BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: TN
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 disputes to XXXX and Experian two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: WELLS FARGO & COMPANY
State: NY
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:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my 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 2019-09-07
Company: Comerica
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I recieved my SSI benefits on XX/XX/2019. On XX/XX/2019 I went to an atm to withdraw money an my transaction was declined. At this point I called my card an it said I had a balance of {$20.00}. That is when I cancelled my card an reported my money was missing because I had not used my card at all since my check was deposited on Saturday XX/XX/2019. I was told by a lady I spoke with that I would receive a new card within 2 business days an all my money would be refunded to my card. When l recieved my new card on Thursday XX/XX/2019 I activated it zn it had a balance of negative {$15.00}. I am XXXX years old an alone I need my check that someone has stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: AZ
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX - XXXX XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX dba Attorney at XXXXXXXX XXXX XXXX XXXX. has been alerted that they were interfering with a billing dispute with Navy Federal Credit Union. All correspondence has been ignored. No contract exists between XXXXXXXX XXXX XXXX XXXXXXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from Navy Federal Credit Union. They were also informed that they are interfering in a Trust matter. 
A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via Registered mail. 
Navy Federal Credit Union and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just six months after my closing for making false statements to Federal agents for real estate matters. Seven months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. 
Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXXXXXX XXXX XXXX XXXX. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXX XXXX XXXX XXXX. have notified to Cease and Desist collection efforts. 
Navy Federal Agents XXXX XXXX dba Chief Executive Officer, XXXX XXXX dba Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A purchase was made through Cash App where the recipient did not supply the item. I immediately tried to stop or refund the payment through Cash App and reported the fraud. XXXX XXXX XXXX reversed the charges pending investigation and referred me back to Cash App. My legal firm advised me to file a complaint as I have provided documentation aka proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Yamaha Motor Finance Corporation USA
State: MD
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:
Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX  I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have received a letter from the bank. It contained the name of the person to contact to unlock my account. I have the court document that the account belongs to me. But the person for me to contact does not answer the phone. He has a voicemail that does not work. He has no email address available. Local bank manager does not know how to help me. I have all the proof, the legal document. No one in the bank knows how to help. The Client Resolution Specialist doesn't exist. I can not access the money in my account. It has been over a week since I found out Suntrust ( Truist ) blocked my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-08-11
Company: UNITED ONE RESOURCES, INC.
State: MD
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:
Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank skimmed {$160.00} off my account by debiting my account for the same check twice. On XX/XX/2018 two debits were made to my account. One was for Check # XXXX in the amount of {$160.00}. The other debit was a " Check '' without a check number and for the same amount. When I called Wells Fargo Bank they were unable to provide me any information about this check and said the check number was read by their system as XXXX. I'm unable to see a copy of this check online or get a copy from the bank. This is yet another example of Wells Fargo Bank continuing to act unethically and still from us. We have had multiple claims against WFB and one of them was for skimming which WFB was forced to compensate us.

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 2019-08-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 the loan servicing company increased our monthly mortgage payment from {$2000.00} per month to {$2900.00} per month. Loan servicing stated that this was because of an escrow shortfall. 

It is apparent to me that the loan servicing company miscalculated the previous year escrow withholding by underestimating the property taxes. This has placed us in an extreme financial burden situation.This raised our monthly payment by {$840.00}. This was unplanned and we were caught unaware. 

I contacted the loan servicing company and the basically stated that it is what it is, pay it. We have paid this every month through XX/XX/2019 but can not continue to do so. This could result in the mortgage defaulting and foreclosure if the loan servicing company will not offer a more amicable payment solution.

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 2021-02-11
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Midland Credit Management. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: KeyBridge Medical Revenue Management
State: MI
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:
On XX/XX/2019 I was a victim of identity theft and had to file a police report and start looking into my credit reports. Upon doing this I had found 3 collection accounts belonging to KeyBridge Medical Revenue totaling {$170.00} that I was unaware of and thought were paid through my XXXX XXXX. Immediately contacted Keybridge and paid these 3 accounts off in full and received a letter from them showing they were paid. I spoke to all 3 credit agencies ( XXXX, XXXX & XXXX ) XXXX & XXXX removed the collections from my credit file upon faxing the letter from KeyBridge to them showing the accounts were satisfied in full. after dozens of phone calls, disputes and letters, XXXX is REFUSING to delete these 3 collection reports from my file. I wrote two goodwill letters one to KeyBridge Medical and one to their President XXXX XXXX asking to please remove these collection accounts that have been paid with NO RESPONSE! 

