BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Navy Federal Credit Union ( NFCU ) has charged me interest on late fees in violation of the Fair Credit Billing Act and has refused to provide a breakdown of the late fees and interest so I may pay the late fees. The amount financed has been paid. Additionally, NFCU has reported the late fees & interest to the four credit bureaus as a charge-off. 

The Promissory Note, Security Agreement & Disclosure specify APR on Amount Financed and states the Late Payment Fee. There is no disclosure that interest will be assessed on late fees! 

This issue has been outstanding since 2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I first used Binance in XXXX or XXXX. The laws, rules, and regulations surrounding cryptocurrency have been constantly changing, and it is constantly small people like me that are feeling cheated out of these markets. 

I have little money, and I wonder if Binance is holding less valuable accounts longer in verification for when it may be useful to have buying cryptocurrency surge. 

I can verify clearly with Binance account history that I was keeping a 'bag ' of primarily ADA , BNB , and BTC  in XXXX. I spent a lot of time researching to determine which cryptocurrencies had profitable futures. After the midterm elections, I did not expect massive movement until the upcoming XXXX election. 

At this time Binance had a US website and made me re-register. I do not have any kind of impressive bank balance or credit. It took literally months to be reregistered. I tried to get my account set up on XX/XX/XXXX. Between XX/XX/XXXX I have over 20 emails between me and Binance trying to get my account verified, and to have a bank account attached, and to this day I still do not have a bank account attached. It is a standard XXXX XXXX XXXX  account and is on their auto list. I tried the automated method, the manual method, and have emailed Binance. 

I had literally a paltry {$1000.00} to invest on XX/XX/XXXX. XXXX at the time was XXXX cents/ coin. Now XXXX is XXXX dollars/coin, an almost XXXX increase. I have entirely missed that and attempted over 20 times to set my account up.

These companies are all supposedly regulated in the US now, how can a company justify taking private information, social security numbers, bank account numbers, balances, access, and then not even respond or set accounts up for months? As a consumer, am I expected to give this vital information to ten or twenty different online 'reputable ' brokerages and throw the dice and hope none of them abuse it?

You can not trust any of these companies that take this kind of information with no immediate result, and you can't trust the CFPB if they turn a blind eye to this kind of behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Since XXXX I received threats phone calls from Westlake Financial services located XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX saying that I was going to be sued. For a car Loan that was under XXXX XXXX x. 

When at the time I was going through a separation/Divorse. I ended up XXXX  with XXXX children at the time.I paid the Collection Company? Over the phone.The phone number that Westlake Financial Services had provided me for a third party Collection company, that represented them.I was told to call and make the payment.I was told by Westlake Financial services to make a one time XXXX XXXX payment and that the account would show Paid in full.And that I would receive a letter saying that the account was paid.With a XXXX Balnce NOt a charge OFF in my credit report. Westlake Financial Services Lied. They send me a letter from another company that says that they paid the charge off.After they took my money.WLF services stole my money {$2700.00} sold the truck and lied because I never received the " proper letter " that was agreed over the Verbal agreement over the phone.With there so called third party collection company? That every time since XXXX I been trying to get there information to sue them.West lake financials services never provids me with the knew contact info? .Keeps on saying that they will call me back and it never happens.Every time I complaint to Westlake Finacial Services I'm told by the Knew Supervisor 's that the information is going to be Fix and that a new letter is going to be send to me.And the wrong information is going to be Corrected. Westlake Financial Services keeps reviving the account in my personal credit report everytime that I complaint about this account with the updated dates of knew account.This is a very old XXXX? account that is not mine it was my ex 's XXXX XXXX. WHY don't they look for him instead of harrising me after the fact that I already stoled my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, 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:
Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a credit card member of First National Bank of Omaha ( FBNO ) since XXXX. I have been in excellent standing, doing minimum automatic payments and even doing additional payments. My credit limit was {$2000.00} which I was emailed today telling me as of XX/XX/XXXX my limit would be lowered to {$1700.00}. This changed my avail credit from {$380.00} to about {$83.00} - thus changing my debt ratio closer to the credit limit. This will naturally lower my credit score. 
My credit score is currently rather low. I had a couple other credit cards unwilling to lower my APR so I turned to XX/XX/XXXX in order to consolidate those cards and force a conversation with creditors when they previous were stubborn to negotiate lower aprs. To this date I have settled 4 credit cards and have one credit card remaining with XXXX XXXX XXXX to negotiate a settlement. FNBO was the ONLY credit card I kept out of the XX/XX/XXXXconsolidation program. 
After receiving todays email from FNBO regarding my account changes I called today XX/XX/XXXX at XXXX PST to ask for clarification and assistance. I was transferred to supervisor XXXX extension XXXX. He said negotiating to revert my balance back was out of his hands and a fact. When I asked to speak to someone else, he refused. So my understanding is this ... I have been unemployed since XX/XX/XXXX due to Covid19. Covid has affected the world health wise and economically. Even through unemployment, a pandemic and lack of income, I have making automatic payments, paying additionally, and been a diligent, dedicated customer since XXXX - yet FNBO will use predatory tactics to aggressively drive up debt and refuse to listen to their customers concerns, simultaneously instrumental in destroying good standing customers credit. Yet, are they asking for help from our US government or getting Covid relief? I find this behavior to be somewhat criminal. I find FNBO behavior to create a culture of economic disparity. This should not be allowed. If the idea is to force a settlement, then my options are they offer one or I in fact stop payments and force a dialogue with FNBO which would, unfortunately , drive my credit into further peril. How is this responsible behavior by FNBO?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Information belongs to someone else

