BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
I have been on student loans that were not mind for over 15 years. This company changed information and consolidated loans without my knowledge and changed incorrect information to suit this company. It's sick! 

This company has agreed to removed my name off these loans that are not mine, and failed to follow through. 

These loans have ruined my credit not allowing me to use my credit. They have forged legal contract documentation and is not held accountable. 

I have the right to have my cased looked at again. The attorney generals office sent a letter on my behalf, XXXX  XXXX office has sent a letter on my behalf and navient does nothing. I have a signed divorce with a with a judge signature to remove me and navient does nothing. 

Navient policy states a co signed can be removed after two years of on time payments. Two years are completed and they still refuse to remove me. 

I don't understand the need to keep me on loans I did not agree to be on, how is this not illegal how do they get away with it! How can they ruin a single mom of XXXX kids ability to provide for them. HOW IS THIS LEGAL! 

And for the CFPB how do you allow a simple answer from a company determine creditably??? Of course this company doesn't want to take responsibility I thought that is what the CFPB is for to help the consumer!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX XXXX XXXX  attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did Not authroize these inquires and need them removed I tried to contact the Bureaus and they did not remove them and it is a violation according to 15 U.S. Code 1681 c-2 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 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 non-monetary relief
Consumer complaint received 2019-09-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
While attempting to purchase our home it was identified the home is in a flood zone according to FEMA maps. The seller paid a surveyor to verify it was above the flood level, which it was, and apply for a Letter of Map Amendment ( LOMA ), which was approved. We received the LOMA and bought the house through XXXX XXXX in XX/XX/2019. Shortly thereafter it was then taken over by Lakeview Loan Servicing. They notified us in XXXX that the was still in a Flood zone we had 45 days to purchase Flood insurance. We sent the LOMA along with XXXX XXXX 's letter of exemption but they purchased the insurance anyway. I have reached out several times to have it removed but they state they can't and never provide straight answers. They will not return phone calls or emails. I have several requests tickets with no replies over the past couple of months. The now state my new monthly bill will be up {$1900.00} from the original {$1500.00}. I really need help as the bank is of no help at all.

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 2021-12-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with chime since 2019. I have a substantial amount in my savings, spending and credit accounts. I had a legal suit awarded to me in XXXX and chime had advised me how to deposit the amounts in my account. XX/XX/XXXX I received an email that all of my accounts were closed due to fraud. I have not been able to get into my account ever since. Not only are my accounts frozen I cant get into my app to see previous transactions. On a daily basis I have tried to call and email both chime and XXXX but have not had any luck. My life savings is shut off. This is XXXX time as well as end of the year. I need my money! If I had known chime and XXXX would treat their clients in this matter I would never had opened an account with them. I have over {$18000.00} that I am not able to get to as well as scared to death I wont ever get it back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-07-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2023-09-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Problem with customer service

Complaint:
I have gave Wells Fargo all my Documents that they needed numerous times and spent so much money on faxes at XXXX. I was willing to make some arrangements so I can hold on to my home until my younger XXXX Graduates XXXX XXXX. She is a junior now. Then I would down size and look for something smaller. As, of now, I have been going through some medical problems from the accident I had with my bike a few years ago. I am trying to work from home. I have Interviews this week. I just want to save my home for a little longer so my kids are not traumatized anymore from all the family we have lost. They went through enough. Losing our family home would put a damper on us All. Please find it in your heart to help us with some assistance. I'm willing to work with you guys if you can help my family and myself stay here a little longer. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Since XX/XX/2022 we've have unauthorized debits to our Citi business account. It started slowly with very small amounts until it became very noticeable around the month of XXXX I reported the fraudulent transactions to our bank on XX/XX/2022. Our bank referred us to the customer service phone number which is not an American company. The representatives had a lot of difficulty communicating with us. We asked Citibank if we could work with someone in the US to get help with our account they said no it all had to be done with a non US company. As of now we have gone back and forth with their customer service company at least a couple times per month and we have gone into the local bank branch to get help. I have all documentation to support our efforts. They have told us to deal with the actual vendors which we have tried to do and they have also denied our claims even though they have all the supporting information that clearly indicates we did not authorize these transactions. The vendors tell us it's the bank 's responsibility. They even gave us the names of the people stealing from our account. The bank has also credited and debited our account so many times I have no clue where we stand. I have emailed our branch manager many times and stopped in I have even been asking our bank manager for a reply since XXXX and I just recently got a response from him. He reluctantly agreed to a meeting with us, but did email a message stating that he has spent too much time on this matter. The bank has made it very clear that they are not willing to help us and they have made our account such a mess by the debits and credits that I have no clue currently what they owe us. I am sure that it is several thousands of dollars. Additionally, if you see the correspondence they have sent us in the mail you would have no confidence in their ability to run a business. I have that correspondence as well. If someone can please advise us how to get this resolved. Thank you in advance for your help with 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 2023-09-19
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received several emails from Chime saying that I had opened an account and a new debit card was on it's way. Problem is, I have never heard of Chime before and I did not open this account. Upon further research it appears as though Chime may be fraudulently opening these accounts. See the XXXX article below. This is the exact same thing that happened to me. I put a fraud alert on account with the credit bureaus and contacted chime and had them close my account, only after they asked for some personal identifiable information first. I did not provide my SSN but confirmed my home address, name, and birthdate. 

