BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
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:
Please remove the accounts on my credit report because those are not mine.

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 2017-07-11
Company: EQUIFAX, INC.
State: NV
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:
I submitted, an affidavit from the FTC and a valid Police Report for identity theft on an XXXX XXXX account that is NOT mine the account number showing is XXXX. They are refusing to follow the law as XXXX and XXXX have already done. I have called in and I have faxed in verifiable documentation and this account is still on my credit report! Please help me I 'm trying to get a house and this is holding me back! I need your help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was sent via XXXX a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX  their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XX/XX/XXXXthe day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello I have a very detailed attachment below, but I'll summarize it here. Basically, I applied for a credit limit increase and got denied by my credit card company, and that's violating my right by law. 
Navy Federal credit union denied my credit limit increase, I reached out to them multiple times and the representative stated it's their decision and etc, but did not acknowledge the part of being violating my consumer rights, so here we are. 
I attached their denial letter to this complaint. 
I also attached the letter I sent them as well below ; and sent it to the address below ; NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX, XXXX, VA XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX On XX/XX/2021 for a credit card application/increase, I applied for a Credit limit increase on my current Cash Reward Credit card with Navy Federal .

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002 Since the letter, Navy Federal sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX XXXXWithout prejudice, all-natural inalienable rights reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, 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:
In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX XXXX XXXX were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I STRONGLY BELIEVE THAT SOMETHING COULD BE DONE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} XXXX XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A capital one 360 checking account was established on XX/XX/XXXX. On XX/XX/XXXXI attempted to link this account with XXXX for fund transfer for investing. I was unable to complete the process getting an error message " Capital one is blocking you from enabling external applications ''. I called capital one and talked with a supervisor and was told the were blocking me because the account was new. This may go away after 15 or 30 days. But he also added it may not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I had {$24000.00} in my personal checking account ( XXXX ) and have been trying to close and liquidate the account for weeks. I need to fire Chase and move on. Chase claims there was an issue with a LLC account that I am signatory on, but has shown no proof of this. This LLC is actually wholly owned by another LLC. Chase took it upon themselves to pierce two LLC 's and instantaneously steal my personal family assets. These assets, are the income of my wife and myself. Chase, via XXXX and XXXX have given me tidbits of information, just stating this LLC received a fraudulent wire, and offered no proof of wrong doing. I am simply just asking to learn all the facts of their claim. Chase told me to call a XXXX, a bank that I am not a client of. XXXX will not speak with a non-client. Today is the 22nd day I am without my money, and XXXX will not return my calls. I was supposed to be on vacation with my family in XXXX and this trip is destroyed, as I can not meet them there, while we all have time off.
While Chase did take my money, I notice they charged me fees on my account and I assume my Chase Credit Card is assessing more fees, as I can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX I received a messaged from Coinbase Dept. that someone tried to access my account to a diff. loc. I called them to lock my acct. I spoke to XXXX and told her what's happening and I was told it was already locked. And she asked me the account balance in my account and I told her {$13000.00} and she verified that amount. She said I needed to wait 24-48 hours to activate my account. So XXXX XXXX I called Coinbase again and talked to XXXX and I told him what happened and I need to retrieve my account so she assisted me to do it. He asked me to download my ID I was hesitant to do it but I can't get thru the process without downloading and taking a picture of myself on the spot thru my phone. After all those things I was told to give it a 48 hrs. before assessing my account. XXXX XXXX First time I accessed my account after what happened and I was surprised the balanced was only {$6000.00} instead of XXXX. Called my Coinbase support called XXXX but was cut off in the mid of conversations. Called again and talked to XXXX and he said he'll transfer me to someone who can see my account. I was transferred to XXXX XXXX and I told him the whole story and he told me he will transfer it to Safety Dept so they will escalate the process and rest assured that they are going to work with my case and will be refunding. But up to now they don't give me an update I e-mailed him since he told me to communicate with them thru mail. I called them but they all just give me a runaround. I filed a police report. I already sent them a certified mail but until now I don't receive any response. I can't withdraw the remaining balance since they said before they restricted any movement on the account. I want my remaining balance back because I don't trust this company anymore. I have all the supporting papers if you need me to upload it. Please I need your assistance. 