I have placed 2 calls to XXXX XXXX who is a customer relations person and left 2 voicemails with no return call or response of any kind. I am applying for a mortgage and this will severely impact my application. If they are PAID why do they have to remain for 7 years on XXXX and not the others?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a remaining balance on a leased XXXX  XXXX XXXX. The account has never had a late payment in 3 years. The final payment went 33 days past due and the negative mark on my credit impacted my score more than 50 points. I anticipated to resolve the issue immediately, as I have never been past due. I contacted American Honda Finance to resolve the issue, and the automated phone directed me to a collection agency. I asked the agency specific questions about the account such as " is this agency handling the credit reporting of my account '', they claim they are not. I attempted to contact American Honda Finance again, and was able to speak to a customer service representative. He tried transferring me to the finance department to agree on a solution, but the call was not transferred. Instead, he told me the finance department refuses to speak to me as they are no longer the credit reporters of my account. Simply put, American Honda Finance claims they are no longer speaking to me because they are not the credit reporters and the collection agency they hired are making the same claim. This practice is unfair to consumers and should be unlawful. Finance companies should not be able to have such an impact on credit worthiness if they refuse to resolve the issue and come to an agreement or solution that benefits both parties. My credit score will continue to be impacted until American Honda Finance speaks to me. I am asking for a full summary of this situation. An explanation as to why American Honda Finance is  falsely claiming they are no longer the credit reporters of my account and a full good will adjustment, as the negative marks on my credit inaccurately reflect my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was scammed on XXXX by using XXXX with Chase Bank. I did not realize XXXX did not have buyer protection at the time of purchase. It was unclear how unsafe XXXX is for money transfers to buy goods. Chase does not make it clear that XXXX should not be used for goods and services. I ultimately lost {$100.00} I can not get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Since XXXX, I use the services of Wise.com ( formerly Transferwise ) for US to Europe and EU to US money transfers in EUR or USD. 
On XX/XX/XXXX, I transferred XXXX $ to my Wise account from my account at XXXX  XXXX XXXX. 
Wise.com recorded the incoming transfer from XXXX on their corporate XXXX XXXX account on XX/XX/XXXX and notified me that my money can not be sent to my XXXX  XXXX account under the pretext of missing information concerning my account name, number and wire transfer details at XXXX  XXXX XXXX ( the bank they got the money from ). 

I submitted comprehensive information about my XXXX  XXXX XXXX account, name, account details - despite that, Wise.com did not credit my account with the XXXX , but went silent and kept the transfer on hold. I called their service center three times on XX/XX/XXXX and XXXX, and although the call center agents said the information was comprehensive, the money was not credited to my balance. They had no explanation why Wise does not process the information I submitted, held back the transfer, or even credited it to my account. The XXXX $ is inaccessible to me. 
I assume Wise uses the collection of more information as a tool to prolong transfers in the interest of cash management. A transfer that normally takes 2-3 business days has been put on hold for several days without proper explanation. 
I would like to request the CFPB to investigate the deterioration of customer service at Wise.com. As I write this, nobody at Wise.com could so far explain why the XXXX $ are not credited to my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: GA
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:
Have reached out to XXXX  to remove us bankruptcy Court - XXXX. They have moved it off of my credit report because of statute of limitations. Have reached out to Equifax and they will not delete it. It should be deleted because of statute of limitation. I'm needing help with Equifax to remove this bankruptcy, it has been on my report for 7 years. I did a dispute with Equifax the XX/XX/2019. It's a chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Student loan was originally made from Sallie Mae now Navient. We, myself & co-signer receive at least 2 phone calls per week & numerous e mails plus mails regarding these loans. They have been in forbearance/deferred to the max and currently the harassment has been overwhelming. I have spoken to them numerous times explaining our current situation which is, my mom & co-signer was diagnosed with XXXX XXXX & can not work nor receive any income from XXXX. Because of this unfortunate issue, I have taken over not only all the household expenses, but my mom 's expenses plus my own. My husband works part time & he pays his own expenses as well as some household expenses. In XX/XX/2019, I fell at work & XXXX  XXXX XXXX which recently I had XXXX on & am currently on XXXX XXXX for the next 12 weeks. Whenever I speak to Navient and try to work something out, they do get very nasty & ask how I pay my other bills or tell me about a higher power to pray to. This is not sitting well with me at all. This past week I received 2 calls XX/XX/XXXX & XX/XX/XXXX 6 days apart & the rep. dismissed my comment about it, 8 emails plus my daughter received the same, then paper mails we both received. We are fully aware of the debt owed however, we are trying to work with them & are very demanding & get a little personal. And the phone calls keep coming.

Company response to consumer: Closed with explanation