BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been an account holder with Navy Federal Credit Union for almost 10 years. I did fall on hard times and I was unable to satisfy a credit card with Navy Federal which resulted in a charge off. This happened quite sometime ago, I would say XXXX time frame. I received notice from a debt collector stating they had bought my account from XXXX XXXX, and I needed to work with them in regards. Today XX/XX/2022 Navy Federal took {$470.00} from my checking account without notice and when I called to discuss, I was met with accusatory language, and was advised there is nothing they can do, as this debt is owed and they can take it as an offset. So I am almost positive that they are not able to do this for an almost 7 year old credit card account as I should be a protected consumer. I know for a fact I am not the only one they are doing this to, and I will not go delinquent on my personal mortgage or car payment because Navy Federal decided they were taking my funds whenever they wanted. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: IL
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 contacted to asked why my credit score dropped from XXXX to XXXX after settling a bill and the representative could not explain why. I advised him that I review my credit report monthly as I am a divorcee who has been working towards getting my credit back in tack. So I've been paying my debt off over a per of four years. So I'm watching my credit. He stated per his investigation he found some other outstanding collection information on my credit. However, the information he provided was already there and has been for several years. It was not the root of the problem. Those are the accounts I am paying off. The two collection items for {$990.00} and {$210.00} were already fractured into my credit report. 
The representative could not explain to me why my score dropped instead of increasing as it did with the other two credit bureaus. The representative then when on to tell me that I can get the information free if I sign up with my equifax. I am glad they have a program but he did not solve my problem. I want to know why my credit score went down and did not increase once I settled my bill. It appears that someone made a mistake and they are not trying to fix there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX credit card but currently charging me XXXX XXXX  plus for interest calls me daily after explaining I'll make XXXX of the month payments in the highest amount I can currently afford and to discontinue calling but they continue calling me irrigate and from random numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
Company: AR Resources, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2018 i disputed a collection debt of {$200.00} from ( AR resources INC ), this dispute was sent certified mail, as per federal law the collection company can not report any derogatory INFORMATION TO ANY CREDIT BUREAU UNTIL ALL DISPUTES ARE EXHAUSTED, and disputed within the first 30 days of receiving the collection notice. i received the notice on XX/XX/2018, dispute was sent before the 30 days. 

on XX/XX/2018 they sent a letter showing a {$00.00} balance invoice contradicting the claim of $ XXXX XX/XX/2018 i disputed the debt again and never received a reply back. on XX/XX/2018 i received a credit alert notice that ( AR RESOURCES INC. ) REPORTED THE COLLECTION TO ALL 3 CREDIT BUREAUS. 
THEY VIOLATED THE DISPUTE PROCESS AND HAVE CAUSED ENORMOUS DAMAGE TO MY CREDIT FILE. 

THIS COMPANY IS COMMITTING CONSUMER FRAUD, AND VIOLATION THE FARE CREDIT ACT RIGHT TO DISPUTE A COLLECTION PRIOR OF IT BEING REPORTED TO ANY CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: CITIBANK, N.A.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
Reviewed my credit report last month and is showing Sears-citibank as reported balance of XXXX + with all National Credit Bureaus. Prior to last month of viewing my report, I received letter from an agency asking for this alleged balance. Til date I have not received any validation of this balance upon request from this agency.

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 2020-09-11
Company: Amsher Collection Services, 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:
On XX/XX/XXXX Report Number XXXX was generated by XXXX about AMSHER COLLECTION SERVICES. They deleted the account due to Fraud and inaccurate information. The company AMSHER COLLECTION SERVICES then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XXXX and AMSHER COLLECTION  SERVICES from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Chime Financial Inc
State: TX
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:
So on Wednesday XX/XX/2022, I was at a allpoint ATM inside a XXXX because chime has it on their app as a " Fee free '' ATM. So I arrived around XXXX ish. I attempted to withdraw my money for rent and about XXXX transactions occured. XXXX were approved and XXXX were denied. The ones that were denied I have proof of no money being dispensed. My account was still deducted the amount my receipt said was " Denied '' by the ATM. So I contacted chime and on XXXX the XXXX my account had a " adjustment '' and they gave me a credit of XXXX back to my account. ( This is all happening with my pay check from work ) However, on Wednesday XXXX the XXXX 2022 they took that " credit '' back and so essentially again taking the money from my paycheck away. Desputes were filed and I was told they received an email claiming I the account holder requested to close the case. But everytime an attempt has been made to reopen every agent tells me they are making sure it's done. Then I'll call back and the next person will say " oh it doesn't look like anything has been applied to the account ''. With this back and forth eventually my pay check hit again and paid back the negative balance their actions caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I purchased a house by taking over the mortgage on property. This was done through a local bank. Years later, we pay property off, received closing paperwork and property title. We checked with our local county office and the property was recorded with previous owners. How to we get this corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX , has violated my rights.

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX TransUnion XXXX XXXX Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, Wells Fargo is incorrectly reporting a missed/ late payment on my loan account with them. One month I've paid my monthly dues in one of the local branch, and something went wrong on their side that didn't register the payment, although money from my account was withdrawn. I've contacted Wells Fargo and they did admit to their mistake. They've taken care of the late fee and were going to send me some papers to sign and send back, but I haven't received anything as of today. Every time I try to reach out they keep telling me about some paper to sign but this run around has been going around for almost a year now and this is affecting my credit score for way to long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
hi Experian you reported to myself and the CFPB that the incorrect names were removed I see in checking with XXXX XXXX XXXX that you did not remove those names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX you stated in caseXXXX-XXXX that they were removed. My Id # XXXX is correct, please remove these listed above.CFPB please refer to XXXX-XXXX in this matter thank you

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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Bank of America called me numerous times in XXXX. I receive a call yesterday at XXXX. A BOA representative called me to ask fo R mortgage payment. I asked him what I owed. He then saw that I didnt owe. He then went onto my account and undo my payment. Confirmation number is XXXX. The bank is to be allowed to take advantage of the black Community again. Now I am here left to watch my pile of miss payments because the BOA representative went into my account. That was illegal I did not invite him into 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 2021-04-28
Company: CAINE & WEINER COMPANY, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Mercedes Benz Financial Services
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:
on XX/XX/2023 my application was denied for reasons that go against consumer laws I did not give permissible purpose as usc -1681b paragraph XXXX. I never gave written intuitions permission to do anything, but the financial institution assumed I did apparently 15 U.S. Code 6801 - Protection of nonpublic personal information - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have applied and been denied to three different modifications. Every Time we talk to someone in the mortgage review department we get a different story : add your wife, do not add wife to loan, don't add additional income you need more income. never told us what programs were even available, just that we made too much money or not enough. We are told if we send in payments they will be sent back. We make enough money to pay for our home. We are told not to submit both of our incomes. Its a complete nightmare. We have XXXX children and work hard to keep our home. We have begged them to put what we owe on the back end of the loan, and even increase our monthly amount to pay them for the few months we were behind. 
We do not qualify for any modification. I feel there should be some bracket we fall into. We are losing our home with XXXX kids, have no where to go, all due to a glitch at wells Fargo.

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 2020-07-22
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-10-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient previously approved me for a payment plan and processed a payment for that plan. They later came back after checking my credit without authorization and stated I was no longer approved for that plan. Upon denial they then tried to raise the payment amount, without informing me in a timely manner, while also sending me conflicting statements about my account status. Upon receiving additional information about the account, I signed up for another rate reduction plan that I was approved for. Upon approval I was never notified that my credit would still be effected. A month later, my credit began to reflect XXXX LOANS reporting as 30 days late, significantly tanking my credit score. Despite writing letters and reaching out to customer service to clarify the inconsistent documentation I received, Navient still denied fault of this issue. A supervisor later finally agreed to listen to the previous recording and determined that the representative was in the wrong for the information shared on the account and stated they would submit documentation to have my credit report corrected. He stated to me directly that this would be fixed by XX/XX/10. Nonetheless, a different department later denied that request as well. Finally, after requesting the documentation and the call recordings from my conversations with Navient, the company has continually refused to provide me with those items in order to resolve this matter fairly. After months of reaching out to the companys ombudsman, I have yet to receive any kind of fair resolution or a call back. Thus, still greatly effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
XXXXXXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.

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