Complaint:
Transunion negligence is impacting my credit and I received the worst customer service of all time trying to get help remove a hard inquiry thats not mine. The supervisor XXXX XXXX literally argued me on the phone and was very rude. The last rep lied to me and said fraud SEO didnt have a phone line and had to wait 7 business days for a call back which was a complete lie. They use tactics to ignore my problem and make me wait to get off the call!! This company employees are terrible and all need to be reviewed they do not know law or policy and do not follow the FCRA!! I simply need this removed because I never did business nor did I apply. The hard inquiry that needs to be removed is from XX/XX/XXXX and its XXXX XXXX!! Delete ASAP

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 2020-09-20
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2023-02-20
Company: Experian Information Solutions Inc.
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 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 2021-08-19
Company: EQUIFAX, INC.
State: CA
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I received an email from Bank of America ( BoA ) notifying me of a successful credit card application in my name ( despite fraud alerts on my CRA accounts ). I immediately contacted BoA and was bounced around between multiple departments with long hold times, but after around 3-4 hours on the phone, I was told the issue was resolved and that the hard pull on my credit report would be removed, the account would be closed, and I would receive a copy of the application in the mail. 

On XX/XX/2022, I received a letter from Bank of America with no additional contact information stating that " We've verified the inquiry placed on your file XX/XX/2022 '' and " This means we won't be adjusting our reporting like you requested and consider this dispute resolved. '' I again contacted BoA on XX/XX/XXXX and was transferred once to a recorded message, called back and escalated to a manager who said I would need to call the fraud department in the morning. I call the numbers he gave me ( XXXX and XXXX ). Both of those numbers were unsuccessful, but I was given another number of XXXX for the " correct '' fraud department now. After 40 minutes, this agent had investigated my record and said the CRA refused to remove it and I had to dispute the hard inquiry with them. XXXX states that hard inquiries must be disputed with the company making the inquiry, so this is not consistent. This agent gave me two more numbers to call, XXXX to dispute the rejection of the hard inquiry, and XXXX for Victim 's Assistance to try to get a copy of the application ( which apparently requires me to send copies of ID via mail ) and to see if they can help more. 

I am now approaching 6 hours on the phone and more than 10 hours of time spent trying to find contact information and strategies to dispute this rejection. The BoA agents have been unwilling to provide me an address for official correspondence so that I can send an official dispute letter as recommended by identifytheft.gov. 

I am astounded at how hard a major financial institution makes it to dispute and resolve a fraudulent inquiry. I contacted them nearly immediately after receiving the email to report the fraud, but by their letter, it appears they do not believe that claim and provide me with no means to continue the dispute.

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 2020-09-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
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:
Called them telling them ( 5th 3rd ) I cant make payments ( 3 payments behind ) because of unemployment  not being able to get to me back ( also filled for there 3 months forgiveness act when it came out ), on XX/XX/XXXX i made 1/3 payments ... because Im just starting to get unemployment  this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment  being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment  being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2021-12-02
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 Debt was paid XXXX to Portfolio Recovery Associates and will be considered paid in full for less than request that the credit beauras delete from report. I have everything in writing to verify. Now, it being reported as partial paid with a balance still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: NRA Group, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Been called multiple times a week claiming they are national Recovery agency number is XXXX have not sent me anything physical in the mail and have been calling since XX/XX/2018 my understanding is that they had 5 days to send out paperwork. I feel this is a scam and is affecting my vredit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
1. Car got repossessed in private property. Withing XXXX days of repossession, I was supposed to received a certified letter, with a reinstatement and option to buy back the vehicle, this was never received. 

2. At least 10 days prior to sale, I am to receive a notice of sale. Never received this notice. Making the company to break the law once again. 

3. Never got notice of deficiency post sale. 

4. Amount being reported it's unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XXXX i have repeatedly submitted disputes stating that my account was settled with XXXX and they keep reporting back that account has been verified.. which it has not my credit score has settled a substantial drop bcus of their not looking into the facts.. XXXX even requested for them to call them so they can verify i not only wasnt late that the account was settled.. my report is constantly showing two months late with a balance of XXXX which is not true.. i need your help.. this deliquency is being reported by transunion and XXXX and XXXX had reported such also which resulted in a lower score bcus they reported it the same way ... ive also repeatedly complained about having bankruptcy reporting on my credit report all items on credit reports is suppose to come from the original creditor and ive submitted letters from bankruptcy court that proves that they dont release info to anybody that the credit agencies get it off public agencies which is not how they r suppose to receive their info it must come from the orginal creditor.. they keep sending me letters back saying its been verified which is false even the public agencies only have access to last four digits of social security numbers theres no way they can count last four digits as verified.. ive also repeatedly disputed my legal as should be reported on my credit report along with addresses and yet all these other names keep popping up.. ive sent copies of my drivers license with my legal name and my legal address

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 2021-12-02
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$380.00} XXXX {$0.00} XXXX  XXXX {$2100.00} XXXX {$22000.00}

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