BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Stewart Information Services
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX, XX/XX/2023 PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ XXXX XXXX XXXX XXXX XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023

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 2021-12-10
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In the month of XXXX of 2021 I tried to reopen my business account with Navy Federal. It was closed do to non active business and in order to open the account there was balance of {$29.00} for charge of and that payment was made. They uninformed me that I would need to submit new documents showing good standing and XXXX in which I did. After providing documents was told that I was unable to open account need assistance with procedure on how to fix issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Credit Bureaus, There is information that on my consumer report that is a result of identity theft .I did not provide written permission or instruction for the identified transactions to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted .My request to block is not being made in erro, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transaction by me as the consumer : You have 4 days to remove and blocked ALL THE INQUIRIES ON MY CONSUMER REPORT The account below : 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 2023-04-17
Company: Experian Information Solutions Inc.
State: CT
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-12-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
money is missing out of my account. My balance was {$6600.00} when I went to sleep. a {$4900.00} payment was applied. No transactions came in. When I woke up, my balance was missing approximately $ XXXX. I attempted to dispute the matter. The banker stated that he see where there may be about {$450.00} due back. I called to check status, and was advised that nothing will be refunded. I am missing money from 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 explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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 again my credit report and found that some of the data were incorrect. 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 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 XXXXXX/XX/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 2021-11-16
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my XXXX Credit report and notice NATIONAL CREDIT ADJUST is reporting a debt of {$1600.00} which appears to be a fraudulent account opened in my name. I have never done business with NATIONAL CREDIT ADJUST and do not wish to do business with them, i do not wish to have a contract with them, i have never gave permission or authorized NATIONAL CREDIT ADJUST to access my private and personal credit reports, my personal information such as DOB, social, address or phone number. 

I contacted NATIONAL CREDIT ADJUST and spoke with a gentlemen and told him i didn't open an account with them NATIONAL CREDIT ADJUST or whom ever they are collecting for i told him my information was part of the XXXX XXXX breach and someone had to open that account in my name because i never signed a contract, documents, agreements with NATIONAL CREDIT ADJUST, i never signed an electronic agreement, i never sent a scanned copy of my id or social card with them. so they have the wrong person. 

the customer service guy was rude and nasty telling me i need to pay or i will see them in court. he threaten me with court and its not even my account. i asked for all the documents they have saying i agreed to pay them so i can file an identity theft report, when i did the guy hung up on me. I called back and they clicked the phone and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My federal student loan servicer XXXX sent me a notice dated XX/XX/ that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
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:
My 3rd submission was supposed for remaining fraudulent inquiries only, but that only applied to my Experian and XXXX Credit Reports, as I see no removal whatsoever in my XXXX Credit Report, that I am a victim of identity theft and I write to the 3 Credit Bureaus to dispute the should be remaining inquiries in my file resulting from the crime. But the XXXX did not give attention to my Fraudulent Inquiry Removal Request. Again, the inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please remove these fraudulent inquiries, especially the inquiries still reporting in my XXXX credit report : EXPERIAN : 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 explanation
Consumer complaint received 2022-10-25
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- ->>> XXXX XXXX for XXXX XXXX XXXX My XXXX XXXX XXXX. The last place my card was supposed to be sent was @ XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX I was unable to retieve the {$250.00} or {$200.00} dollar amt charge to my credit card at XXXX XXXX on XXXX XXXX XXXX. Since then, my card was stolen by my friend XXXX, XXXX. my old boyfriend. Along with my identity and my drivers license and now my ID DMV issed card. 
I am so frustrated. I have no idea where the child support payments are going to and can not even retrive a dispute letter from Goprogram.com that was last outsourced to XXXX! I think XXXX is absolutley a identity theft. And please report this along with any other account associated to me name. he also stole my Unemployment Card and my XXXX XXXX bank debot card and my XXXXXXXX XXXX cards, and my XXXX Cards. XXXX XXXX XXXX XXXX XXXX XXXX 
His current address and where I stay with him now stay is at XXXX XXXX XXXX, XXXX, XXXX please look into this thank you so much/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was instructed by PNC BANK Mortgage Loan Officer XXXX XXXX ( XXXX ID XXXX ) to complete a Homebuyers course offered by XXXX XXXX. Upon completion of this course that took multiple hours to complete, I was promised a {$1000.00} grant. I passed the course with a XXXX score, and received a certificate indicating I completed the course. As of XX/XX/21, PNC Bank refuses to honor this agreement, because they decided on that day that they will not proceed with my loan application. PNC Bank has lied and reneged on my loan application two times in the past 90 days, and now they refuse to honor the compensation that was agreed upon for my participation and completion of this course. I want the money that is owed to me for my cooperation and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to CAPITAL ONE last XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: GA
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 have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender XXXX XXXX XXXX XXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address

