BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank : Wells Fargo credit card for XXXX  Heating and Cooling Products. 

Company : XXXX XXXX XXXX, specifically XXXX " XXXX '' XXXX. XXXX XXXX ran a credit check to see how much I qualified for. But he pulled his offer and we never did business. I never authorized a credit card be issued to me and I received a credit card for an open line of credit today. I only authorized a credit check NOT a credit card nor a line of credit. He's doing all this over the phone and also requested I send my personal information such as my SSN through email. 

XXXX XXXX : ( XXXX ) XXXX Email : XXXX. 

To reiterate : I agreed to ONLY a credit check and did NOT authorize the credit card or line of credit be created under my name.

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 2018-03-28
Company: EQUIFAX, INC.
State: AL
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:
OnXX/XX/XXXX I called Equifax to remove inquiries that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another US Rep received my call. I explained to her what happened and how the US Rep was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other US Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other US Rep was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. XXXX   was pulled on XX/XX/XXXX &XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX  was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted XXXX onXX/XX/XXXX and spoke with a US Rep who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX  on XX/XX/XXXX whom as well told me the same thing XXXX stated except they put a Fraud alert on my credit file and still wouldn't help me with these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been with the NFCU for over 6 years now. I have 2 credit cards, 1 saving and checking accounts and a line of credit. I have always made my payments with no issue, I never been 30 days late on my payments. 

On XX/XX/2019, I had XXXX and I was forced to be on medical leave for so long and so I was out of work but I was able to continue my payment with no issue until XXXX. When I realized it would be difficult to make payments, I called all my creditors including NFCU if they can do something. They came back and said no I do not qualify for any help because I do not have enough income ( even though XXXX XXXX was able to help ) but instead, they offered to extend my due date to few months and as the deadline approached and I was still out on medical leave, I called to get another extension on all 3 accounts : 2 credit cards and the line of credit. Ultimately, I went back to work and in XXXX I was able to make large payments on all my 3 accounts. 

I have 3 big issues with the way NFCU treated me. For a bank that always claims to be there for the vet and their family, I think it is immoral the way they treated me. I just come to find out that, even though they said they have given me an extension on my payments, they reported all these payments as late payment on all 3 credit bureau with some of them going as high as 90 days late. This is not Ok specially in these difficult times. This is NOT helping the vet and their family. My credit score has suffered badly as a result of 7 late payment NFCU put on my credits even though I had the extension. They also suspend and cancel my line of credit. How can you people be so cruel. You don't even help like the other bank did. 

Also, I do not agree with the interest charged on my credit card ending XXXX. How can you charge me {$270.00} interest on purchase when I paid $ XXXX on XX/XX/XXXX before my cycle close on XX/XX/XXXX? keep in mind that when my previous balance was {$22000.00}, the interest was charged was {$280.00}. How is it that with more that half that balance ( $ XXXX ) I still pay almost the same interest even though my payment was done before the cycle close. I have the same issue with my line of credit and my other credit card. 




Of all the banks, NFCU is the one I would expect not to be mean to their customer but you guys were of no assistance in the time of need. I was out on medical leave for XXXX XXXX  XXXX but yall did not help like other did but you destroyed my credit and charged me funny interest. I am sending this same letter to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
An account was opened for me XX/XX/XXXX. At that time I was in the process of repairing my credit. My credit score was in the low XXXX and I had filed a Bankruptcy. However, I was given a card. In the 2 years that I have had the card, I have paid on time and my limit has been increased. However, in XXXX of this year ( XXXX ) I called the store to see if i could get a XXXX XXXX with the card. I had cut the card up after XXXX in an effort to pay it off..However, they told me I would need the card and asked if I wanted another one. I said no, I'm trying to buy a house, so that was OK. The next month I got a letter saying they had decresed my limit, based on my credit report. My credit score is now XXXX and all the accounts in my name have paid been paid on time. The decrease in the limit has lowered my credit score. Can they lower my limit for no valid reason, other than I didn't want another card?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
I submitted a dispute with experian and the report came back resolved and deleted from my report on XXXX then XXXX with no proof or change the item was placed on my report and no new findings were documented sent to me l want this item removed immediately from my report.

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 2021-05-04
Company: Phoenix Financial Services LLC
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: Information belongs to someone else

Complaint:
I checked my credit report and noticed two outstanding collections from Phoenix financial service that there is no possible way I could have obtained both are derived emergency XXXX XXXX XXXX XXXX XXXX  The first one I would like you to look into is {$560.00} and was originally opened XXXX. The second one I have on there is {$590.00} and as well, false. The reason I could not have acquired these is because u have been an XXXX  female at XXXX XXXX, XXXX route XXXX, XXXX pa XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company name is Santander auto loan .Due to I stay w out job I call and also went to XXXX XXXX in Person to to try to lower the payment and they said no Santander is part of XXXX I call voluntarily Santander to come and get the car is been almost 8 still on my credit also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018, My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

TransUnion Continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

TransUnion has not provided this consumer with the information of Who verified theese accounts and How these accounts were verified by virtue of proper documentation containing my sifnature binding me to these negative accounts. 

TransUnion is now in violation of the FCRA and continues to be in noncompliance.

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 2021-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Midwest Service Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am being contactedby the company to resolve a medical bill from XXXX. The bill is XXXX dollars. I told them I was unemployed and couldn't pay andthey said either borrow it from family or my credit report would be heavily damaged. This was in XX/XX/XXXX. 

I received another phone call today XXXX XXXX, and I told them I amnow self employed and just started a contract. They told me either pay the balance or they'll call my wife. I told them she doesn't work, and they said that i have to pay the full balance today, or my credit will be negatively reflected and I'll losemy business. I asked to speak to a manager to dispute the debt. I told them I've never received paperwork and I want a copy of the recorded call, they said I haveno right to it. They also said they don't have to follow the law andthey do not have to allow payments below the full amount. I offered to pay XXXX now, and they said either the full balance or iwill be sued. This is a very shady business and I feelmy rights under the fair debt collection practices act were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
I sent equifax a certified mail letter on XXXX. Till this day they never responded to me. I am stressed that they failed to respond and its been over 45 days. 
Equifax is in violation under XXXX XXXX XXXX, they are reporting inaccuracies and unverifiable account on my credit report. I am requesting the removal of all disputed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Diverse Funding Associates LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XX/XX/XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX XXXX never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and 3 ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.

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 2018-06-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
During my 20 years of being tied into the XXXX frequent flier program and using their tortuous credit card, I am forever locked into this card because of the potential of losing miles and I can't transfer out to a more customer friendly company than XXXX XXXX without potentially losing my miles. Over the years this company is getting more and more zealous in frequently locking up my card for no reason, and today was the final straw leaving me stranded in the Texas summer heat at a gas station and refusing to unlock my account. I have been to the top of this company before and they work entirely off an antiquated fraud detection system. For example, if you make yearly purchases from the same company, since their fraud detection software goes back only 6 months, so that for whatever arbitrary reason ( the name of the company you are buying from sounds " foreign '' ) they lock out the card frequently without reason ( can't say, they tell me because after all it is their flimsy excuse for a secret powerful processor of insight and fortune-telling ). 

Also they have begun to demand recently that you give them a text number on file so they can communicate with you. I never signed up for providing CitiCard my phone account to use at their leisure and if they want me to receive texts from them, then by all means they should send me a pre-paid phone out of their own proceeds, not mine. 

Not once in the many, many holds they have put on my account, have they ever caught someone defrauding my account, so to me it seems they have an issue with their fraud tracking software and they need to " stay off my back for something I've NEVER done!

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 2018-06-27
Company: JPMORGAN CHASE & CO.
State: FL
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/2018 someone called Chase bank and claimed that they had made an ATM deposit of {$950.00} in cash but it did not appear on their receipt. Which the bank has never told us where this alleged deposit occurred. Then on XX/XX/XXXX someone XXXX to an ATM in XXXX XXXX Florida across from The XXXX XXXX ( which my son has never been to ) and withdrew {$500.00} then a couple hours later went to the ATM across from The XXXX XXXX and withdrew {$440.00}. On XXXX XXXX, XXXX XXXX and XXXX XXXX went to the Chase bank On XXXX XXXX and made a formal complaint on the account the bank made a reversal of funds pending investigation. They asked XXXX to file a police report which he did report # XXXX and after no investigation they undid the reversal and Then on XX/XX/2018 they removed {$950.00} from XXXX XXXX 's saving account and closed they case. I then called the bank pleading that this was a mistake. They said they reopened the case but still will not provide the location of the first transaction, what phone number called in to make original complaint, and if they ever looked at the footage. My son did not give his card to anyone or does he ever remember it being out of his possession so the bank just assumes that my son is involved. Why would we file a police report? We even offered to sign an affidavit of our non-involvement in this thief but the bank got their money back so they will not help their client of more than 20 years. Whoever did this I am willing to prosecute to the fullest of the law and now the bank won't give me any information They are now Telling me I will have to get a subpoena and investigate my own case. Please Someone HELP ME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
have contact all 3 major credit bureaus and XXXX  XXXX in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks

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 2019-02-18
Company: Mr. Cooper Group Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
CFPD I have been working with 4 different Fiancial Institutions. The investigations & evidence has been submitted many times, this is because I have continued to recieve new documents from these Mortgage Companies, all their documents and response are conflicting. Showing no payments, late payments, transfers undisclosed & unreliable.The response from XXXX XXXX has been denied again. Although XXXX states my documents are ineligible, the information sent to CFPB states that the evidence has been used & altered using the new material I summited. I believe XXXX should not have changed their response. I would need an examinator to read my complaints in its full entirety. XXXX has reported to this latest entry as Cruel, Abusive language, Unwilling to take action & cooporate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
Navient continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter 13 Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.

Company response to consumer: Closed with non-monetary relief