BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was contacted XX/XX/2018 by a Navy Federal Representative in the collection/payment servicing department. I made arrangements to pay the account on the XXXX via an ACH debit. I was told that would prevent my account from being late. The transaction never debted my account and I contacted Navy Federal on XX/XX/XXXX in regards to the 30 day late they reported on my credit. I was advised that they had no record of my payment arrangements.I was inaccurately reported late and advised each representative that I was closing on my home after building it for over a year and that I could not afford the late on my credit. I was trying to juggle my wife being sick and not working anymore along with paying all of the bills, all I was requesting was to be granted enough time to make the payment and they did not honor the payment arrangement we had made. I called in again XX/XX/XXXX. 2018 and spoke to a XXXX in the collections department he was very rude and condescending he spoke to me in circles and never honored my request to speak to a supervisor after asking 6 times. I am now unable to close on my home and about to go into foreclosure on the loan. I have contacted Navy Federal numerous times and no one is willing to allow me to speak to a supervisor or their Executive Office. I have never been late on this card and paid every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Kashia Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have taken a loan from this company called inbox loan. The loan amount was {$500.00}. Im am being told that despite my biweekly payments. Im being charged daily fees that in order to pay this loan in full will be in the amount of {$1400.00}. 

Please help me to get pay this loan off and be free and clear of this debt. This company is obviously charging me more money that what was borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: MI
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 has consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX 
Account XXXX Account name : XXXX Bankruptcy Account XXXX Account name : DEPT OF ED Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have a 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.

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 and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Exeter Finance Corp.
State: GA
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:
The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : Exeter Finance - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX Case XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts were opened with the following banks : Bank of America XXXX Both banks were contacted on XX/XX/2021. The accounts were closed on the same date. 

I contacted XXXX  credit bureau to file a fraud alert.

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 2018-01-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi iv deposited a considerable amount of money into my coinbase account and have been locked out of my account since with no access to my funds. I have contacted customer service several times by phone and email. They say someone will be in touch but have had no reply yet. I have tried all the steps on their website and colleagues nothing seems to work. I spoke to an advisor on the phone and asked to speak to a manager and was told no one was available and when asked for the managers name I was told I cant be given it. I am begging for assistance- cant sleep at the moment my case number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: BARCLAYS BANK DELAWARE
State: IL
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:
Barclays inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a XXXX point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be XXXX by XXXX points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Barclays is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit 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 2022-01-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am XXXX XXXX and I am upset to inform that Citibank decreased my credit limit without my consent on a credit card I actively use. Due to this my credit score has taken a hit on the balance.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: AZ
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:
I recently visited XXXX and requested an online copy of my three free credit reports. I received my free credit reports from XXXX and XXXX but not Experian. I attached a screenshot of their denial to give me my free credit report for a SECOND TIME. I attempted to call Experian to get my free credit report and credit FILE over the phone for the third time, which they said they would mail in 15 business days but have failed to do so. As a consumer, I am now demanding a copy of my credit reports and credit FILE from Experian, XXXX and 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 2017-07-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to this company several of times about accounts with  XXXX   XXXX . The account is showing wrong information such as incorrect name and dates of birth. These accounts and past the  seven year  mark and some I have no knowledge of. My report is also stating that these are closed accounts. These accounts should be removed from my credit report because it is causing me financial hardships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: SC
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:
My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   (  No contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to  XXXX  several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt was paid still reporting derogatory to my credit report

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 2017-10-09
Company: SYNCHRONY FINANCIAL
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Company Name : Care Credit Problems : Interest, and supposedly missed payments..? 
People involved : Care Credit and Cardholder I have been paying on my care credit ( dental ) card since XXXX. I just got off the phone today XXXX XXXX XXXX, 2017 ) and I was speaking to a woman named XXXX about why my promotional balance was different than the current balance. I have never missed a payment for any of the promotional balances, and I never seen any other payments stated on my care credit account. So I asked her why that was, and she told me it was because of a charge of XXXX $ or so. She said there was also interest added from the time of the payment of XXXX $ every month sense. So I ask her, where is it stated at on my account? I tell her how I have been making payments since XXXX from a balance that started out at a little over XXXX $ and now its down to XXXX ( promotional balance ), so why would I still be getting charged for the monthly interest? Why is the XXXX $ not paid off yet if I have been making payments to the current balance. She tells me that unless I call and specifically ask for the payment to go towards the non-promotional balance that it will keep charging me, and it will not be paid off. But she says I have XXXX $ left of the XXXX $ charge? Which does n't make sense, given that my promotional balance is still being paid on. It does not state it on my account, I was being charged, they were saying my payments were late, but all it showed was just a difference in the charges that I just became aware of after I paid off the last promotional balance. So my last promotional balance shown says XXXX $ and the current balance is XXXX XXXX I just do n't understand how I can be charged interest for something that is not stated on my account or even presented next to the promotional balance, I was n't able to pay all of it at once which is why I had a promotional payment, but I have been, and am currently still making payments, so that XXXX $ should have already been paid off even so. Its not fair that I have to call to make a specific payment about a charge that is n't even stated on my account. If I am paying towards the CURRENT BALANCE than it should cover all charges that would be present, including the hidden non-promotional purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: MO
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action 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 2022-01-10
Company: EQUIFAX, INC.
State: MO
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
When I received my Wells Fargo Business Card statement for XX/XX/XXXXXXXX, there was a {$600.00} Cash Advance taken without my knowledge on XX/XX/XXXX from my Business account XXXX XXXX XXXX. I never take out cash advances on any of my credit cards. I told the bank this when I opened my business account on XXXX/XXXX/XXXX under both my maiden name and married name. I asked Wells Fargo Bank in XXXX, NC for documentation and the signature was electronically superimposed on the form. This account ended in XXXX - XXXX XXXX XXXX Platinum Card. They responded that it " appears to match my signature on file. '' I made a payment in cash on XX/XX/XXXX at that bank on another credit card. I manually did not sign for any cash advance as I try to keep my balances paid off or I pay {$1.00} - XXXX on my credit cards and would have no need for {$600.00} when I paid the other card in cash that same day. The time was not stamped on the cash advance form. I went to XXXX that day also. Without the video of that transaction, showing me counting the {$600.00} in front of the cashier, I know someone in that bank, having access to numerous signatures, particularly my Business Operating Agreement looked similar except the account has two last names, not just one. No printed receipt of the cash being paid to me either. This was no mistake, my personal banker was terminated and is under investigation for this. A rep. from the XXXX XXXX, NC branch wanted to transfer to XXXX and is now sitting in my personal banker 's office. This bank scammed me and is covering up for the person who actually hacked my account. They may have done this cash advance scam on others who do n't check their statements. I requested a form two weeks ago from your office so I could mail my documentation but it did n't come. Wells Fargo is FDIC but refuses to provide the video showing me getting the {$600.00} because they do n't have it. They took out my middle name from my signature files and only put my married name on it, Since XX/XX/XXXXI have had accounts with Wells Fargo and NEVER one cash advance. PLEASE investigate the Wells Fargo SCAM of taking Cash Advances from their customers.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously tried to write letters to have derogatory information removed from my credit report and this company has not removed it. The debt does not belong to me. It is impacting my credit score and prohibiting me from being approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: CA
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 in regards to an XXXX credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called XXXX again transferred multiple times again to be told they cant take my payment and to call XXXX XXXX XXXX. I calld XXXX XXXX XXXX  and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today XXXX is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.

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 2022-08-13
Company: EQUIFAX, INC.
State: IL
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: TX
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:
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

Company response to consumer: Closed with non-monetary relief