BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I XXXX {$800.00} for a XXXX XXXX puppy then I XXXX  an additional {$150.00} for the shipping from my bank. I received an email indicating that it was a fraud/scam and contacted my bank. The money hadnt even come out of my account and they said they could not stop it. Money left my account 24 to 48 hours after that and went to the person I bought the dog from. The dog was a scam and the person I bought it from said that they would refund my money and as of now I have no dog and no money and the person is no longer returning communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: AMERISAVE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called AmeriSave Mortgage on or about XX/XX/2020 about a refi, I was assured based on the information I provided it could be done. I have several complaints, no communication, a total change in all the loan numbers, and the appraisal of XXXX that I paid for immediately via credit card, as the loan officer said " he would give me the XXXX bucks back if it didn't go through ''. I owe XXXX on my existing loan and wanted XXXX cash out if possible. The home appraised for XXXX. The next thing I knew I had a request via email, as that is the only way they communicate to send in signed Borrowers certification and Authorization to Release Loan Information. Stating I am applying for a loan of XXXX!!!! When I went in to their document section I noticed my rate had gone from 2.75 to 3 %, my cash out went to XXXX yet I now would owe more than XXXX than I do now on my home. I have called my loan officer non-stop since XX/XX/XXXX and not ONCE has he taken or returned my calls. I went to his manager, it took 3 days and I received an email response at XXXX and a brief follow up message saying my house appraised at XXXX, that explains NOTHING. I have yet to reach him again or get an additional call back, or response to my additional emails. The original intent of this refi was to get a little cash and lower my current payment which was exactly how it began, until I was in the middle of the process then all the numbers arbitrarily changed with NO explanation or communication whatsoever, I don't know how this can or should be LEGAL. Thank you for your assistance XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from Experian. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so Experian, XXXX, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate.

Due to this issue of inaccurate information within my account from experian : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from Experian. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from Experian when checking my credit. 

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX  XXXX  XXXX4 & XX/XX/XXXX 4.XXXX  XXXX  & XX/XX/XXXX 5.XXXX  XXXX  & XX/XX/XXXX 6.XXXX  XXXX  & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had applied online to ace express for a loan back in XXXX or XXXX of XXXX I received the money but decided that I didnt need it. I called then to let them know that I no longer need it once I did that they gave me a website to send an email saying that I no longer need the loan. Tried to send the money back and there system was not working on getting it back they kept saying that my bank was not allowing the transfer. I called my bank and my bank said that they were the ones that was not letting the transfer go through. I took the money out to try to add to a different XXXX card to send it back but it was doing the same. They told me to open a new bank account and give them access to it so they can take the money out. I said I wasnt going to do that, they already have my bank card info, that they shouldnt have any issues getting the money back. I tried and tried and they were saying that I am the one that didnt want to pay it back when I kept in contact with them and tried to send the money back. Well I Lost my job in the process of trying to get them to take the money and they kept calling and I kept telling them that I no longer have a job and can not pay at the moment. They kept calling and kept adding more interest into the account and I am still with no work. I kept telling them that I can not pay. Once I have a job then I can maybe pay little by little and they said that I had to pay the full amount at once. Months past and never heard from them. I finally received a call from a law firm called XXXX XXXX XXXX saying that I have till XX/XX/XXXX to call them regarding a complaint about me. So I called and a guy answered I gave him my name and he looked me up. I asked what it was about and why I am being sued for {$1500.00}. He said it was from ACE Express and that I will receive a court date on Monday or something this coming week on when I have to appear. I said I dont understand and he simply hung up on me without saying anything else. I am so confused why do I need to go to court when I tried to pay them and they never took it and never got call, mail or email from them and now they are calling saying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the XXXX XXXX XXXX, However I XXXX, XXXX XXXX XXXX the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-30
Company: Bread Financial Holdings, Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
My third request in attempt to obtain verification from the credit card co. about a consumer debt I'am disputing.. Certified letters were forwarded. As of to date, more than 30 days later, I have not received any correspondences from the credit card company..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Doing Covid well Fargo about us to put XXXX payment on the back of my loan. After about a month later Wells Fargo reach out to let me wanted to know how was I going to pay back the XXXX month that was surprised to went on the back of the loan, that did not happen they wanted the month before the year was out if it was not paid it would be a second mortgage on the house. That was not what they said at the beginning of the XXXX months.

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 2023-02-15
Company: EQUIFAX, INC.
State: NV
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:
Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a short sale during covid and lost the buyer do to covid. 
New Rez has violated some federal laws as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a debit card from USBank ReliaCard which I did not apply for. This card is in regards to unemployment benefits. I have been retired for several years, and have NEVER applied for unemployment benefits. This is a scam. I tried to reach USBank but was unsuccessful, as their website requires to activate the card, could not get to speak to anyone to have them cancel this card. It seems that someone is using my name to use this debit card.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-10-30
Company: T.S. Holdings
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX and XXXX XXXX. On XX/XX/XXXX we rent an apartment called : XXXX XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX f XXXX oklahoma XXXX. 
1. The date we move in, we report to the office the apartment is infected with roaches. But they didn't solve the problem on time 2. The carpet was not fixed well and need some stretching and fixing. But they didn't fix it on time 3. The alarm was making noise the whole night and because of that my kids were not sleeping. They didn't fix the Alam instead they close it with sole tapes for two years I was with out smoke detector. 
4. My neighbors was also having the same bag problems 5. On XX/XX/XXXX they start to spray for the whole unite but it was so late. 
6. From this date on they start to spray every Thursday and some time Tuesday but the bags were increasing and I asked them why it is increasing. No reply 7. Only three days we told them to come back.

A. We have a new baby and we arrived from the hospital B. One of my boys was sneezing very bad from the spray he was allergic and he is still on medication C. The first day shut down of covid. 
8. On XX/XX/XXXX they refuse to give us renewal of lease agreement. I asked them to stay and I can not move because of covid-19 and I have small kids but they refuse and told me I can not stay in two bed rooms.

9. After I move they send me a bill to pay {$3000.00} after they took my {$250.00} deposit. 
10. Before my move I have an appointment with the manager XX/XX/XXXX to walk and show them I have cleaned and left the apartment in a good shape. But the manager was off and next day she refuse to walk the apartments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are late payments for account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of XXXX XXXX XXXX, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX  and JPMorgan Chase ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney XXXX XXXX XXXX, XXXX XXXX XXXX ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : Charge Off : XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$700.00} XXXX XXXX-Balance {$2000.00} XXXX XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$400.00} XXXX-Balance {$2500.00}

Company response to consumer: Closed with explanation