BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: Credit Karma, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a victim of identity theft. I placed a fraud alert and credit freeze with the 3 bureaus. The applications are numerous and keep coming in. Although they are being declined due to the credit freeze, one of the applications for a pre-qualified personal loan through a bank was through Credit Karma. I do NOT have an account set up with Credit Karma, never have had one. I tried to get information from Credit Karma to cancel any account they have in my name because it is fraudulent, but they have no phone number, and have not responded to my email requests through their " Contact Us '' support email address. I put " URGENT FRAUD/ID THEFT '' in the subject line, and after 5 days, no response. If the thief has a Credit Karma account, they can get copies of my credit reports and have even more identifying information! I have contacted FTC, local police, credit bureaus, and the Postal Inspector General, but if someone has this much access to my credit file through Credit Karma, I want to know how they set up the account, and to get it cancelled. How do I get a response from Credit Karma?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Yamaha Motor Finance Corporation USA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Recently Yamaha Financial XXXX  bought customers boat loans serviced by XXXX XXXX. The transition couldn't be handled worse. First, letters with wrong account numbers were sent. Online login was not working. The customer helpline had a wait time of between 1-2 hours eventually the number was disconnected. New statements were sent stating double monthly payments ( the last payment made to XXXX XXXX  is not included ), increased interest and a threat of late fees. Until this post the online account is still not working, online payment can not be made even though 2 hours were wasted on the phone to correct it with a service representative. The only payment options available to pay the wrong and excessive charges are by mail or the phone with the long wait time. 

Monthly payment increased from {$450.00} to {$510.00}. XXXX payment of {$450.00} made to XXXX XXXX  before a notice was received is disregarded. The statement indicates a 2.99 % interest however the interest charged is 5.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXXXXXX 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 2023-03-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Most recent Letter was sent to Shell Point on XX/XX/XXXX Certified XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt/Incorrect Payment Amounts. 

Dear Sir/Madam, I am writing to you in response to a mortgage statement received on XX/XX/XXXX. 
Again, I request that your company provide me with a detailed explanation and documentation of the debt, including a clear breakdown of all charges along with proof of those charges. I also request that your agency cease all collection efforts until this dispute has been resolved. 

My escrow account is wrong and causing extreme hardship as you are collecting double my monthly taxes for no reason and you will not reconcile the escrow account this has been happening since XXXX of XXXX. 

I have been contacting you via telephone calls and have written several letters along with several emails providing proof via documentation starting in XXXX of XXXX. I will provide those certified letters on request. 

Most recently I called on XX/XX/XXXX, and was informed it would be reconciled and expected to hear from you in XXXXen days again no response sent another letter concerning this on XX/XX/XXXX. 

Per your own Mortgage statement, any payments not made in full would not be applied but held in another account that damages credit and has done so. 

I simply cant make a payment over XXXX XXXX dollars higher than required it is damaging and abusive behavior. 

You have locked me out of my mortgage account for months now and I have called several times attempting to get access with no luck, it seems to work for a day then someone locks me out I suspect it may be my complaint to the CFPB that causes you to behave like this. 

I can not see the escrow balance communicate with you or provide documents via the portal. 
This has caused significant hardship and frustration. 

Please note that under the Fair Debt Collection Practices Act, it is illegal for debt collectors to continue collection activities if a dispute has been raised. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX : CFPB i.e. 1024.35

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I initiated a wire transfer of {$25000.00} to my wife. After 5 business days of not receiving the money, on XX/XX/XXXX I called Chase customer service multiple times. No one on customer service was able to tell me why the money was not received, only claiming that the transaction had been completed that I should follow up with the beneficiary bank. I ended up requesting for a recall as suggested by one of the representatives. I also called my Chase private client banker, who started an investigation. 

My wife and I also called XXXX XXXX XXXX multiple times, whose representatives claimed that they had never seen the wire transfer, and that we should call Chase instead. 

On Monday XX/XX/XXXX, I visited a Chase branch, no banker was able to tell me why the money was not received, but an investigation was going on. 

On Tuesday XX/XX/XXXX, my private client banker called me, explaining that XXXX XXXX XXXXXXXX had asked for additional details ( my full name and date of birth ) when they first received the money, but Chase had never responded to them. Later the wire department also said the same thing in the secure message system. However, the wire department claimed that XXXX XXXX XXXXXXXX had been waiting for my response, when I had received zero communication from Chase about the inquiry for additional details. 

