BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I have a helc line with Bank of America, at the beginning of XXXX Bank of America had problems with correct balances. I called in multiple times only to be told that they cant fix it until they correct their internal issues, since my checking balance has been corrected, however the home equity credit line has not. The balance on the mentioned helc account is Reflecting over {$4000.00} Above the balance that I owe. I have contacted the bank numerous times to correct their mistake, I have waited on hold for over 2 hours on multiple occasions and never contact a representative.

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 2022-10-09
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau/Equifax information services Llc XXXX Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6900.00} -This is not my 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 2020-12-25
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2020-12-25
Company: NCP Holdings, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a collection for the amount of {$1900.00}. This has been added to my credit report from NCP Finance. I dispute this collection because the account has been settled. I would like for NCP to provide me with a copy of the original contract between myself and and the original creditor with my signature. I would also like a full detailed accounting history on the account and the calculations on how they reached the amount due. I also would like proof of the date of the last payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX - Spoke with XXXX and setup payments of {$320.00} at the end of every month to get loan back on track ( recovering from layoff ). 

XXXX - Spoke with XXXX and was told that I needed to make a payment of {$1400.00} in order to keep the loans from default. I told her I would call back XXXX to make the payment. 

XXXX - Called and spoke with XXXX to make the loan payment of {$1400.00}. I was advised that the payment would need to be split into XXXX payments of {$970.00} and {$450.00} respectively. XXXX also advised me that it would be a good idea to move the date of the payment up a bit in case I had another emergency, that way I could contact them and workout some sort of arrangement before the end of the month to keep from being late again. I told her that I would consider it and call back if I wished to do so. 

XXXX - Received a call from XXXX stating that my loans were in default because the {$970.00} payment that I made on XXXX did not go through. I told him that they must have made a mistake because the funds were debited from my account on XXXX/XXXX/16. He said the he did not doubt me and asked me to email a copy of my bank statement to his supervisor XXXX XXXX. XXXX also stated that he would give me a call the next day after he heard back from XXXX. I emailed XXXX a statement a few minutes later after I got off the phone with XXXX. 

XXXX - Received a call from XXXX letting me know that my case had still not been resolved. Knowing that I had a scheduled payment at the end of the month I asked him if it would be affected at all by the current situation to which he replied " everything is fine. '' XXXX - I received a call at work letting me know that my loans had been defaulted because the XXXX payment came in late due to bank closure from the holiday ( meaning that the anybody who has an automatic payment setup at the end of the month is late ). Now my private loans with Navient are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent has put a collection on my credit report which is not mine. Also they never sent me a 30 day right to dispute, I just saw it on my report. The debt they put on my credit is for  XXXX , which is my ex husbands, who also passed away. We have been divorced f or 6+  years and the information they have on file is MY EX HUSBANDS BUT THEY HAVE MY SOCIAL. They wont speak to me or help me and THIS IS NOT MINE!!! They say it is his, but because my social is on there then I owe 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 2016-11-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I had a home security monitoring service from XXXX XXXX for my service. I sold my house in XXXX, NC in XXXX 2015. I had called and faxed the letter to XXXX requesting cancellation of service and stoppage of auto payment from my Wells Fargo checking account. Three months later I saw that XXXX continued to charge my checking account the monthly fee of {$36.00}. I called them again and asked about cancellation of payment and for refund of the over charge. The representative apologized and said that the previous person did not process the cancellation accurately and promised the refund. The auto payments finally stopped five months after the cancellation of service but the refund check never arrived. I had also lodged a complaint through XXXX XXXX page but they deleted my complaint. I am having to resort to this because it has been almost a year and without any resolution. XXXX even had the audacity to ask me for the contact information for the people who bought my house so that they could call them to sell their service. I had submitted a complaint through XXXX but XXXX refused to acknowledge their fault, despite the proof, and declined to provide the full refund. They are putting the blame on me because XXXX complaints and responses are public and instead of addressing the issue, they took the falsification of the facts route for face saving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax is requiring me to mail confidential documents to their headquarters to receive my credit report, but is not paying for my postage. So obtaining my credit report is NOT free as dictated by federal law. I would like to receive a free copy of my credit report that does not involve me spending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
hi my name is XXXX I do crypto and I was lucky enough to sell my nft for a whopping XXXX I went to the bank opened up a sunny trust account a month ago and bingo I wire transferred XXXX in to my suntrust. ( XXXX - suntrust ) I went to the teller same day asked for XXXX she gave me it no problem. I did went to a car dealership to buy a car in doing so I had to get a cashier check. The banker told me XXXX cant touch my funds bc it has to be verified. I said thats weird she gave me XXXX at the other bank. Then I was like okay Ill wait 1 day passes they close my account the bank hasnt sent me my check. XXXX check Ive waited months and months. Please Im only XXXX XXXX XXXX I didnt do anything wrong I have recipes prof and conversation with binance agents on my email as well stating that the funds are with the bank. The bank hasnt gave me any info I go to the branch in XXXX XXXX she tells me theres nothing I can do. Please help this has been a month. Im sleeping at friends house for the time being Ive lost thousands of dollar due to not having the funds to invest. I have a XXXX XXXX  Im XXXX. They have out me in the worst position ever. I have no idea what to do now.

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 2016-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After becoming more educated with my finances, I ran my credit report for the first time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX acount stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was schedulded to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a second request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, XXXX, and XXXX however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both Experian and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The second account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After 2 request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX these companies have caused me have effected XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
the date of debt place on my report is over 10 years 2006

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