BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Card was opened without my knowing reported fraud but Navy Federal will not remove the file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Wilshire Consumer appraised the value of my vehicle over and above the NADA guidelines according to the condition of my vehicle. The vehicle is a rough trade in according to NADA 's guide value report. That value is {$1200.00}. So far I have made 6 payments on the vehicle and no principal has been credited as agreed. the vehicle was appraised at {$2500.00}, {$1200.00} more than it's true value. I am requesting that the vehicle title loan be cancelled at a {$0.00} balance. XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Transaction Type Transaction Date Amount Balance + Payment - Other XX/XX/XXXX {$150.00} {$2400.00} + Payment - Other XX/XX/XXXX {$100.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} I found three complaints regarding Wilshire Consumer Credit : Search results Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ...

Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/administrative-adjudication-proceedings/administrative-adjudication-docket/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ... 
CFPB XXXX XXXX XXXX XXXX XXXX to Provide Consumers {$44.00} XXXX in Relief for XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX : XXXX XXXX Services and Wilshire Consumer Credit XXXX XXXX XXXX XXXX ... Indirect Auto XXXX XXXX XXXX XXXX Consumers {$44.00} XXXX in ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed my account with insufficiently. Due to virus my employer was behind on payroll. He did agree however to pay monthly bill in addition to my monthly payment. Past history shows this was done successfully thru past year. Last few were unsuccessful but note these were in addition to my regular on time every month payments. These that didnt clear were additional payments. Ive had XXXX accounts over the years and paid first XXXX in full and always paid on time every month on this account. Employer was behind on payroll and offered to make extra payments to compensate to the account. I had no idea these didnt clear until now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. On XX/XX/2021 someone took {$820.00} out of my checking account by changing the server. As a result my account was overdrawn by {$800.00}. I am requesting that the {$820.00} be restored to my checking account. 

2. I informed Bank of America that I had security breach I request that my checking account number be changed the Bank of America, XXXX XXXX XXXX, XXXX, CA XXXX refused to change my account number. 

3. My Bank of America XXXX  saving account was changed to a checking without any prior knowledge

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 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX BankXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage VA Loan through Freedom Mortgage and last XXXX, XXXX, I sold the house and there was an escrow balance of {$2200.00} and Freedom mortgage indicated to me that they had cut and sent a check for this amount after receiving the payoff on the loan. I have not received any check since I sold my house in WA state. I called on last month on or about XX/XX/XXXX and they told me a check had been issued and sent. I did not receive any check. Last Thursday, XX/XX/XXXX and Friday, XX/XX/XXXX to find out the status of the check. Freedom mortgage indicated they will re-issue the check by the end of this month and it will be payable to me on the first week of XXXX, XXXX. I don't believe them anymore, and they need to send me the escrow money it is not theirs. I need your help! this was a VA loan and it needs to be resolved 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 explanation
Consumer complaint received 2017-12-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in an apartment complex in XXXX Texas, which we moved out of in XX/XX/XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a statement of deposit accounting from XXXX XXXX XXXX, which is the parent company of the complex we lived in. The statement of deposit accounting directed me to pay {$240.00} to XXXX XXXX XXXX/IQ Data. On XX/XX/XXXX, I sent a money order to XXXX XXXX XXXX/IQ Data for the outstanding fees, per Steadfast Management. In XX/XX/XXXX, I received my check in the mail from XXXX XXXX XXXX/IQ Data, with a note attached which reads " As we are unable to locate this account this check/money order to you. Thank You, IQ Data International Accounting Office ''. On XX/XX/XXXX, I wrote letter to both I.Q. Data International and XXXX XXXX at XXXX XXXX/XXXX  XXXX XXXX. In my letters I disputed the increased fees because of through no fault of mine they had charged me interest. On XX/XX/XXXX, I received a letter from IQ Data International , Inc., Account Rep. XXXX XXXX, again asking me for {$250.00}, which was the original debt plus {$8.00} in Interest. I still dispute the interest charges. On XX/XX/XXXX I received an email from XXXX XXXX, Regional Manager for XXXX XXXX XXXX. In her email she admits there was a problem with their transferring of files from her company to IQ Data International. That there would be no negative impact on our credit because there was a 45 day race period. On XX/XX/XXXX, I used my XXXX XXXX XXXX XXXX   debit card and paid the original debit {$240.00} ( I have the transaction in my account statement ). Yesterday XX/XX/XXXX, I received a telephone call from a Representative of IQ Data International who said, I still owed the debt. IQ Data International has killed our FICO credit rating. We want an acknowledgement from IQ Data International that our debt is paid and was paid as far back as XX/XX/XXXX. We want our credit rating restored to it's prior ranking. We want an apology.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 there were 3 charges on my account that were fraud I let them know that i didnt make these purchases they refused to stop the transactions and give me my money back the company is American Express Serve. The amounts are XXXX, XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: EQUIFAX, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Ive contacted the loan servicer numerous times and its been 6 months since Ive been able to pay my student loan they have destroyed my credit they wont return my calls or my emails. They have threatened to send me to collections. I am a single dad trying to pay to keep a roof over my head and bills on a single income. I tried to defer they said I made to much which isnt true as they dont know what bills I have with my daughters health and paying the rest of the bills I have. I want them to remove the late fees remove the blemishes they left on my credit and most of all negotiate to bring my payment lower

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have not received my provisionary credit for a dispute that I filed on XX/XX/XXXX I sent in my dispute form by mail I was never given a provisionary credit under Federal Regulation e I was not also accommodated provisionally under the Americans with Disabilities Act I've  also spoken with several supervisors and they all have made up lies and hung up on me and created tickets which is a violation of the corporate Espionage Act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXXXXXX {$26000.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$200.00}

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 2021-01-21
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the  courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-03-28
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:
Please remove the following unauthorized inquiries from my Experian credit report : XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Early Warning Services, LLC
State: FL
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 requested a copy of my consumer report from Early Waring and they provided it. I was stunned to see every transaction in my bank account listed on the report. I immediately contacted them and asked them to freeze my consumer file so it would not be shared. 

They responded that they are not required to comply with consumer report freeze requests. When I asked for an explanation they would not provide one. I have since sent email and mailed letters requesting that my report be frozen and they do not respond to either method. 

Clearly, the bank transactions listed on my Early Warning report are being used by their member banks to make credit decisions or influence credit offers they may provide to me. 

The banking transaction listed in the Early Waring report is far more detailed and private than any data you see in a standard credit report. It is essentially a copy of your bank statement. This information should not be shared with anyone member company or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: ID
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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 Experian : Factual Data XX/XX/20 Experian : Factual Data XX/XX/20 Experian : XXXX XXXX XXXX XX/XX/20

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