my the online account. It helps maintain my credit score as I plan to move back to the US.

THE ISSUE : Three weeks ago ( mid XX/XX/XXXX ) I tried to log into my account on my laptop and I got a message saying that they do not recognize the device. It then said they would send a code to my phone number that I have on file for my account. I never received a code. Over the next week I tried again and had the same problem. In the past I have never been sent a code to log in, so I think this is a new security feature. My concern is that being locked out of my account means I cant pay it off, so interest charges will rise and it will ruin my credit. 

EFFORTS TO RESOLVE IT : I have made 3 unsuccessful attempts to get access to my account.

1 ). I called Chases online technical support number for those outside the US ( XXXX ) on XX/XX/XXXX. Customer service told me that because my number was an international number, the code was not going through. The system expects a US number. However, for customer service to verify who I was, they needed to send a code to my number on file, but again they could only send codes to US numbers. She said she could give me a code over the phone but still need to verify I was the account owner. For verification, I was then transferred to the to the credit card department. He said he could not verify me, and transferred me to the fraud department. With the fraud representative I answered the question on my mother maiden name, but before I had an opportunity to answer the next question, the phone line was cut off.

2 ). I called the same technical support number the following day ( XX/XX/XXXX ). The customer service representative put me on hold for 30 minutes before I could speak with a supervisor. He said I had two options, 1 ) we could call the branch where I opened the account and see if they could verify who I was and 2 ) I could set up a meeting with a chase representative online. He transferred me to the XXXX XXXX branch and the message said all operators were busy and call back at another time. Then I was cut off. 

3 ). I then went online and set up a meeting with a Chase banker for XXXX ( XXXX XXXX ) XX/XX/XXXX. I gave my email address and a phone number and was told that I would be meeting with XXXX XXXX. At XXXX I waited for the call, but never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Bread Financial Holdings, Inc.
State: NC
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 USC1681 Section 602 States I have the right to privacy.

15USC 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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I paid this account 7 years left and I still see this very negative report in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with National Credit Adjusters ( NCB ), I have disputed this debt on my credit report and have not had any results NCB is still showing on my credit report.i have not received any correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 Dovenmuehle received a mortgage payment in the form of a money order in the amount of {$500.00}. They applied the funds to the mortgage as a payment. See attached statement. The next day they reversed the payment out calling it a " Long Form Misapplication Reversal ''. See attached statement. We have called them and emailed them asking why and what has happened to the payment. Todate we have had zero response or anyone on the phone that can help us. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: NJ
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 am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
{$2100.00} XXXX XXXX, i paid this account on time and it should not be listed on my credit report as a paid collection account. it has been removed from XXXX  and XXXX, but remains on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

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 adverse item of information other than records of convictions of crimes which antedated 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 non-monetary relief
Consumer complaint received 2015-12-28
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX my mortgage company Nationstar sent me a letter stating I was behind in my mortgage by few payments. I had just completed a chapter XXXX bankruptcy in XXXX. My house as well as my trustee payments were under strict compliance. I called Nationstar to resolve this issue but no one I spoke to could give me the dates of the missed payments. I spoke to a Hud councilor who referred me to the CFPB. I submitted a complaint ( case # XXXX XXXX on XXXX. Nationstar researched the problem and found XXXX payments that should have been credited to my account from their bankruptcy department. When I logged on to my account they had credited me with XXXX payments but then had taken one back out. I have since contacted the Attorney General for the state of XXXX as well as the Attorney General of XXXX. Nationstar has replied that now my missing payments were from around XX/XX/XXXX. XX/XX/XXXX was involved in a motion for relief during my bankruptcy. My previous mortgage co. XXXX had changed my house pymt but had not included the escrow amount. When XXXX realized the mistake they filed a motion for relief. I was instructed by my attorney to hold my house payments until the outcome of the hearing. The outcome that was settled on was for me to remit a payment of XXXX and to make XXXX additional pymts of XXXX each month beginning on XXXX/XXXX/XXXX. All payments were sent to and deposited by nationstar as they had purchased my mortgage at this time. I am not behind in my mortgage payments. Nationstar continues to send letters that I am behind and I just simply want them research this and get this issue resolved. I hope this information will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XXXX2021 I sent a letter regarding inaccurate and unknown Items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within the 30 Days gives a reason to immediately remove those items from my credit report, it Has well been over 30 Days so they should be deleted or corrected promptly. I demand These account be Deleted and corrected immediately or I will file for litigation due to the stress Ive have been caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: NATIONSTAR MORTGAGE LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payment is collected by Nationstar Mortgage. And I am forced to pay additional funds each month into an escrow account for taxes and insurance in stead of being allowed to make my own payments. Last year I received an invoice for hurricane insurance ( also required by the lender ) directly. I paid it and submitted proof of payment to Nationstar. Nationstar proceeded to pay it as well, in spite of the prior proof of payment,. Subsequently Nationstar was reimbursed by the insurer, but has refused to reimburse me, claiming that they need it to keep my escrow account above the minimum required balance. However, as they do every year, Nationstar still increased my monthly escrow payment again for the next year. Their explanation for why they had to increase my monthly payment in spite of retaining the {$790.00} they were reimbursed by the insurance company has been totally inadequate. They simply manipulate the actual date of payments and/or escrow calculation such that the account briefly falls below the minimum balance allowed by law and then use that as an excuse to jack up the payments or in this case refuse to reimburse me for the payment I made. Finally I would like to make it very clear that Nationstar intentionally made the double payment when fully aware that they had proof in house that the payment had already been made.

Company response to consumer: Closed
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use a third party service named XXXX and it's already connected to my PNC business bank account. When trying to connect to the bank to refund a client back their money it stated that PNC would not allow XXXX to connect to my account. I can not handle my business like this. There has not been an issue in the past and if PNC no longer supports the app that I use I would rather change banks than change services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Albert Corporation
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
{$140.00} was taken from my actual bank account, leaving me negative. I do not use this prepaid card any longer and would like my money back.

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 2021-06-24
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I was seeking deferral of a payment to stabilize financially and on two separate pay dates ( XX/XX/XXXX and XX/XX/XXXX ) Minto Money withdrew funds from my account although new credit agreements were signed. Each time I called back to determine why I was told that they did not process the request they sent to me and that I physically e-signed while on the phone. 

I then asked for my monies to be refunded from the XXXX which was also confirmed over the phone. Six business days have passed and I did not receive the funds from the XXXX. Minto Money has now applied a {$40.00} late fee and yet again claims that there are notes on file and my request was simply not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: AMERICAN EXPRESS COMPANY
State: TX
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: Problem with personal statement of dispute

Complaint:
XXXX is reporting several inquiries by American Express to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. XXXX refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
XXXX wants me to reach out to American Express which I did and they both XXXX and American Express Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX made over XXXX hard inquries to my credit report within a XXXX  day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
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 filed a prior complaint with the CFPB on this issue. I was unable to cancel a credit monitoring service offered by Chase Bank. Chase did respond to my previous complaint and i received an email saying the credit monitoring service was canceled. 
I have received 3 credit monitoring alerts after it was supposedly canceled. 
So it still hasnt been canceled. 

I just want Chase to stop monitoring me!

Company response to consumer: Closed with non-monetary relief