Thank You so much in advanced, XXXX XXXX Coinbase XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: DE
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 block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
See Letter, and I would also like for CFPB to assist in communicating to all relevant departments, Customer Service, Fraud, and Bank Card Services.

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 2017-07-11
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds.

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 2022-08-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I feel taken advantage of since my disputes are being ignored. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On   XX/XX/XXXX     I went to  XXXX  and attempted to view my free credit reports. I was only able to view my   XXXX   report.  <P/> Experian gave me an unintelligible error.  <P/>  XXXX  said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for 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 non-monetary relief
Consumer complaint received 2017-12-29
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Customer Care, I would like to inform that, my credit has been repeatedly hampered by the company. I have no knowledge of this account and it is being put to negatively impact my score. 

Please Kindly help remove this account from my XXXX Credit File. This does not exist in any other credit bureaus. 

SIMONS AGENCY INC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter to explain a series of unfortunate events that have caused me to turn for you for help. From my understanding, lenders or servicers are supposed to help homeowners stay in their home and avoid foreclosure, but unfortunately that has not been my story. My current servicer is Wells Fargo and I am under foreclosure with a current sale date schedule for XX/XX/XXXX. I have been behind for a few months now and the reason I fell behind in the first place were due to circumstances beyond my control. Back in XXXX, my XXXX fell very XXXX. It came to the point where she was hospitalized and the medical bills were more than {$20000.00}. This set me back badly. However, now I am in a better standing position. My wifes health has improved and I have a very good earning job. I have submitted a new Mortgage Assistance Package to my lender with time in advance from the current sale date, but Wells Fargo has not given me a fair chance to be reviewed for a Loan Modification, even though Ive stayed within the investors guidelines. I even escalated the matter to the XXXX office at Wells Fargo and I have been speaking to XXXX XXXX. She advised me they would review my file and postpone the current sale date, however nothing has been done. I feel all they did was stall. Im at an 8 % interest rate and I make enough income to cover my monthly mortgage payment. Not only that but I submitted a complete mortgage assistance package to Wells Fargo with time to  spare ; I am within 7 days to be reviewed according to investors guidelines and I feel I have been discriminated against because of my domestic partner. Please help me find a solution so I can stay in my home and get back to current.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, 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:
UNAUTHORIZED CREDIT INQUIRIES ARE LISTED ON MY CONSUMER REPORTS THAT I NEVER AUTHORIZED.

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 2021-09-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Called today to make claim for lost item and no one was there to take my call - referred me to internet after XXXX XXXX and switching me 3 times and then to wrong department. 

Purchased sunglasses on XX/XX/ and lost them on XX/XX/. Claim # XXXX was generated at AMEX but it wouldn't let me finish the claim. So now I am out {$140.00} which should have been covered under their loss protection plan. Yet no one to speak with and left out in the cold with this online claim program. 

I pay A LOT of $ $ $ $ for this AMEX, ask for very little and get even less in return. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I went on to my pennymac acc to make my payment and noticed that my payment for XX/XX/XXXX was {$500.00} more than the monthly payment I have made all year I called pennymac and asked them why and they told me that they had to pay more on my escrow and that they are going to charge me {$500.00} more for the rest of the year I CAN NOT AFFORD MY PAYMENT FOR XX/XX/XXXX AND WOULD NOT HAVE GOTTEN THE HOUSE IF I KNEW THAT MY PAYMENT WAS GOING TO JUMP {$500.00} THE NEXT YR THIS IS NOT MY PROBLEM AND IT NEEDS TO BE FIXED NOW!!! 
SOMONE SOME WHERE MESSED UP AND DID NOT TELL ME I WORRIED THAT IM GOING TO LOSE MY HOUSE THERE HAS TO BE SOME WAY THIS CAN BE FIXED!! 

AND THEY DID NOT SEND ME ANY NOTIFICATION THAT THIS WAS GOING TO HAPPEN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: PA
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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation