BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to do a XXXX transfer from one account to the other. Navy Federal put my money on hold. Didnt call to say anything to us. When I called had me on hold 3 consecutive times for 15 minutes, l spoke to 2 different attendants I will not disclose there names here, gave a short explanation and said we have to fill a form out then submit it to get my money. I tried to view my account and I was locked out of it. So at this point I cant see my account information. Then was told by a second attendant that I have to wait 2/3 business days for my money. Which I verified and asked for the hold to be removed. At this point I am XXXX XXXX. I told her no I am not waiting 3 days for my money I need it to be released now. This unprofessional inhuman being hangs up the phone. It is distasteful and upsetting to see what you have to go through to use your own money as you please. I will not be moving forward with navy federal because if I have to go through this type of behavior when I have to spend my money its unfair, secondly I can understand protocol to follow with transactions sometimes that may be to verify for security reasons but not when I verified I still have to wait 3 business days are you kidding me, for my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My finances were severely effected by the COVID- 19 pandemic. I was furloughed from my job and went on unemployment. However, due to a large amount of fraudulent cases hitting the unemployment system, my payments were placed on hold for months until the Department of Unemployment could get to my case and verify my identity. This left me with no type of income for 16 weeks. 

I applied and did receive a COVID forbearance. However, the company only offered a 30 day forbearance. After 30 days, I was still unable to make a payment because I still did not have any income. 

XXXX XXXX reported my account 60 days late to the credit bureau. This dropped my score 89 points. On XX/XX/XXXX, I made a payment of {$160.00} to bring my account current. I then reached out to the company to see if the late payment could be removed from my credit as a one-time courtesy since I've never been late on a payment and the reasons that I was late was beyond my control. I was told that I would have to write a letter to the dispute department which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I called to follow-up on the letter. I was never given an option to speak with anyone directly in the dispute department. I was then told that I would have to dispute it directly with the credit bureaus. 

On XX/XX/XXXX I opened a dispute with XXXX. XXXX XXXX replied back to the dispute stating that everything is correct. My problem is that I'm not disputing whether its right or not but I am unable to effectively communicate that via the online dispute portal and I can not directly get in contact with anyone in XXXX XXXX 's dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Flagstar Bank, N.A.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was sold to Flagstar in XX/XX/XXXX. Prior to that, I was working on a loan modification/loss mitigation with my previous lender. They sold it to Flagstar in XXXX, and my house was put up for auction XX/XX/XXXX. I had to come up with XXXX to pay within 10 days or I was going to lose my house. I came up with that money with borrowing it from my friends parents. In XX/XX/XXXX, Flagstar rejected our payment from our bill pay with our bank. We had no idea until a month later when we received our statement. They couldn't tell us why they rejected it. This caused us to be 30 days behind. Since we only got paid on the 12th and the 27th of the month, our payment was now consistently 28 days late. Even though we weren't technically 30 days late, they sent an inspector out to inspect our home and charged us for it. They have done this 3 times! We weren't even 30 days late, and they're preparing our home for foreclosure! It has taken me 3 months to get someone to respond to the charges and tell me what they were for. At first they said it was negative escrow. Then it was they didn't know. They transferred me multiple times to the same dept that " couldn't help me '' until eventually I gave up. I've requested a detailed billing of the foreclosure charges. They have yet to supply me. If I don't pay right on the XXXX of the month, they call me excessively and leave messages. When i call to find out the status of my Loss Mitigation, no one is ever available to help me in that dept. Instead, they harass me about when I'm going to pay my bill. 
My Loss Mitigation paperwork has been on file with them for about 5-6 months, and I have yet to hear anything about it. I call, and they always need something else that was never requested before. I really feel like they are playing this out till my home forecloses. They know that I am recently divorced, and my income is limited.

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 2021-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This relates to JPMorgan 's Chase consumer bank. 

We have accounts at a number of banks and we make sure we cover items if we cover overdrafts. 

We would use XXXX to immediately get funds from one bank to the other.

Recently, we have been getting Chase overdraft charges for pending vender charges ( as reflected by Chase online ) that had been covered by XXXX transfers from our XXXX XXXX XXXX account. 

We moved money between these two accounts frequently so these it was a known transaction and never subject to a reversal. 

So, when I made the XXXX XXXX XXXX side of the XXXX transfer, within minutes the transaction was reflected as a reduction in funds and as completed ( that is not pending ). 

On the Chase side, the transfer was shown as clearing the amount of the overdraft ( that is my Chase checking account balance was positive ). Both the vendor charge that created the overdraft and the XXXX transfer was listed as pending. 

After midnight the vendors charges were changed from pending to posted ( the to the prior day ) while the XXXX charge remained pending. The XXXX charge was then posted the next day by Chase while XXXX  XXXX XXXX had posted the transfer the day that it was sent ( the prior day ). Since the XXXX transfer was not posted on the same day sent to Chase, this allowed Chase to charge {$100.00} in fees. 

This happened on back to back days and caused a domino effect with some automatic debits ( like a XXXX subscription ) being assessed a {$34.00} charge. 

The issue is that Chase both backdates posting of vender while future dates posting of XXXX transfers. 

In three days over the last two weeks, this methodology was used to take over {$250.00} in fees from my account, when at all times, funds were covered before the required time the evening before. 

I have no recourse to dispute and have the charges removed and they are paid for by my Social Security deposit despite my objections I think this is outrageous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: CURO Intermediate Holdings
State: TN
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:
There is a online payday loan that keeps coming up on my credit report from speedy cash it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through XXXX XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen which resulted in alleged debt ( s ) that is being reported falsely on my credit report. Furthermore, a third party entity illegally purchased my information and is doing unfair debt collection and reporting practices which has negatively effected my credit, reputation, and financial opportunity to further my quality of life. This is aggravated identity theft. I've filed an identity theft complaint with Experian, and have filed a police report for identity theft as well. There are 10 or 11 accounts reflecting this fraudulent activity and all of them must be REMOVED.

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 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive called in the beginning to try and report fraud. They told me what do you want me to do with this. As a first time fraud reporter I wouldnt know how to even answer them. I tried to tell them that it is ridiculous for them to let these scammers reversal claim 2 of my car loan payment as well as my dmv. Then they told me to go in the bank and have them setup a payment plan which is completely bogus because how are they going to make me pay my own money back to them? If this was the case I will NOT bank or trust them. Thankfully some nice bank lady from the fraud department helped me reduce the charges, BUT what happens to the & XXXX? They need to do their due diligence and find the money because they told me that it was sent from the same device so they can see who deposit fraudulent check? But dont want to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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 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.

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 2021-03-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The issue at hand has to do with an account established for me by the XXXX of Pennsylvania for the purpose of depositing my Pandemic Unemployment Benefits. On XX/XX/XXXX and XXXX of last year, my account was hacked and either {$2000.00} or {$4000.00} was stolen. I am uncertain of the amount because the monthly statements are confusing at best. A copy of my XXXX statement is attached. To their credit, the bank ( U.S. Bank ) discovered the breach and immediately froze the account, terminated my card and sent me a new one. In spite of that, it took weeks, and hours on the phone, to restore access to the account, but that's not the root of the problem. I recieved a resolution letter from the bank dated XX/XX/2020, a copy of which is also attached. It provides no information regarding the amount stolen, says that they concluded that they did nothing in error so no funds would be credited to the account. It also clearly states in the third paragraph that they will provide the documents used in their determination if I request them. Of course I want those documents so we can document the loss and the amount of the loss on our tax return in an effort to not pay income tax on money lost due to theft. I have made repeated calls to U.S. Bank 's fraud department and have been told on three occasions that they would send the documents, but none have been forthcoming. Each time, the person I spoke to said that they had no idea what I was talking about, but when I convinced them to read the letter, they promise to send the documents. At this point, I must confess, their unwillingness to send this documentation has made me suspicious. I'm wondering if any investigation actually took place or if they just decided that they would rather have me take the loss than them. It's also odd that if I withdraw more than {$1000.00} in a 24 hour period I am to pay a fee, but no fee was charged for these {$2000.00} withdrawals. 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 monetary relief
Consumer complaint received 2021-06-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been locked out of my Barclays bank online savings account and have seen activities on the account that made no sense in which they tried to keep my funds and reverse my funds. I belive due to themselves or one of there representative s working in collaboration with 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 explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 following hard inquiries on my credit report : 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 XXXXXXXX XXXX XXXX I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately.

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion Credit Reporting Bureau. 

I am unable to access my TransUnion Service account. After entering userid and password, they ask for a code that is apparently sent to my XXXX email address. That code never gets sent. I have tried several times over a period of few months. I do not get my annual credit report. I can not freeze or unfreeze my credit report. 

I called the number the TransUnion chat representative provided and was able to get hold of a live person. This individual helped me lift the freeze on my credit report temporarily and confirm my account email address. But, kept reiterating that the authentication will come to my email in 10 or 20 minutes. In less than 10 minutes, the website logs me out. 

This is a serious issue and they should fix their authentication issue. If their IT system is not functioning properly, it could lead to the same debacle that XXXX had a few years ago.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 a victim of identity theft. A charge off resulting from identity theft was reported on my credit report. I completed and sent an FTC report and proof of my identity including a copy of Section 605 B of the Fair Credit Reporting Act to XXXX, XXXX, and Transunion. XXXX and XXXX have properly removed and blocked the incorrect information per Section 605 B of the FCRA, while Transunion has declined to do so.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: NC
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:
A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to XXXX and Experian, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.

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