Please look into Chime. 

XXXX XXXX XXXX? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I JUST NEWLY DISCOVERED THAT SOMEBODY HAD ACTUALLY INTERCEPTED MY APPROVED XXXX CLAIM FUNDS AND AT THE TIME I WAS HOMELESS AND GOING IN BETWEEN SHELTERS AND AND IN ANYWHERE I COULD STAY REALLY AND MY MAIL HAD BEEN INTERCEPTED WITH THE CHANGE OF ADDRESS TO SOME UNBEKNOWNST PLACE THAT I'VE NEVER EVEN DEALT WITH I DON'T UNDERSTAND WHY NOW I'VE REPORTED MY XXXX AS FRAUD AND I'VE TAKEN ALL THE NECESSARY STEPS BEING AS ALL I'VE PLEASE REPORTS I'VE GOT A TRAILER OF DOCUMENTS SHOWING THAT I'VE LOST ACCESS TO MY EMAIL AT A PERIOD OF TIME BECAUSE I WAS I GUESS HACKED IF YOU COULD SAY I DON'T KNOW WHAT THEY DID TO GET MY EMAIL AND THEY STOLE MY PURSE EVERYTHING IN MY WENT MISSING WHEN I WAS HOMELESS AND NOW I'M NOT ABLE TO RETRIEVE MY FUNDS I KNOW THAT THEY ARE SUPPOSED TO GIVE ME MY FUNDS BACK I HAVEN'T EVEN BEEN ABLE TO USE ANY OF MY XXXX MONEY THAT RIGHTFULLY AND ENTITLED TO BEING AS THOUGH I DID APPLY FOR IT I DON'T UNDERSTAND HOW THAT I HAVEN'T GOT MY CONDITIONAL CREDIT YET AND NO ONE SAID ANYTHING TO ME AS IF IT'S JUST NOTHING THAT MY FRIENDS WERE GONE AND I WENT HOMELESS AND LOST EVERYTHING INCLUDING CUSTODY OF MY CHILD AND EVERYTHING AT THE TIME OF THIS HAPPENED

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 2023-09-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have never received any written communication from Nelnet as requested and was told Id receive. Ive tried calling, but never can get through it the call gets dropped. There website is always down and constantly has incorrect/different information. I do not feel comfortable with adding my bank account information on their site due to all the issues Ive experienced and read from others. 

Without any written communications I have no way of trusting what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-02
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following item must be updated : XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-10-04
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a victim of identity fraud, and my account was hacked by some weird person where they deposited a fraudulent check/deposit into my account and I was told that it would be taken care of by the bank themselves. Next thing I know, my account was being closed but I was on the hook for be hacked by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX BANK XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account was falsely accused of suspicious activity and has currently been frozen for 16 days and counting ( Start date XX/XX/23 ). Having called the bank on. XX/XX/23 after realizing the account was not able to be used for anything. I was told the account in question was under investigation and would have a resolution within XXXX days. While the funds in the account are secondary to everything, since this false accusation was started I have been unable to send/receive anything in relation to the account. Today ( XX/XX/23 ), I began the process of calling the bank for a resolution and was told the account was still in question/investigation and now it would take up to 90 days to receive results. As I stated I would like to just close the account entirely, I was told that can not happen until the investigation was through.

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 2023-03-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NJ
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief