BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX 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 2015-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT.I HAVE NO IDEA HOW THE ACCOUNT GOT ON MY CREDIT AND I WOULD APPRECIATE IT IF YOU COULD PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. 
I HAVE A LOT OF THINGS I WOULD LOVE TO ACCOMPLISH AND BECAUSE MY CREDIT IS IN SUCH A HORRIBLE STATE, THERE IS NOTHING MUCH I CAN DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX   XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.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 2020-04-15
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:
for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.

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 2020-04-15
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:
for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent money using Western Union to my stepson in XXXX. ( My tracking number ( XXXX ) is : XXXX Transaction Date : XXXX XXXX, 2015 XXXX ET ) The money was a direct transfer from my bank account to my stepsons bank at XXXX. 
After calling Western Union on XXXX the lied an told me that my bank will not release the funds for 5 days but in fact the money was Debited on XXXX and posted on XXXX/XXXXMy stepson is not able to get the money even after calling western union as instructed when I did the transfer. They told him that I needed to call western union before he could get the money. When I called thats when the lied about my bank holding the money for 5 days. This is clearly a kiting scheme by Western union to hold all money transfer funds so they can make more money using customers xash

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Phoenix Financial Services LLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call at XXXX XXXX XXXX time from Phoenix Financial. Though they are in XXXX, they confirmed my address as in XXXX, so they were aware they were calling before XXXX. I missed their phone call, and called it back where a gentleman stated his name and the XXXX XXXX, Phoenix Financial. He then demanded to know my son 's date of birth. I was extremely taken aback because my son and I have both been victims of abuse and stalking, and ironically, my son 's name is XXXX. When I diverted the question of my son 's birth date, I immediately was asked very sarcastically " Oh, you do n't know your son 's birth date? '' I said I was not required to give it to him, and I did n't feel comfortable divulging that information. I quickly reminded him that I returned the phone call, so I did n't feel I was being evasive. He again answered with a rude and sarcastic tone saying " Oh, you returned my phone call? Well maybe I should send you some cookies. '' I was so shocked I hung up and called immediately back for a supervisor. She said she would take care of it, but I still wanted to make a note of it. Our protective order and stalking injunction is available if you need to see it or my telephone call records.

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 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed the bankruptcy on my credit report at XXXX on XX/XX/XXXX and on XX/XX/XXXX before XXXX it came back as verified. I called on XX/XX/XXXX to understand 1. how it was verified in less than 12 hours, and 2. Whom they verified the event with. They continue to state that they verified it with XXXX. I have been in contact with XXXX for months and they Did not have a bankruptcy on my file in XX/XX/XXXX or XX/XX/XXXX ; therefore, for Transunion to state that they investigated with the data furnisher XXXX and the data furnisher confirmed it was accurate is a blatant lie. The representative told me that I need to call XXXX XXXX and have them call Transunion or I need to have the court call XXXX. I have already contacted the court and they did not provide this data, and I have already called XXXX and got an updated consumer report and they did not furnish this information either. Why is Transunion allowed to just flat out lie?

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 2020-09-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Comenity bank is attempting to collect an apparent debt owed on a XXXX credit card for an item purchased in XX/XX/XXXX of XXXX. The item was purchased on a 12 month deferred interest payment plan. The item was payed off in full in XX/XX/XXXX of XXXX, in advance of the deadline. 

Here is a list of payments and dates : Initial total : {$3200.00} Purchase date : XXXX XX/XX/XXXX XX/XX/XXXX : {$610.00} XXXX XX/XX/XXXX : {$850.00} XXXX XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$400.00} XXXX XX/XX/XXXX : {$580.00} I received my first debt notification by phone on XXXX XXXX, XXXX. Prior to this date, I received no written notices by mail, phone, or email.The alleged amount of debt is {$1000.00}, consisting of a late fee and interest accrued over the 5 month period between my final payment and their first contact by phone. 

I sent a debt verification letter by certified mail on XXXX XX/XX/XXXX. 
Comenity sent a response that they would perform an internal investigation on XXXX XX/XX/XXXX. My requests within the debt verification letter were not addressed. 
Comenity sent a second response on XXXX XX/XX/XXXX concluding that the debt was valid. There was no debt verification information attached. None of my requests from my initial letter were addressed. 

Comenity has failed to provide me a itemized breakdown of the charges, as well as a copy of my initial signed contract regarding the sale of this item despite my written request. 
I am requesting that Comenity fully respond to each of the requests within my debt verification request letter within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: CO
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 filed a dispute requesting the removal of this item on my report due to the original creditor XXXX XXXXXXXX XXXX ) refusing to accept payment for the charged-off amount of {$280.00} and reflect a PAID status. The investigation results returned VERIFIED. My credit is continuing to be damaged despite good faith efforts to resolve the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX i went online and paid my title loan off. I called and confirmed it was paid and inquired when my title would be mailed. So moving ahead 2 days i. Checked my account and XXXX dollars was gone. i immediatly called and the i went to the XXXX store on XXXX XXXX and they passed blame to the collection agency. But i never spoke to the collection agency my title was not in jeopardy. So how did thy get my information? Next i spoke with the collection agency and they said my i fo was on file and was authorized as auto pay. No. i just got that card a week ago and used to pay that bill.i told them that was my money for the next two weeks and I want a refund. And were going through this PANDEMIC and you just taking money out of peoples account without authorization, without a courtesy call or letter. They had the nerve to offer me a loan. REALLY. Its not right Landlords cant evict you, Electric companies are not turning off people lights but they can take my money. Now of all times. I dont know how im going to make it the next two weeks. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX XXXX. after I recontacted them, was told it is D2Management 2 ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : D2 Management LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I do not owe any past due bills. Why do they keep calling me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: Patient Accounting Service Center
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Phoenix Financial Services LLC
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my benefits goes to to this bank every first and third of each month and the problem ( s ) that i am having with this bank is that before i never had a problem with checking my balance in my account but now i am being sent to a 1800 number and i never had a problem checking my balance with the other people that works for this company now i have to go through a lot of red tape before i can get the information that i need for my account. and this is not the first time that i had problems with this bank. i wanted to get a secured credit card and was declined one and i had the requirements in the amount of {$300.00} dollars and when i told the lady that what ever i use out that {$300.00} dollars and to draft it out of my account to bring it back into good standing. so when she after 30 to 45 being up in this bank and i told her that she had put something in her computer that i don ; t qualify for one. like i said this has not been the first time i had with this bank. i even had a banker to tell he was not the one. and i have even spoke with his supervisor like i spoke to a supervisor about the employee that about the problem ( s ) i am having now. if she was not lying why was i hung up on? and why was i not informed about that i would have to call a 1800 number to check my balance and things about my online banking? and why i was not informed about things that should have been told about the things and the changes that was made? and why i did not qualify for credit card?

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 2015-12-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I believe Chase bank is in violation of the legal tender act by failing to exchange legal U.S. tender for smaller denominations of legal U.S. tender without having an account with them. 

On XX/XX/2015, at approximately noon, I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true, this means that people without bank accounts will now be out of luck when it comes time to do laundry. No quarters for the poor? Sounds illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with Wells fargo and most often its been great. We have had a nice banking relationship. I am a business owner, and in trying to explain the issues that XXXX has brought upon my business, they didnt agree with my timeline, and hence my account is in collections with legal. I made a payment that didnt go through as my business has functions in XXXX. Now that coronavirus has been named, all companies are being given assistance on current bills, but my issues stemmed bAck in XXXX so unfortunately, they wont extend to me the same benefits current business are getting. I was paying monthly before this, so Im just wanting to have the card reopened and be able to pay my balance as i really enjoyed my relationship with the bank. I simply was affected back when XXXX XXXX XXXX happened, and workers began to move and leave. Ive now been given funds from the SBA XXXX  get things back on track, but wasnt able to when i called. I dont want to have this on my report as non paying as my business was affected by XXXX. XXXX XXXX XXXX, in California

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.

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