BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a credit freeze on my account with Equifax and failed to do so. There automated system wouldn't work. I dialed XXXX and tried 4 times. Failed every time. I called XXXX and spoke to a person. I gave them Name, address, social security number, date of birth, and they kept asking questions about past loans. I've paid everything off and have no debt. I can't remember all my past loans to tell them. They were very frustrating. I asked to speak to a manager and got the same results. Her name was XXXX. She would not give a last name. I was unable to place a freeze on my credit with Equifax, I called XXXX  and XXXX and had no problem. I gave their automated systems much less information and successfully placed a credit freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I was experiencing a hardship. I call Comenity/XXXX  and made them aware and asked them what was it that I can do to save my account. They then put me on a program where I would pay a lower amount but I would still make my payments. As long as I made my payments one time they recorded it every month, but they reported to the credit bureaus that I never made a payment for 10 consecutive months when they sent me a letter stating that I fulfilled the program successfully. They refuse to update my report to show that I made my payment on time and for this my credit is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BARCLAYS BANK DELAWARE
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:
Multiple unauthorized inquiries on being reported on my credit 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 2020-06-15
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble getting my mortgage company to pay the correct real estate tax bill On XXXX, the mortgage company paid a tax bill for {$8100.00}. I am not sure what they paid but that it is not the taxes for the property in question. 

The taxes for this property are only {$4100.00} https : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/balance I contact them on XX/XX/XXXX, XXXX and again today XX/XX/XXXX. They are ignoring these requests They have now increased my mortgage payment from {$1500.00} to {$2400.00} to cover the escrow shortage, but again, they haven't even paid the right bill.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I received a letter from PenFed Credit Union stating they were increasing my interest rate on my loan to approximately 14 % because of " your failure to provide a title for the collateral ''. 

The loan with PenFed was a refinanced auto loan where they paid off my loan with XXXX XXXX. I called PenFed and told them I didn't have the title, but would contact XXXX XXXX to see where it was and that in all my years financing cars, I had never had to chase down a title. They told me they would hold off on increasing my interest rate for 60 days while I chased down the title with XXXX XXXX. ( Spoke to XXXX ). 

I contacted XXXX XXXX who stated that the title was sent out in XXXX, 2020 to PenFed. When I called PenFed back, I got a new customer service person who told me that all they needed from me was a XXXX copy of my drivers license. I told them I had uploaded that to them months ago ... the operator ( XXXX operator ID XXXX ) was very helpful and pulled up my on-line submissions and found my drivers license. He told me he and his supervisor had put a high important email to collateral that they already had my drivers license on file and that it would be resolved with collateral. He also stated that they will contact XXXX XXXX XXXX XXXX if there was anything further that they needed on the actual title, but I didn't need to worry about it. 

My compliant is in regards to a bank being able to increase an interest rate on a collateralized loan when all they needed was a copy of my drivers license? Especially when they had an uploaded copy of my drivers license in XXXX, 2020. 

Their failure to review a document that clearly showed received in their system would have caused my auto loan payment to jump from {$430.00} per month to {$550.00} per month for their error. They provided no explanation to me as to why they needed a copy of my color drivers license and if that was a requirement of obtaining a new loan from them, why didn't they require it prior to giving me the auto loan in the first place?

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 2023-06-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I bought a XXXX  XXXX XXXX it got totaled out and navy federal gap protection stated it would pay up to 150 % of the vehicle price if they would have done it my loan would have been cleared. They did not honor the gap they stole money out of my checking account to pay for the vehicle after it was a total loss, causing my accounts to become over drawn, they unjustly closed my credit card which all payments where on time and up to date and demanded i continue to pay if they done the same thing stole money from my account cause overdraft fees. Then they took the vehicle loan and turned it into an unsecured loan and charged that loan off destroying my credit not just with them but all credit bureaus. Each time I have an account with Navy federal there always seem to be outrageous overdraft fees on all my checking accounts because of some shady business practices the company uses. They target service member and veterans alike to join there company and then use corrupt business practices go over charge, and create undo debt on their members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Around XXXX18. I had applied for an installment loan with Wells Fargo Bank. My application was denied and there was very little basis to their decision. My partner who has a lower credit score and makes half as much money as I do was approved and I was denied. I then had to call to verify some information with them and then was informed that I did not qualify because of the purpose of my loan. What I am going to do with my money is MY BUSINESS. I felt that I was being discriminated against based off of race and other reasons.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent XXXX an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2022-02-01
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 have been so patient with TransUnion but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I would like to inform you that I continue to dispute the current status of the loan ( status=charged off ). On XX/XX/XXXX I disputed the status and the 3 month delinquency that was incorrectly reported to the credit bureaus, through XXXX. Ally Financial corrected the inaccurate delinquent payments it reported. Unfortunately I still do not agree and believe Ally financial had no legal right to charge of the loan. Letter dated XX/XX/XXXX from Ally was to inform me the loan was now charged off due to missed payments this information is incorrect furthermore Ive continued to make the monthly payments. Ally had no legal right to charge off the loan. They failed to conduct a reasonable investigation when verbally requested on XX/XX/XXXX with XXXX whom I was transferred to by another representative from Ally 's total loss department after contacting them at XXXX and assured me they would allow 30 days to attempt to resolve the pending GAP claim prior to charging off the loan ( documents have been included to show proof ) they provided inaccurate information about me to the credit bureaus and used fraudulent information in taking action to do so. My concern is that the lack of communication between departments or properly documenting pertinent information to be easily accessed among the different departments is resulting with substantial harm and inconvenience to its customers. 

Ally financial has violated provisions of federal Fair Credit Reporting laws by failing to provide accurate information reported to credit bureaus. 

On my last communication with Ally Financials Asset Recovery Departments on XX/XX/XXXX XXXX I was told by XXXX that the reason the loan was charged off was due to the deficiency balance after my Insurance company attempted to pay off the auto loan for payment amount Ally received and processed on XX/XX/XXXX if the details of that statement were accurate? why wasnt the loan charged off as of XX/XX/XXXX Instead Ally verbally confirmed the loan was charged off on XX/XX/XXXX. As I have not violated the terms of the loan agreement and the loan has never been in default why was the loan charged off?

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 2020-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPF associates, In XXXX, I agreed to Credit Protector insurance for one of my XXXX credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  disorder that I was unable to manage. In XXXX, I had to stop working and applied for XXXX XXXX XXXX. I continued to pay all of my debts as usual. My wife reminded me about the XXXX acct. with the Credit Protector and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from Credit Protector that the job loss benefit was accepted and implemented. A few months after, I notified Credit Protector that I received a fully favorable XXXX XXXX XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their Credit Protector XXXX XXXX XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from Credit Protector stating that they accepted my XXXX XXXX  XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ). XX/XX/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 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For the past week, Capital One customers including me have been unable to redeem rewards on mile transfers ( transferring miles to partner airlines and hotels ). Here are a couple articles documenting it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Capital One refuses to give any timeline on when this will be fixed. The only reason I signed up for Capital One XXXX XXXX was because of the rewards transfer partners. It is very frustrating that the company will not give us a timeline on when issue will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: MS
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:
THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-07-22
Company: Navient Solutions, LLC.
State: MD
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 have reached out to the department of Education and Navient to removed these items from my credit report last week and today XX/XX/2019. I even reached out to the credit report to get them removed XX/XX/2019. The issue is that my student loans are now with XXXX XXXX a collection ageny that I make monthly payments to.

Company response to consumer: Closed with explanation