BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: NAVY FEDERAL CREDIT UNION
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:
Some body run my credit with out my knowledge here is the date and company XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: COLLECTECH DIVERSIFIED, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CollecTech has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 


This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX XXXX XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not 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 2020-07-01
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would get a deposit or make one and I would get told by more than one representative that either I had pending charges already or they update at certain times of the night and would always be negative due to this. I have called several times and complained but was always told something different. Now my account is closed due to this and they let me go negative up to {$900.00}.

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 2020-10-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit card company, Capital One, has unilaterally decided to lower my credit limit because " during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$5000.00}. '' I have never missed a payment or done anything negative with this account. When the credit card company lowers your credit, they also lower your credit score. It is not fair that they offered me a higher credit limit and because I did not use their card as much as they would have liked, they are lowering the limit. They are not taking into account the higher cost of other credit that this will cost me because they have essentially lowered my credit score. I want them to restore my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: WI
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:
We have contacted both XXXX XXXX XXXX XXXX of XXXX, WI and they have assured us this has been resolved and would be removed from their records. It has never happened. We are trying to dispute this through Experian and Experian claims they can ever only once process a dispute. The last time was a year ago?

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 2020-11-20
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank does not allow adding most banks as external bank accounts on their site/app, as well as adding Chime as an external bank account on other banks platform or allow the other bank to validate Chime via trial deposits. 
Even when I am able to finally add ONE external bank on their site, it can not be used as the source account to transfer funds into Chime. Ridiculous!! 

Also, their mobile app provides the capability for mobile check deposits but they do not accept checks. Really? 

They do not have any kind of phone support. Not sure which part of the world their email support is outsourced to, but the reps have no knowledge of how their own bank operates and can not answer any question or address any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Consumer Adjustment Company Incorporated
State: DE
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 recently challenged the validity of XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX - XXXX ( Collection ) account and CONSUMER ADJUSTMENT CO ( Original Creditor :XX/XX/XXXXXXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: I.C. System, Inc.
State: PA
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 recently challenged the validity of XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, I.C. SYSTEM, INC ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX sent me - by name - a credit card offer promising XXXX bonus Skymiles and a {$50.00} statement credit if I spent over {$3000.00} in three months and bought a ticket on XXXX XXXX  website. I did all that, but no bonus and no credit. Why? When I called, they quickly told me it was because years ago I had a XXXX credit card. Really? Then why did they send me the bonus offer? Credit card companies should be obliged to honor the bonus offers they send out to individuals, if the basis for refusing the bonus was known to the company at the time they sent the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
Dated Fri, XX/XX/2020 addressed upon complaining with XXXX and XXXX stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information. 

My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with XXXX XXXX and XXXX XXXX XXXX 

I have a score that's is XXXX or above yet XXXX reports the score at the number ( s ) XXXX. 

My score is XXXX with TransUnion XXXX XXXX respective using the XXXXXXXX XXXX XXXX which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the XXXX denial XXXX ongoing hard even too recognize if understand problem. 

Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information. 

I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing XXXX XXXX XXXX purchase, and I have zero credit blemishes. 

There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by TransUnion and XXXX XXXX is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ). 

I think it's important that a bias does not have the beginnings of certain I'll will with TransUnion. 

I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ). 

I am not illegal or soliciting anything but there is a problems which is zero respect for me from TransUnion and I deserve to have a moderate amount of credit. 

Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect. 

Please help. I need as little as less than {$500.00} from XXXX and will sure is take what I can get. 

If a lawsuit may commence for discriminatory practices please let me know where to begin. 

THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : 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 explanation
Consumer complaint received 2020-10-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has charged me a {$10.00} fee on my loan. When I reached out to ask about the fee, I was told someone accessed my account online and authorized the fee. As this was very alarming, I called and spoke with XXXX with Mr. Cooper who told me that the fee was assessed after someone requested a payoff statement through their website on XX/XX/20. I explained to XXXX/Mr. Cooper that I had not requested a payoff statement and that no one else should have login access to my account. Therefore, someone fraudulently accessed my account via their website and a {$10.00} fee was assessed based on actions they took when accessing my account. I explained this to XXXX with Mr. Cooper and she refused to do anything about it. Mr. Cooper has yet to provide any documentation showing who incurred the fee, how it was incurred, why it was approved, and/or how someone accessed my account. 

Again, I have not taken or authorized any actions on my account that would incur any fees. Someone has fraudulently accessed my account and incurred fees on my behalf. I have tried to explain this to Mr. Cooper but they will do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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:
I've tried several times before to correct errors on my consumer credit report with the CRA and as of today to no avail.

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 2020-11-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a complaint with Wells Fargo and I have closed my account with Wells Fargo Home Mortgage. I am writing this to you because they have not refunded my overpayment. In the ensuing escalation of tickets entered by on the Home Mortgage Executive Offices, I have repeated called in and both ( while on hold ) and ( speaking to the Executive representative ) I have been advised the call is and will be recorded and in actual conversations ... that the conversation is being recorded ... .. The implied message is that there is no choice to this matter. ( no option to opt out ) The 5th call that occurred on Wednesday XX/XX/18 I spoke to a person at the Home Mortgage Executive Office and stated within my conversation with them..I also stated that they were being recorded as well. At that time the representative stated quite clearly " Wells Fargo does not consent to being recorded '' This is in direct opposition to all the recordings and statements being given to consumers. It is defacto bullying and intimidation being used with no option being mentioned to opt-out of being recorded ... ... ( which the representative clearly stated to me " Wells Fargo does not consent to being recorded '' to me. 

I am submitted a complaint this is violating customer rights to opt-out of conversations. My Mortage is closed with Wells Fargo and this corresponds to Mortgage Loan .. I want to make it clear that you must OPT_OUT of being recorded. This is completely unacceptable that Wells Fargo makes no mention of Opting out of being recorded. There must be an addendum or mini-miranda stated as well ... .that on all recoded and spoken communication of being recorded THAT YOU CAN OPT-OUT OR REFUSE CONSENT ... this is convenintly being left out of that recorded and spoken opening message .... I will be submitting this complaint to Attorney Generals Offices and to anyone regulatory agentcy I can find to copmplain to until this is changed. YOU HAVE A RIGHT TO OPT-OUT OR REFUSE BEING RECORDED AND WELLS FARGO MORTGAGE IS NOT TELLING YOU THIS

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 2023-01-28
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am writing because I and co signer XXXX  XXXX XXXX being XXXX  for a fraudulent loan with Exeter XXXX. They creditor is causing me less than equitable opportunity to dispute the agreement with has violated the XXXX as well as XXXX. I have filed for arbitration with XXXX  ( case number XXXX ) and have sent the company notice via certified mail. They are continuing to threaten my ability to obtain a job to survive and raise my family, which is threatening my housing and stability. Due to this unfair reporting that we have a balance owing that is currently in dispute and that payments are late. The vehicle is not in working condition as I demanded the pre sales inspection documents, none of the defects were listed. They include but are limited to collapsed motor mounts, PVC valves, etc.. which has further impacted my ability to perform in my independent business ventures. And seek employment, which I have been deemed ineligible due to this unauthorized use of my credit profile. I do not consent and was not given the Gramm-Leach Biley Act as I am just learning that I can decline this intrusive violation of my privacy. I was not given a recession document which is required by federal law. I was told that I was pre-approved for XXXX and when signing the retail agreement asked why there was an additional XXXX on the balance. I was told that it was a warranty, I asked " was this a condition of my approval since I was only offered XXXX '' the finance rep replied " yes, it is. '' I later found that he lied to us during finance transaction. I wrote the XXXX XXXX XXXX to complain. I was put on the phone with his superior in finance and he made light of this unlawful transaction and violation of my consumer rights. As he tried to explain the charges to me since I was unable to make an informed decision. We also gave a cash down payment on what was to be a credit transaction. We were not given a signed retail agreement at the time of transaction, it was unsigned and in an envelope. I had to write the XXXX  XXXX XXXX to get a copy a month later when I was reviewing the agreement again for more fraud. We both were also given XXXX denials letters from varies creditors, when I gave no permission or signed no XXXX form authorizes my XXXX to be given. Which is identity theft, we did not consent to this as we were told I was pre approved. I would like Exeter to remove themselves from the XXXX XXXX XXXX, as I have sought remedy through administrative process from this unfair and abusive agreement, the was unclear and falsely marketed. Due to this I have had my consumer right violated, by means of TILA, DTPA, FCRA. I want the title to the vehicle in my name and any POA given revoked. I have many more emails trying to work with dealership in finding clarity in the agreement as all I see is clear violations of my rights.

Company response to consumer: Closed with explanation