BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2012. A consumer credit transaction that involved a finance charge. 
15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash. The finance charge is also supposed to include insurance but Navy Federal Credit Union made me purchase insurance separately. Navy Federal Credit Union is supposed to provide me the right of rescission according to 15 USC 1635. This is a consumer credit transaction and Navy Federal Credit Union did not clearly and conspicuously disclose this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Conn's, Inc.
State: TN
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 was a victim of identity theft and notified XXXX XXXX  and XXXX. i also attached my police report and identity theft affidavit. XXXX  and XXXX  removed the fraudulent account but XXXX  still haven't removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, my boyfriend and I stayed in XXXX from the dates XXXX XXXX-XXXX XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ),  which was very difficult because everything was closed due to COVID,  I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion continues to report a public record that has not been verified as accurate which is a direct violation of 15 U.S.C.1681 Fair Credit Reporting Act.

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 2020-09-01
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold the property and the title company requested a payoff. At closing the title company wired the payoff to the mortgage company ( Fay Servicing ). Three weeks later the mortgage company reversed the wire and said that it was {$2100.00} short. Come to find out the mortgage company ( which had escrowed my taxes and insurance ) let my insurance lapse and placed forced insurance on the mortgage and said I owed for the insurance policy. More than 3 months later I still havent received any information or a policy purchased for this property. The title company had worked out the details and sent the wire back to the mortgage the next day. Three weeks later the mortgage returned the wire again. This time claiming I owed interest of more than {$1800.00}. Ive hired an attorney, the title companies attorney has been involved and 3 months later we still can not get a resolution with Fay Servicing. Fay servicing bought the mortgage in the first quarter of 2019. My taxes were due in XXXX, the end of XXXX I had to contact them inquiring why they havent paid the taxes on time. They said they would pay them in XXXX and they would pay the late fees. They did pay them but it was 2 months late. 
So, sold and closed on the property XX/XX/XXXX and as of XX/XX/XXXX Fay Servicing isnt responding to their own attorney which has been in contact with mine to come to a resolution. Im getting monthly mortgage statements showing they have the funds in an Unapplied account and my mortgage is months behind. The property has been transferred to the new owners so technically Fay Servicing has an unsecured loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I, XXXX XXXX XXXX was pre-approved for two FDIC backed credit cards in which required paying a fee before they were opened. The XXXX XXXX card was eventually closed after initiating the first card and then the bank closing the initial card without consent and sending a new card, only for the card to be misrepresented in balance. The balance was paid off but the bank has not returned the {$100.00} applied to initiate the credit. The second card is Aspire MasterCard which required a {$99.00} initial fee to open the credit limit. All balances have been paid over the few months of opening the card. However, Aspire would like to close the account, indicating there is evidence of fraud with providing such evidence for review. So, they placed a hold on the account, which the consumer believes have always been placed on the account because the card only allowed 50 % use of the credit limit and declined 1 of 2 scheduled payments which included insurance and phone service. The consumer refused to close the account or accept a new card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: LA
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 certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Security National Automotive Acceptance
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchase a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Georgia. On XX/XX/2005. It was then financed by Security National Automotive Acceptance Corporation. At an interest rate of 13.90 and finance charges of XXXX which bring the total sale amount to {$24000.00}. At the time I did not understand credit or interest rate at the time I was a XXXX-year-old just enlisted into the military and was in need of vehicle to travel back and forth to work. When I was XXXX XXXX out of the military contact Security National Automotive Acceptance Corporation to inform them that I was no longer in the military and to stop the automatic draft that I had set up for years they refused to stop the automatic draft and my account was overdraft 4 times without my consent at the time I told them all so they could come pick up the vehicle and then that's when they told me they did not want the vehicle back and that it was no good I told him about all the maintenance that I had to do and all of the recalls on this vehicle. I tried also returning the vehicle back to XXXX XXXX 3 days after purchase they refuse to take it back due to the fact it was an as-is sale with no warranty

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Please see attached Companies that took part in this event : 1 ) Wells Fargo 2 ) XXXX and XXXX ) XXXX and 4 ) XXXX XXXX XXXX XXXX XXXX Wells Fargo and XXXX allowed a dishonest contract to take advantage of an elderly man via a vehicle to get financing. XXXX arranged for this contractor and the contractor solicited business while performing another service. 1. Fraud we have no evidence that he work was completed that equaled the total amount charged. XXXX XXXX XXXX XXXX XXXX will not respond to our requests. 2. Lending practice elderly man was recommended into if you buy today then the price is reduced. 3. No paperwork was left with him to dispute in the 5 working days 4. Signatures are questionable ( at least one ). Elderly man is not certain of what he signed.

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 2018-07-27
Company: Ditech Financial LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We have a loan w/Ditech XXXX. XXXX  XXXX XXXX XXXX SD XXXX XXXX for our RV and we have moved from XXXX  to XXXX  and need to register the vehicle. The state of XXXX  needs an original title to the vehicle to register. Ditech will not comply with this. So we are paying on an RV now that is not legal in the state of XXXX because Ditech refuses to send an original title to the XXXX  XXXX County Title Office. 

XX/XX/18 went to XXXX XXXXk County Title Office @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to get a temp plate where they request an original title to complete the plate registration in XXXX  Ditech never complied. Went back to the XXXX XXXX County Title Office on XX/XX/18 the BMV submitted the request to Ditech via Fax. 

Ditech never complied. Went to back to XXXX XXXX County Title Office on XX/XX/18 and the person at the XXXX  XXXX County Title Office spoke to a Ditech representative named XXXX explaning the XXXX   law of needing an original title to register the RV. They indicated they were going to send it directly to my home. Never rec 'd it. 

We have followed up with Ditech twice on XXXX and twice on XX/XX/18 and XX/XX/18 regarding this matter of the title. We never get the same Ditech representative again when we call and as we explain the matter to them they basically go silent and we don't even know if they are still on the line, till we ask if they are still there. 

All we want is the original title sent the to the XXXX XXXX County Title Office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we can get this RV registered in the state of XXXX. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: GVA Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I obtained this loan not realizing how bad the interest rate would really be and what it would mean to me. My loan initiated on XX/XX/XXXX. I eventually made arrangements to pay what I owed off at the rate of {$100.00} a month. I have been doing this for the last 6 months. I have more than paid the amount that I owed yet I still owe {$710.00} as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX, I hired XXXX XXXX XXXX XXXX XXXX to help modify my mortgage loan with Wells Fargo. XXXX XXXX Offices took over my loan modifcation with Wells Fargo. Wells Fargo refused to modify my loan. I was requesting a lower interest rate of 3 % which is what they were advertising on the radio. My interest is 6.5. In the middle of negotiations in court, Wells Fargo transferred the mortgage service to XXXX XXXX. XXXX XXXX refused to reduce my interest rate. They only offered me foreclosure or reinstatement. I chose reinstatement. My attorney 's office was emailing me to communicate with me. At some point, the attorney and I suspect that on XX/XX/XXXX, the emails were hacked and the location for the wired loan reinstatement fee was changed to XXXX XXXX  at Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX, routing # XXXX, account number XXXX. On XX/XX/XXXX my credit union made the wire transfer of {$18000.00} to the Federal Reserve Bank. The Federal Reserve transfered the money into that account. Then the money dissappeared. No one is taking responsibility for my missing money. I need my money back.

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 2020-12-08
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: DISCOVER BANK
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be  placed on my bill again. 
I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: AL
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:
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: NH
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 an account with Experian.com - Couple different problems with this account. 

They first had the WRONG DOB on file. I have requested for this to be fixed. No one has fixed this. 

They also disconnected my bank account with Experian boost for no reason what so ever and never notified me of this and now I can not get the account to reconnect. I have called and no one is able to assist me with this. 

I also noticed that the majority of my positive accounts and my negative accounts are not reporting on the report because I pulled a my annual credit report and they are reporting on that Experian report. 

Also I was in the process of buying a new car and the dealership told me their is a freeze on my credit file. I tried to lift the freeze via XXXX and they have advised me online their was a error. And when I called XXXX - they said their is no freeze but the dealership is still til this day having issues as I type this to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: WA
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:
XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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