BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX XXXX, I had fraud committed against my checking account. The security of my bank did not have measures in place to prevent this from happening. Due to this my account was depleted of all funds. The banks security department had to conduct an investigation that took an unprecedented amount of time. I finally was able to recieve all of my money back on XXXX XXXX. Due to this lengthy investigation process I was behind on some of my bills that were auto-draft. Those creditors applied returned check fees totaling {$290.00}. I have tried working through my bank to recoup those fees and have not had any resolution. I claimed these fees on XXXX XXXX and as of today have been informed by my bank that this investigation is still in progress. I have already paid those fees to those creditors. So as of now I have paid {$290.00} in fees due to a poor security department and an unacceptable investigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXXXXXX, has 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 15 U.S.C. 6802 ( A ) ( 1 ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2020-04-15
Company: EQUIFAX, INC.
State: AR
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:
PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, EQUIFAX, AND XXXX WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX. XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX

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 2020-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Good Afternoon To whom it may concern, I am currently experiencing a difficult time due to this COVID-2019 Pandemic Crisis. I am currently located in one of the designated hot spots located in XXXX Texas ( XXXX XXXX XXXX Texas ). All five family members in my current household have been diagnosed with XXXX ( Wife, Mother in Law, XXXX kids ( XXXXyear old and XXXX year old ) ). I had recently requested a credit limit to my chase accounts ( Chase Slate 3 years & 11 Months ), Chase Amazon ( ( 3 yrs & 8 Months ), & Chase Freedom ( 4 years, 5 Months ). I have had a perfect payment history and do not have credit cards over the rule of thumb of 30 % except for my chase slate. I unfortunately got declined for this request. Right now when i most need the help they have denied my request. I am trying to raise my credit limit, to ultimately have extra spending power in case any other problems may arise. I have made 48 payments toward my chase freedom credit card, 45 payments towards my chase amazon credit card, and 47 payments towards my chase slate credit card. I reiterate that i have not missed a payment in a single card! This is so ridiculous and not fair at all to any consumers going through this. I cant believe that Chase Bank ( JP Morgan ) do not have a way to attest my decision on my credit limit decline. A XXXX XXXX XXXX bank, does not have this! Inexcusable and i hope this gets sent to the CEO of JP Morgan, and he can read this complaint. It will be the last time i use any of the services of Chase Bank Again. If you need for anything please give me a call. One last thing, the  individual that helped me was ( XXXX from Missouri ), she wasn't even able to give me her last name as per company guidelines. I am very disappointed and furious! I hope to hear soon, and i hope this gets publish so that other consumers may not go through this distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: OH
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 was several months late on my loan payment to XXXX, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

XXXX also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I was notified by email that my savings and spending account was being closed they did not disclose a reason. I use my chime account for my direct deposit and I also gamble legally through XXXX, XXXX XXXX, and XXXX XXXX. I withdrawal from the betting apps into my XXXX  then from XXXX directly to my Chime Banking account. I am not sure if that is why my account got closed but I have over {$9000.00} in my chime account that i do not have access to. I am writing this complaint so I can get the money that is rightfully mine back in my possession. On XX/XX/2021 I tried to call Chime support but could not talk to a live person. There is no function for that. I also called the XXXX customer service number and they transferred me right to chime. I also emailed chime and I am only getting automated responses back. I am attaching all of my deposits from XXXX where it shows I got the money legally and legitimately through online gambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted Wayfairer several times regarding purchase and they have failed to explain a {$360.00} charge on my account. I was charged {$570.00} on my account for an item I purchased on XX/XX/XXXX which increased my balance from {$460.00} to {$1000.00}. The purchase was on a deferred interest promotional plan that was set to expire on XX/XX/XXXX. Since I did not pay off that item in time I was charged an additional {$130.00} in interest, which I understand. But at the same time that interest hit I was also charged an additional {$360.00} for that same item purchased on XX/XX/XXXX, and Wayfairer has not adequately or fully explained what that additional {$360.00} was for. So by XX/XX/XXXX, Wayfairer has charged me {$1000.00} for {$570.00} purchase I made on XX/XX/XXXX of XXXX. And they won't explain why. As I said, I understand the {$130.00} in interest but I urgently need I need to understand and see where I agreed to be charged and an additional {$360.00} for my XX/XX/XXXX purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove ASAP.

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 2019-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, DEPT OF ED/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Phillips & Cohen Associates, Ltd.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX called XXXXXXXX XXXX XXXXr. XXXX XXXX  does not accept personal calls. XXXX  XXXX  requested agency 's address to send a formal notice that personal calls are not accepted. Agency refused to provide. Agency stated they had no compliance department and no supervisor. Agency claimed corporation was " harassing '' it by stating that they were violating the FDCPA by not providing accurate contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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, has 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

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 2018-10-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX  - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.

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 2018-10-02
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a change on my credit report with a company " lobel financial '' the account was showing as a closed account and started reporting current with a balance increase after years of no change. I contacted lobel and asked to please send me an itemized bill and advised them that I did not receive documents for the sale of vehicle at the end of XX/XX/XXXX. When I called they forward me to legal department and I spoke legal rep names XXXX. XXXX stated that this was turned over to a collection agency and I needed to call XXXX. When I called the number on a separate line is disconnected. I advised XXXX that and also told her it does not show a collection agency on my credit report. She said she doesnt know what to tell me. When I asked her why it was thousands more from the original loan amount and even after sale of a car and she said legal fees. I asked her what legal fees and she claimed for the attorney. Advised that there is no judgement so what did the attorney do and she refused to answer. She tried to give me a break down of the charges and amounts but what she told me was over XXXX less then what was being reported. I told her to please send me the documentation and she refused to take my address. I tried to give her my new address multiple times and she said she would not send me anything and hung up on me. I did contact XXXX after and advised them that lobel has refused to take my address. They were able to take my address and said will contact lobel directly to have them send me the documents that I legally have a right to. I also mailed and sent my request to lobel on XX/XX/2018 advising if they are unable to provide me with the documentation verify the debt and amount owed to remove this from my credit report. I still have not received in proof that this debt is owed. After the sale of the vehicle the balance should only reflect XXXX. What lobel is doing and how they treat consumers is completely unjust. As of today lobel has not removed this from my credit DESPITE me requesting documentation and writing a letter of dispute with no response. In fact the balance continues increase every month on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: NQM Funding, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received this letter that looks like an official government document even though it's just advertising. But it's misleading and confusing. I don't think companies should be allowed to do this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was permanently discharged from my student loans due to my being permanently XXXX. I received a letter from the department of education that my loans are being reinstated due to me not sending proof of my income. This isn't true. I did mail them the information like. My income is only {$11000.00} I am unable to pay for my student loan. But the department of education isn't having any mercy on me. They can also look me up and see how much income I have,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an interest-only home mortgage with Wells Fargo XXXX XXXX of the main features I wanted with this mortgage was the ability to pay down the principal and recast the monthly payments. I was reassured by my banker, XXXX XXXX, XXXX ID XXXX, that this was possible. In fact, in his initial emails, he had the following in his signature : " We have a free recasting service that allows you to buy your principal balance down by {$20000.00} or more, where we will re-amortize the monthly principal and interest payment based on the buydown amount ( essentially will lower the principal and interest payment based on the buydown amount without making you go through a full refinance ). This is a free service that you can take advantage of as many times as you want. '' I attempted to do this and was told this is not possible with my mortgage before the XXXX interest-only period is over. XXXX misled me during the application process.

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 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
Equifax did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by equifax until recent. My bank did not open trade lines and renew because of this.

Company response to consumer: Closed with explanation