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 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XX/XX/2020 I went to XXXX  XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get one in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
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:
I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED THIS FRAUDULENT ACCOUNT WITHOUT MY AUTHORIZATION. 

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 explanation
Consumer complaint received 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CapitalOne owes me {$250.00}. I am forced to hold for 30 minutes or more, and when I do get them on the phone, they cant help me. Their reps are not authorized to reverse an incorrcectly applied charge to my account. They incorrectly applied fees and interest to my account. I've submitted numerous complaints, online and by fax, and the responses are computer generated and do not pertain to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 hackers withdrew {$250.00} from my Bank of America account that I did not authorize. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals from Bank of America. 

I filed a dispute with Bank of America on XX/XX/2021 to reverse this transaction. After almost a month they closed the dispute and I have been unavailable to speak on the phone to discuss this futher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX XXXX XXXX XXXX. I XXXX this company and it looks to be some pay day loan company. I have never done any business with XXXX XXXX XXXX as I've never received a payday loan before. I've sent this company certified letters via USPS and tracking numbers to prove they received them. I've asked them to cease all collection efforts on 3 occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a credit card opened fraudulently in XX/XX/XXXX. I called the company to inquire on this and report that it had been the result of identity theft. As a result, they closed the card XX/XX/2019. Unfortunately, they are still reporting a balance and, even though the account is closed, say I'm missing payments and dinging my credit report. I've tried making payments just so it doesn't report as late and ding my score, but they still keep reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of America is denying consumers the right to dispute charges and also denied consumer the right to view and inspection merchant information and internal records used to make a decision to deny my claim in amount of {$420.00}. 

On or around XX/XX/2022, I tried to purchase a bathroom vanity from XXXX it was delivered damaged. The outer packages was severely damages and I did not accept said package into my home. 

My telephone records show I immediately on XX/XX/2022, reached to XXXX spent hours of the telephone and explained the problem and asked that they come pick up the damaged item that box was left unopen in front of the home. 

XXXX refused to pick up the item. I am a senior with XXXX could not lift said box and the package remained. According to XXXX there were no replacement for said item it was sold out. I requested the reasonable accommodation under XXXXXXXX XXXX XXXX XXXXXXXX act that XXXX not send out damages items and make it a requirement and person with XXXX responsibilities to get large item back to a store. 

After I could not get resolution with XXXX I contacted BOA and explained several times over a telephone item was sent damaged I refused to take receipt of said item. BOA waited any additional 60 days then claimed documentation stating what you were supposed to received and how it was different from what you received when I stated from the start of my claim/complaint with I did not take receipt. 

BOA is engaging in a deceptive business practice of keep the charges on the account to make monies off high balance and high interest fees. BOA is trying to force a consumer to take receipt and responsibility of damage items in order to make profit I am asking the CFPB to investing this deceptive business practice enact or enforce laws that required BOA any/all credit companies to turn over all records relating to disputes and grant consumers the right to dispute any in accurate information. I asking CFPB enact or enforce laws that companies or responsible to resolve complaints in a timely manner.

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 2021-11-16
Company: EQUIFAX, 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: 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: MIDFIRST BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received numerous letters stating I opened different bank and credit card accounts. 
I believe someone has stolen all my impersonal information.

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