BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both  parties, without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: OH
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 have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXXXXXX XXXX  # XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.

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 2018-01-27
Company: STATE FARM BANK, FSB
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this was a fraud account opened back 2014 by state farm bank with fraud balance {$5000.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: KINGS CREDIT SERVICES
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted my lawyer who settled this insurance claim for me and he told me that, " We were unaware of any  XXXX  doctor charges as they were never disclosed by anyone to our office in your case. Nonetheless the time for the  XXXX  doctor of the collection agency to enforce this judgment, unless they have filed suit and we do not know about it, has expired. I checked the  XXXX   County  courts website under your last name and did not see any lawsuits with you listed as a party. '' I am have disputed it with   XXXX   plenty of times and it always comes back updated with an increase in the bill amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: OH
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 have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or experian it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it

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 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have a card my husband is an authorized user I can’t get them to report it to trans union or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX, Back in XXXX of XXXX I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Account opened : XXXX XXXX, XXXX ( 1 yrs, 4 mos ) Amount Due : {$580.00} Credit Limit : {$500.00} Credit Use : 117 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
We thought that we purchased a Honda XXXX on XX/XX/2019 at XXXX Honda in XXXX, Georgia. The financing in the amount of {$25000.00} was a college grad program through American Honda Finance Corp, with a monthly payment of {$400.00}. On XX/XX/19, we were asked to return to the dealership ( XXXX Honda  ) to pick up a covering for the trunk that allegedly had come in for the vehicle. When we arrived at the dealership, we were told that there was no trunk covering and that they just needed us to sign a new loan because American Honda Finance Corp had rejected the original loan. We refused to sign up for the new loan which had a different rate of interest and higher payment amount. Now we have the car and we do not have any license, tag or registration. We believe that it is fraud for the dealer and American Honda Finance Corp to send us home with the car on Saturday ( XX/XX/19 ), and then try to force us to accept new loan terms on Wednesday (XX/XX/19 ), and to be lured back to the dealership under false pretenses in their plot to perpetrate the fraud. 

We have contacted the dealership ( XXXX XXXX and XXXX XXXX, who have not provided any of the promised paperwork or responded to multiple emails ), American Honda Finance Corp ( they only handle payment issues ) and Honda Customer Service ( they only handle vehicle issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.

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 2021-04-14
Company: WELLS FARGO & COMPANY
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:
Bought lunch at local restaurant. Bill was small, total with tip was {$26.00} including tip, paid with Wells Fargo POS  ATM card. 
Two days later on XX/XX/2021, restaurant inputs {$10000.00}. Wells Fargo deducts funds from checking account, and hits savings account for difference as checking account balance was not sufficient for this charge. Checking account is now at XXXX. 

We call Wells Fargo to report and they begin a claim as " dispute resolution '' instead of fraud. 

We go to Wells Fargo local branch. Wells Fargo employee calls restaurant and report that charge will be reversed by the restaurant. We notify Wells Fargo staff that their ATM card agreement limits daily withdrawals to {$2500.00}. Wells Fargo publications also claim that accounts are monitored for unusual activity. We ask why a charge in excess of {$2500.00} was paid, they reply that " it sometimes happens ''. 

We request that Wells Fargo staff contact Visa who apparently is middleman in POS  transactions. They advise us to wait 2 to 10 days. to resolve!

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 monetary relief
Consumer complaint received 2021-09-22
Company: Square Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from a merchant, XXXX XXXX XXXX back on XX/XX/XXXX. The merchant never shipped my product and I have been trying to get a refund ever since! It is now XX/XX/XXXX and still no refund. The credit card processor Cash App closed the case and advised me to work with the merchant directly. The merchant is highly unprofessional and a thief! She admits to not shipping my product and claims to have issued s refund. The merchant is lying and did not issue my refund through the card network. I have contacted cash app numerous times and submitted proof of my interactions with this merchant. Cash app has not returned my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: MN
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 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ALLIED COLLECTION SERVICXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX(XXXX) XXXXThis company is not licensed in Florida. Cannot be on my credit report and needs to 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 2021-04-14
Company: Experian Information Solutions 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:
Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company 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 2017-12-29
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:
XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 believe my information might have got into the wrong hands and I do not recognize these inquiries on my file and would like these immediately 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 2022-02-17
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my XXXX XXXXXXXX XXXX XXXX ( loan # XXXX ) with another lender. The closing date was XX/XX/XXXX and the disbursement date was XX/XX/XXXX. Around the time of the refinance transaction, XXXX XXXX transferred servicing rights of this loan to Mr Cooper with the new loan number XXXX. Mr Cooper is now sending me statements for loan # XXXX. The funds ( {$340000.00} ) to close out the loan with XXXX Mortgage were wired to XXXX Mortgage on XX/XX/XXXX and the supporting documentation was previously submitted within a separate complaint ( XXXX ) .Mr Cooper has not allocated these funds to close out loan XXXX. I now am receiving monthly statements from Mr Cooper for a loan that should have been closed out and escrow funds returned to me by Mr Cooper. XXXX XXXX  has supplied the wiring information for the funds paid at closing being transferred to Mr Cooper. I have submitted this information to Mr Cooper and received no response. The wire info from Freedom Mortgage is here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the payoff wire sent to Freedom Mortgage. After review we have confirmed that we did receive the wire in the amount of {$340000.00} on XX/XX/XXXX. Effective XX/XX/XXXX your loan was service released to Mr. Cooper. Because of this, we wired the funds to Mr. Cooper on XX/XX/XXXX. The wire confirmation for this wire is below for your reference. You can provide this information to your current servicer Mr. Cooper so that they may track the status of the wire for you. XX/XX/XXXX Outgoing Money Transfer Transaction Ref. No. XXXX Fed XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX to Mr. Cooper IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX If you have questions XXXX XXXX feel free to contact us at ( XXXX ) XXXX Monday through XXXX XXXX to XXXX and XXXX XXXXXXXX to XXXX XXXX Time. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX I NEED MR COOPER TO CLOSE THIS LOAN AND RETURN MY ESCROW FUNDS BEFORE DAMAGE OCCURS TO MY CREDIT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to TransUnion on XXXX XXXX,2017 & again on XX/XX/XXXX requesting that they remove the XXXX inquiries from XXXX. I have attached the letter from XXXX. When I ran my report today X/X/2017 XXXX  inquiries still appear. I kindly ask that they remove these promptly and send me a follow up letter as such.

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 2022-02-17
Company: EQUIFAX, INC.
State: NC
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation