BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I did a credit transaction with nfcu and I got denied but I still received the inquire so everyone got paid except me which is a violation and improper use of open ended credit plan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened up a gym membership with the XXXX. I signed a two year contract therefore I was stuck. But I was told that we could break it if we payed a fee. I forget the amount, and because they had lied and deceived me I stopped paying the monthly payments. And now they sent my account to collections. This is n't even a credit card or an autoloan for it to affect me like this. They are undeserving of the payment because of the lying and shady practices they do. So I need this erased from my credit.

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 2017-04-27
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted  Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the  XXXX   XXXX  they are looking for.     Accounts are reporting as follows : CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX     XXXX  Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date o f 1 st De linquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00} CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date  of 1 st Del inquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00}

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 2021-10-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The online bank system at US Bank was changed some time ago and does not work properly or in a way that is easy for a customer to use. They now use the system as a way to make a profit by suggesting consumers pay a fee of {$14.00} to pay a bill by a certain date. They constantly have a waiting circle when going from one place to another on the website. About a year ago, they did have a system that seemed to work based on ease of use to the consumer. Now I think they have changed it as a way to purposely confuse consumers into paying fees to use their system. I can not see past payments I have made to particular billers in the bill section like I could in their bill pay system a year ago.

I believe companies including banks are using their websites to make a profit for themselves rather than simply helping consumers pay their bills with ease. This needs to be stopped and should not be tolerated. The online bill pay system for US Bank is purposely made for their own advantage, not for the customers. Instead of fixing the online system, they constantly ask for surveys from their customers even when they must already know this bill pay system is not working for the customers benefit.

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 2017-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a loan modification last year with my youngest daughter to Wells Fargo. They said we did not have enough income and denied us. I submitted for a loan modification with my oldest daughter. They insisted I had to use my youngest daughter also for qualifying even though I told them that my youngest daughter had not filed taxes and went through a divorce. They insisted. Now Wells Fargo says that we make too much money to qualify for a loan modification. My rate is at 5.625 I am on social security and over XXXX years old. I do n't want to move but they are forcing me to. I put a lot of money down on this home and they wo n't work me. They are not willing to lower my rate or modify my loan. Wells Fargo is taking advantage of me based on my age and not willing to work with me.

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 2021-10-19
Company: SYNCHRONY FINANCIAL
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Had a XXXX  person living with me who I had known for a number of years thought I can trust him at his word when he said he is using my automobile to go to work and back and is only a few minutes 5 or 6 miles from my residence he lied to me and said he is working 16 to 20 hours a day and stays overnite on the job at times every couple days had put perhaps several dollars in gasoline in my automobile so he can drive to and from his job he said was only a few minutes away from my residence onXXXX on the last nite he came in over several hours after he said it was his last day of work when I threatened to call police and report him and my car missing he finally brought the car back I seldom if ever use the credit card nor travel more than 4 or 5 miles from my residence I have XXXX and am home or in doctors offices more often than not he brought the car back totally wrecked never made a police report left me with {$1100.00} in damage to the car he trashed the entire interior of the car and had XXXX XXXX XXXX and alcohol bottles scattered all over interior of my car my credit card insurance information auto registration and automobile manuals were scattered all over the floor and front seat of my car he was very intoxicated so I just went in my car and and took back my gas credit card automobile manual insurance information etc out of the car he had trashed he was too drunk to pay attention to me I told him he will leave or I will call the police and you can report the accident he called friends/family and they had took him away gave nobody permission to use my gas credit card and either keep the gas card in my car or in my house or in my wallet if I plan to drive or go anywhere found out when I got a letter from the florida dept of transportation that he used my car to run all over the state of florida without my previous knowledge my automobile XXXX florida plate number had over {$120.00} in toll booth violations since my car was being used to travel all over the state of florida without my consent or knowledge

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 2016-09-30
Company: STERLING JEWELERS, INC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, 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:
Dear CFPB For the las t three months , I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau continues to state that they have verified the debt. Let this be a formal complaint against Equifax. The following accounts are the items the credit bureau has refused to investigate correctly. Also, I would like to add that the other  XXXX  major credit bureau s (  XXXX  and  XXXX  ) are reporti ng accurate and correct information about this account.      1.    XXXX    XXXX  Credit Card. Available balance and Credit limit are reported incorrectly.   2.  XXXX   XXXX   XXXX   (    XXXX   XXXX   ) I re quested to Equifax and the creditor listed on the report, several times, for proof that this account belongs to me. As of today, neither party has provided me any contract or any documents that proof that I am the owner of this account. I also notice inconsistencies with their last payment date since it is noted as  XX/XX/2017    on my credit report. I do not recall having any account with this company (  XXXX   ) I a m attaching a copy of my credit report by Equifax as of  X/XX/17    and also I am attaching my credit card last  XXXX  statements.     I thank you in advance for your assistance on this matter.        XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ACS Education Services
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 have made multiple complaints with  XXXX  for verifying my accounts with ACS/  XXXX   XXXX  . There ar e 3 accounts that are currently being reported past the seven year period of the original date o f delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /  XXXX   by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My auto rates are rather high, and believe old reports like tickets etc have affected my rates, and feel reports may continue to contain old information and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: NY
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 just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on the XXXX of XXXX the credit card company ( Aspire ) they said it takes two days to apply the payment and was pulled out of my account on the XXXX and today is the XXXX. Everyday I call they tell me it will be available the next day and the next day arrives and its not available and they keep giving me the run around and not releasing my funds. They keep repeating the same thing over and over without releasing my funds that I paid on the XXXXThey wont even call my bank to verify the funds have been withdrawn when it clearly has been. Im not sure what they are doing with my money but something doesnt seem right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Credit Plus Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!

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 2021-10-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2021, HSBC advertised a {$450.00} welcome bonus for checking accounts opened. Terms were {$5000.00} direct deposited in first 3 months after account opened. The ads have since been changed to say " {$5000.00} per month '', and they are not honoring the bonus. 

I have contacted the company twice regarding this and they are pointing me to the NEW ads ( that say {$5000.00} monthly deposited ) which have been changed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
" XXXX '' called regarding a " personal matter '' and asked for the last XXXX digits of my SSN. I refused to provide that information, and ask what the nature of the call was. She refused to tell me, and said " you must know '' or something to that effect. I told her I had no idea. I did know it is a debt collector, but I do not know for what debt. I would like to settle my debts, but I do not provide SSN information over the phone from people using their first names only and calling to discuss " a personal matter ''. 

She knew it was me because she must have caller ID and addressed me by name when I called. She refused to identify what the nature of the call was, which I did figure out. She refused to tell me anything without having the last XXXX digits of my SSN. She said something to the effect that " I should know what this is about ''. No, I can not read minds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ive sent several letters to bureau and companies itself through cfpb and no resolution.

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 2021-10-20
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Its been over 3 month Ive been requesting paperwork so I can come off the forbearance plan I did not receive anything so far and everything I call the always keep putting me on hold for 2-3hours

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 2021-10-20
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
i contacted navient that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for XXXX XXXX, i requested the original promissory note from navient which they were never able to provide the original, they sent me a copy that looked doctored,

Company response to consumer: Closed with explanation