As of today, XX/XX/XXXX Friday, my {$25000.00} is still not back in my account, and no apology has been made by Chase bank, not to mention any compensation for my time and effort lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also 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 2023-09-25
Company: DISCOVER BANK
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:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to DISCOVER BANK XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: RIA FINANCIAL
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The XXXX manager of XXXX maine by the name of XXXX has flagged me for money laundering, I was completely honest about my intentions regarding the XXXX to XXXX money transaction. My vehicle has broken down & it is winter. I need to have transportation to get to work & was borrowing money from my brother in Indiana to fix my vehicle & was denied service. I believe the employee 's & manager were hungry as everyone I talked with complained openly about going to lunch & seemed to judging me based on my appearance. The date of the incident XXXX 2022 & the time of the incident was between XXXX & XXXX. Thank you sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied and was in the process of short selling my home all documents and necessary items were sent and received by the loan servicing company XXXX XXXX XXXX XXXX the last item needed was the appraisal which was order by XXXX XXXX, I was contacted by their appraisal company and the appointment was set for them to come and conduct the the appraisal of my of home which was two weeks ago from the date of this complaint i was contacted shell point via email on XX/XX/XXXX XXXX asking if the appraisal had been completed on the property a reply was sent back on XX/XX/2022 that appraisal had already came out over 10 day ago, but on Thursday XX/XX/2022 i came home only to find a sale notice on my door, while in the middle of my short sale Loss mitigation process waiting on XXXX XXXX appraiser to finish and complete the appraisal, XXXX XXXX flat out lied and said the trustee filed the sale notice but after speaking to peak foreclosure services i was told that XXXX XXXX told them to file the notice even though they knew we were waiting on the appraisal to be completed. when all XXXX XXXX had to do was pick up the phone and call their appraiser but no they rather just foreclose on my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX  XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, 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 2023-10-12
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:
This is the several times I've complained about some erroneous accounts in my report. You must correct and update these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be corrected. 

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 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 reporting act " XXXXXXXX XXXX  has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, 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:
Dear CFPB Agent, Please consider my situation. I was previously working with XXXX XXXX XXXX to remove one ( 1 ) negative item from my personal credit reports from all three reporting agencies. The only negative item is a XXXX business credit card. This item is a business account ( that should not be on my personal account anyways ). XXXX XXXX XXXX reports that this XXXX account was removed from my Equifax account around XX/XX/XXXX. XXXX XXXX XXXX provided multiple credit reports confirming Equifax removed this item. 
However, on XX/XX/XXXX, this negative item was put back on my personal EQUIFAX credit report. There was no late payments or issues with the XXXX account that would cause EQUIFAX to put this back on my credit report. This violates laws, once an item is removed due to inaccuracy the item can not be placed back on my report. 
This is devastating for me as I have never had this occur, and we are trying to buy a home. 
Please see attached documents. Please let me know updates, concerns or questions. I appreciate your time in assisting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried linking my PNC account to XXXX and XXXX XXXX to send money and make deposits, but I keep getting an error message saying PNC has made changes that make it impossible to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I went to the Navy Federal ATM located at XXXXXXXX XXXX  XXXX XXXX, XXXX to deposited an amount of {$980.00}. After accepting the cash, the ATM tried to open and close about 3-4 times, each time trying to spit a {$20.00} dollar bill which comes out half way and goes back into the ATM. I stood there watching what was going on with the ATM until it closed finally. During all this clicking sound an amount of {$980.00} was shown on the screen for a brief second as having deposited. After standing idle and watching the abnormal functioning of the ATM close to ~30-45 seconds, the ATM closed finally and a receipt came out showing a XXXX Amount Deposited ( See receipt attached ). Without moving away from the ATM machine, I called NAVY federal office to report the incident and I was assured of an investigation within 10 days. 

On Tuesday XX/XX/XXXX, I called NAVY federal to check on the status of my claim only to be told that the said claim was denied ( See Denial letter attached ). I called to speak with two different managers but each of them did not provide any help but reechoed the decision of their investigation. I was told to expect a contact from a Branch manager that evening on XX/XX/XXXX but I'm yet to be contacted. 

Please I would like your office to assist in resolving this matter as there are multiple ways to substantiate the authenticity of my claim and not just by the physical cash in their ATM on that day. 

Thanks for your cooperation. 

XXXX XXXX XXXX XXXX

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I was informed by XXXX that my information has been put on the dark web by a data breach from experian I have tried to contact them and they tell me I am not me

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