BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal

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 2022-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to dispute some items on the credit report. The are violating my Rights.

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 2018-06-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Citicard CBNA. is on my credit report I do not own a citicard cnba

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 2018-06-18
Company: STATE FARM BANK, FSB
State: FL
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 identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with State Farm Bank. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and XXXX  has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX  confirmed the identity theft and deleted the State Farm Bank account as well. Both XXXX  and XXXX XXXX show my credit history as excellent. XXXX  is being duped by State Farm Bank as they state that the fraudulent account is valid, which is a joke. State Farm Bank is in violation of the subscriber agreement they have with XXXX  pertaining to accurate reporting. Each day that State Farm Bank carries this item on my XXXX  report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if State Farm Bank continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from XXXX XXXX XXXX and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from CARRINGTON MORTGAGE SERVICES say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by XXXX of who this CARRINGTON MORTGAGE people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a XXXX XXXX ( XXXX XXXX  ) XXXX XXXX veterans. That went are under a medical hardship. In XXXX Chase Mortage to over my From XXXX balance of {$240000.00}. In XXXX Chase Mortrage reported a balance of ( {$230000.00} ) to the credit bureaus. Which is the last time they reported my mortgage to the credit bureaus. This actions has adversely affected me rebuilding my credit. Chase Mortgage, turned me down for a Home Equity Line of Credit. Although, I have equity in my home. 
In XX/XX/XXXX, Chase Mortgage did a home modification with me on my home at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida : XXXX. The principal amount of modification is ( {$230000.00} ) XXXX XXXX XXXX XXXX XXXX dollars and all penalties dismissed.

But, Chase Mortgage used the original purchased price and some fancy accounting, unpaid balance work. To apply extra money to a Modification which is illegal. You cant borrow money, or come out with extra money in a modification. 
Review all three ( 3 ) credit reports to see the inaccuracies.starting dated XX/XX/XXXX account : XXXX Last Hurricane season, F. E.M.A., denied me assistance because I did have enough credit. Couldnt prove I had a home loan in credit bureaus files. 
This company XXXX XXXX XXXX XXXX- Never did business with then. 
XXXX XXXX XXXX : every month is reporting to credit bureaus that I owe them money. How do I owe them money, I never did business with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: MS
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 took a look at my credit report and I have noticed false and incorrect daya reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was in communication with XXXX XXXX XXXX # XXXX about a mortgage refinance on my primary residence. I informed him that I have a HELOC and didnt want to close that loan so I want my second mortgage holder to subordinate to the new mortgage loan. I contacted my 2nd mortgage holder and was informed that XXXX company, loan depot, would have to request the subordination agreement. 

On XX/XX/XXXX I spoke with XXXX and again said I didnt want to move forward unless we could get a subordination agreement. He informed me they would work through the subordination process but I would need to apply for the loan and I would need to pay for the credit report. So I applied. 

I emailed a week later to let XXXX know he would need to contact my bank I have the HELOC with and reminded him to contact them about the subordination. He didnt respond to the email so I called him. He let me know my processor would work through that process and I would be contacted in a week. 

On XX/XX/XXXX I was contacted by the processor. She stated she would send me an email with information I would need to provide. I informed her of my conversation with XXXX and she promptly stated they were not processing mortgage that were requesting subordination agreements. I told her of my conversations with XXXX and she said sorry but were not going to move forward if you request the subordination. I asked to talk with her boss and XXXX boss because I fell like XXXX was being deceptive. 

I believe XXXX was being predatory, that we would get down the road in the process and that I would just forget about the subordination. This would force my hand. He told me not to make my XXXX payment so we could close on XX/XX/XXXX and I could miss to payments. So if I would have gotten to the closing table and hadnt made my XXXX payment my hands would be forced to close. 

I believe this to be a business practice that the company endorsed and the LO uses this sales technique to defraud their clients. 

When I emailed XXXX and Loan Depot to withdraw my application he said they would cancel and decline my loan application. So Im out of the money for the credit report, Im out of my refinance rate, and they have potentially hurt my credit score. If I go to another mortgage company they will pull my credit and again potentially ding my credit score These unfair and deceptive practices have to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been contacting my mortgage loan company, LoanCare, since XXXX XXXX in order to get my house taxes adjusted to the correct amount. I have sent my loan company my correct tax information multiple times, called and emailed to follow-up on the resolution. It is XXXX XXXX and they have yet to resolve my issue. They do not respond to complaints sent via their website. I have now been emailing them but they are not getting back to me within the time frame they say they will resolve the matter. It has been far too long, and I need resolution so that I do not have to come out of pocket again when the tax bill arrives.

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 2018-11-19
Company: Dynamic Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I received a letter dated XX/XX/2018, alerting me that I owed a debt to " XXXX XXXX XXXX XXXX XXXX. ", a company I had never heard of before. At the top of the page was an original creditor and debt description, for an old XXXX account that had been paid in full at least a month ago- long enough for my XXXX report to mark it as paid. This debt collection agency, Dynamic Recovery Solutions, sent me this collection notice with nothing but a XXXX XXXX address on the outside of the letter, and a XXXX XXXX address in the letter. I worry it may actually be fraudulent. This debt was settled, paid in full, to the original creditor directly. I should not still be receiving debt collection notices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: AL
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 been trying to get Equifax To delete hard inquiry from my report with them, the rep say the inquiry was verified and I told her that cant be true I never tried to attain credit with any on the companys, I was in Bankruptcy and my lawyer told me not to apply for anything while in the program I tried 3x to get the inquiry remove with Equiifax she say she had sign paperwork I ask her to send me copies where I authorized them she then say call each consumer yourself to get them deleted help accounts including XXXX for {$1000.00} I sent letter showing what the company stated that the account will be deleted and they still wont take it off it report XX/XX/XXXX wasnt my account all the inquiry was done is not mines but XXXX XXXX XXXX XX/XX/XXXX I ask them to delete the rest they wont do anything to clear this up I ask for all addresses to be remove but one nothing help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. 
I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. 
The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. 
I do not have the capability of attaching documents to this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-07-10
Company: Bread Financial Holdings, Inc.
State: FL
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:
XXXX XXXX has called family members and discloded my information to another family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
State: FL
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 identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with XXXX XXXX XXXX. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and Equifax has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX confirmed the identity theft and deleted the XXXX XXXX XXXX  account as well. Both XXXX and XXXX XXXX show my credit history as excellent. Equifax is being duped by XXXX XXXX XXXX  as they state that the fraudulent account is valid, which is a joke. XXXX XXXX XXXX  is in violation of the subscriber agreement they have with Equifax pertaining to accurate reporting. Each day that XXXX XXXX XXXX   carries this item on my Equifax report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if XXXX XXXX XXXX  continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2018-06-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 I became a resident at XXXX XXXX, and had an agreement that only required me to stay in my lease for a term of 6 months without penalty on the 1 year lease signed. 
I turned in my keys after 9 months, and later discovered I was billed for the 12 month leased term. This is severely unlawful and prejudicial as its reflects on my XXXX  credit report. XXXX XXXX no longer are in business and was brought over by XXXX XXXX XXXX XXXX. ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation