BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/19. I should have had a direct deposit from XXXX, my paycheck as a civilian XXXX employee. Last night, the transaction was showing as pending ( which is normal for a Thursday night ), and this morning, it is showing as neither pending nor deposited. Not only am I unable to access funds, but the customer service phone line is not working. I learned through social media that Navy Federal knows there are problems with deposits, blame it on tax returns incoming, and have not given even a ballpark timeframe of when it will be fixed. I understand that things sometimes happen, but this is the second time recently, and the company is unwilling to speak to customers about it. I assume other banks are also being hit by tax returns, but only me and other coworkers banking with Navy Federal have had problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I start to dispute a Car Reposesion with XXXX XXXX since about 9 months and I been sending disputes thru the usa postal service many times and sending certified and with return receipt and since this account is past the status of limitations the original open date was XX/XX/XXXX and now is XXXX of XXXX is time to fall of from my credit report and must be deleted immediately

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 2021-11-28
Company: DISCOVER BANK
State: NY
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:
On XX/XX/21 : I reviewed my credit report and notice an inquiry that was not recognized or approved by me. 

Im the victim of identity theft and I dont recognize one or more of the accounts on my report from Discover Credit Card. 
I reached out the the copy numerous of times and was told to file a dispute. 
I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$590.00} on XX/XX/XXXX to pay off a promotional purchase that expires XXXX XXXX. The promotional purchase still shows a balance of $ XXXXI need the payment made to be applied correctly.I need the balance to be {$0.00} on promotional purchase made XX/XX/XXXX and expiring XX/XX/XXXX to show XXXX balance.

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 2018-04-11
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo Bank refuses to submit confirmation of loan payoff to the Credit Reporting Agency. On XX/XX/XXXX my loan was paid off in full. On XX/XX/XXXX, I received a letter from Wells Fargo declining my request for a secured credit card with Wells Fargo. The decision was based on " accounts with Wells Fargo were not paid as agreed ( we look for a history of on-time payments ) ''. After contacting the call center bankers, no one was able to explain what accounts are in reference, what needs to be submitted to correct the information, and who can provide an assistance. The only loan account I had with Wells Fargo was paid in full. Wells Fargo bank refused to submit the confirmation of account payoff to Credit Reporting Agencies which damaged my credit history and my credit score.

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 2019-08-28
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was told that they would do the trade then find out they did not do it. They keep on saying am supervisor will call and discussed. No call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Filed a case on XXXX, XXXX about fraudulent debit card activity after finding out that my debit card had been compromised and someone had withdrew {$900.00} from my checking account and {$1900.00} from my savings account in a Bank of America branch in XXXX LA . The withdrawals happened at around XXXX XXXX on XXXX and the moment I woke up and got a notification of the withdrawals via a survey from a video teller named " XXXX '' ( I was in XXXX XXXX at the time and the email survey was sent at XXXX ) I immediately told Bank of America that this was NOT an authorized transaction, but the amounts posted and I therefore filed my case. Since then, Bank of America has done everything imaginable to avoid giving me back my stolen funds. After filing my case, I waited a month before filing a CFPB complaint in which that was the only time they touched my case, to which they denied it just a few days later saying that " because your pin was used, it was an authorized transaction ''. When I asked for photos or videos of the transaction as proof it wasn't me, they told me that they can only give it to law enforcement or a lawyer. I then proceeded to file a reconsideration case and a police report for the fraud on XX/XX/XXXX, to which a police investigator was assigned to the case and requested the bank photos/video on XX/XX/XXXX, to which until this day ( XX/XX/XXXX ) they have STILL not released the photos to my POLICE investigator regarding a POLICE crime case. They then closed my reconsideration on XX/XX/XXXX without notifying me because " I did not provide any more evidence '' even though I called Bank of America and provided them with the police case number on XX/XX/XXXX which was the following Monday. Because they closed my reconsideration ( with failure to notify me ) I  called and the man I talked to opened another reconsideration case for me. Since then I have talked to multiple people of Bank of America asking about the photos/video requested by my investigator and all of them have given me the excuse that " it is out of their jurisdiction and we do not have direct contact with our security division, therefore I can not address your concerns of the photos/video not being provided ''. Bank of America has done everything in their power to avoid investigating my stolen funds.

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 2020-07-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have requested a pay-off for the loan over 2 weeks ago. This company will not tell us what it is and keeps stringing us along. We also faxed in the buyers order for the sale of the property 3 times. They just wont tell us the payoff! As of today our close date is 10 days away XX/XX/20. We need help from you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Zwicker & Associates did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  phone bill doesnt not belong to me and I have disputed it multiple times with no resolve it is hurting my credit score and I want to buy a house for my kids Im a single parent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 made multiple dispute with TransUnion and they still refuse to remove the inaccurate information on my credit report when I send them all the supporting documentation and they put that they verified the account when you clearly can see that the accounts are inaccurate, i ask how you guys verified the accounts and also can you send me the method of verification also they refuse to send me that as well. 
They are in valiation of my right fdcpa and I demand that the accounts be removed

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 2022-12-15
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX  {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked 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 2019-02-22
Company: Experian Information Solutions Inc.
State: MO
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:
With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX  XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked 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 2019-02-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is currently in the foreclosure process. We went through mediation and I was offered a trial modification, I made all of the payments on time and continued making payments after the initial trial period. I was told I would receive a package in the mail when I successfully completed the trial payment plan but never told when to expect it only that it would arrive at some point after the 3 months were successfully completed and that I should continue making payments in the interim. I received the package late since the delivery service did not put it in my mail slot, it was mixed up with a neighbor 's mail. When I finally did receive it, a month later, I returned the completed documents within 24 hours. My modification was rejected stating they hadn't received my completed package. I appealed and was rejected now citing completely different reasons for the rejection. They claimed my income could not support the mortgage payments however I had been making the payments under the trial plan as agreed and continued doing so after the initial trial period. My income had in fact increased by 30 % from when I initially purchased the home. One of the contributing factors behind me falling behind on my payments was that they increased my payments by {$300.00} per month without any notice and when I called to see why my payments were increased they were unable to provide any reasoning. I am a single parent of XXXX so this created an undue hardship in conjunction with other unforeseen circumstances. I am able to pay my mortgage and would like to continue doing so but they seem intent on foreclosure.

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 2023-01-12
Company: EQUIFAX, INC.
State: NY
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:
Unauthorized Hard Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Have been getting letters from different clothing stores. To confirm that the application is valid by me. And it isnt me filling out any application for a credit card. I called the companies And they have put an alert on.

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 2021-09-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with 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 2023-02-28
Company: Radius Global Solutions LLC
State: NJ
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 am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation

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 2019-02-22
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went into the key bank in XXXX XXXX washington to cash a check then I was told there was a hold on my check, with they usually dont do since i never had a bad check or history of any bad checks since I started over a year ago with them. When I was told about the hold I asked to go elsewhere or work with another banker the banker then told me " I will not let them over ride my decision '' and continued to deposit my check anyway. Without permission and he continued to argue with me even after the other bankers said I usually get my checks cashed. I really do not tolarate discrimination of any kind and I feel as if he was being very rude and profiling me because I am young.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: MO
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:
I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation