BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: SC
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 AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
This company has violate my consumer right multiple times i already have a complaint with them that they have not followed procedures they strated a disputed then removed the dispute without noticing me or anything i have asked for several corrects on inaccurate accounts. They have also had an item on my credit report already removed but they re inserted the account and acting like its and open collection but under the collection accounts in my credit file it say it is none but how they report the item as a negative collection.

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 2021-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX separate accounts in my credit report that are in debt collections and I never tried setting up any accounts nor have accounts with any of the companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A hard inquiry was made without my consent so I contacted the bank and the credit bureauo to find out why.the bank refused to advise me dispite verifying my identity. The credit bureau advised me to get a letter of deletion from the bank to take it off but the bank refused to provide that as well. XXXX redirected me to the credit bureaus and the credit bureaus did the same- redirected me to the bank

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 2022-07-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX XXXX has been initiating transfers between my checking accounts without my authorization in order to compensate for a negative {$50.00} balance. This balance has been that way for less than 30 days and am currently awaiting a deposit. I have overdraft protection which withdraws from savings. I contacted Navy Federal Credit Union on XX/XX/2022 at XXXX pst because they made the same transfer and notified them that was not authorized to refund the money back to its original checking account, they acknowledged the error and immediately corrected it. On XX/XX/2022 they again made another transfer between checking accounts without my consent. I contacted them on XX/XX/2022 at XXXX pst to correct this issue yet again. They said they have the right to move money around any XXXX of their members accounts in order to cure a negative balance whenever they want and that it was in their initial terms of service when I initially opened the account also that each member is bound by these terms when opening an account through XXXX XXXX. I then asked them to provide me the original terms of service for when I opened the account the representative responded with " I do not have the terms of service for when you opened the account, only the newest terms if you don't agree with the terms then move your finances to another banking institution ''. I then asked why yesterday the issue was acknowledged but now it is a complete change in story. XXXX the representative I was escalated to said he would have to investigate it then hung up the phone. This is a banking institution that handles the management of my funds and countless other members. An institution who is not telling their members that they are moving members funds without authorization of the account owners. The conversations were recorded by Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for the amount of {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company is not applying payment correctly then assessing late fee to the account. Then I have to call and ask them to apply the payment correctly and told it will take 5 business days to do a simple transaction of re-allocating the fund.

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 2018-01-23
Company: STANDARD MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Standard Mortgage Corporation XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, LA XXXX Original contact date was XXXX XXXX, XXXX to set up an arrangement to have house appraised to lift Private Mortgage Insurance should it appraise at a pre-determined amount. Early XX/XX/XXXX would have been the 2-year mark of ownership, allowing eligibility for the appraisal according to their terms. They said I was eligible for appraisal in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, 4 emails were sent and about 7 phone calls. All calls except for one were eventually routed to random voicemails, where several voicemails were left with no returns. One call on XX/XX/XXXX was received by Customer Service, whom routed me to an agent that again just landed on voicemail. 

Absolute and complete avoidance of me wanting to work on paying the needless, draining costs of PMI every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
This company has violate my consumer right multiple times i already have a complaint with them that they have not followed procedures they strated a disputed then removed the dispute without noticing me or anything i have asked for several corrects on inaccurate accounts. They have also had an item on my credit report already removed but they re inserted the account and acting like its and open collection but under the collection accounts in my credit file it say it is none but how they report the item as a negative collection.

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 2019-12-21
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I applied for a payday loan with Ameri cash loans. I was not informed of the interest rate this loan would have. I was also given the option of how much I wanted the loan to be. I agreed to take out the loan for {$800.00} and the rep allowed me too after sending over supporting documents such as : my 2 most recent pay statements, photo ID and signing contracts over the phone. According to the Illinois Department of Financial & Professional Regulation consumers should not be able to borrow 25 % of your gross monthly income. At the time my monthly income was XXXX was meant the maximum amount I should have been eligible for would have been {$720.00}. Because of this I feel this lender is guilty of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: BARCLAYS BANK DELAWARE
State: WI
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:
My Carnival Master Card has had fraudulently been used. I usually only use it XXXX For small purchases. In XXXX I received notice that over {$10000.00} had been charged against my card in XXXX XXXX an other places including car. 
Rentals. I contacted XXXX XXXX XXXX XXXX and informed them of the issue. They said they closed the account and sent a new card while the fraud was being investigated. I never received the new card and more charges were made. I contacted them again and informed them I never received the new card and more charges were being made. They sent a third card which I never activated and they allowed more charges. I contacted them again and informed them again and told them just to totally close the account in XX/XX/2022 and I destroyed the card I never activated. In XXXX I received a letter stating that I had authorized a car rental for over {$3500.00} I called them again and told them that I have never rented a car and did not authorize any rental and that the account was closed. They said that there were new charges in XXXX and I asked how they could allow charges to continually be made on an account that has been closed. They said they would report it as fraud. Now I received a bill in the mail from them telling me that I owe over {$29000.00}. They had issued me a fraud case # XXXX in XXXX and said this case would be cleared by XX/XX/XXXX. Please help me as I can not get this matter cleared up with them and my credit score has dropped from XXXX to the XXXX and I am not responsible for these charges. They are also charging me interest and late payment fees.

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 2020-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This account was opened fraudulently. I DID NOT OPEN THIS ACCOUNT. I ldid Not discover this until I used a visa card XXXX sent to me XXXX XXXX see attatched USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX, XXXX see attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL INSPECTOR USPS ( post office ) DELIVERIES NOT MADE. see attatched USAA DOCUMENTATION XXXX case XXXX Kindly Note ( CLEARLY NOT ORDERED FROM MY IP ADDRESS = means UNAUTHORIZED ). & ( CLEARLY NOT MY SHIPPING ADDRESS = means GOODS NOT DELIVERED INTO MY HANDS. ) see attatched Company Response to CFPB USAA XX/XX/XXXX HOLDING ME LIABLE FOR {$470.00} XX/XX/XXXX transactions. see attatched CREDIT CARD FRAUD CLAIM LETTER XX/XX/XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA HAS PROVIDED ZERO ** NO PERMANET CREDITS. see attatched the 5th work order results after 2 years. REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX. XXXX NO FRAUDULENT ACTIVITY FOUND ON THIS ACCOUNT. ( *** USAA REVERSED {$3000.00} CREDITS USAA NEVER PROVIDED XXXX USAA OPENS ACCOUNTS I DID NOT AUTHORIZE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
Chase continues to report to my credit report with all three major credit reporting agencies a credit card that began to go delinquent in XXXX 2008 ; this card is reporting with a negative payment status and is clearly past the 7 year reporting rule established by the Fair Credit Reporting Act ; I have disputed this account both with the credit reporting agencies and with Chase directly but Chase continues to report this account in error ; this reporting is damaging my credit and causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was unfairly treated for a possible Loan Modification or a Refi. by my Bank JP Morgan Chase. We have been unsuccessfully since 2011 trying to get this done with them to no prevail. I have documentation that shows a pattern of unprofessionalism with regards to obtaining either. Also I have experience a unwillingness to help in this matter from the bank. Only to have them try to Foreclose on my home twice now in the last 6 month 's. 
This experience has been very stressful and nerve wrecking. 
I have experienced all types of unprofessional persons form within the Chase Mortgage Realm that could be listed as border line Monsters. evil persons with no Business Ethics at all My documentation will show a pattern of this behavior with brings us too why we are here today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Other fee

Complaint:
I just found a charge on my credit card for {$60.00}. They say it is an annual fee that I have been paying since I opened the account- this is a scam. I had no idea and would never pay for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my payroll check into my Wells Fargo account on XXXX XXXX in an automated teller that I usually use. On Thursday XXXX when I went to use my debit it was declined. In calling the XXXX number Wells Fargo told us it was returned for insufficient funds. So I contacted my employer who went to the company bank ( XXXX ) and they said it was not returned for insufficient funds and gave her a copy of the processed check. I took my deposit slip, the information from XXXX and went to my local Wells Fargo. The manager was not in so I spoke with the lady in charge. She looked at the records and said " No it was n't returned for insufficient funds but Wells Fargo has put a hold on the money. '' But she could not tell me why. It is {$2500.00} my usual amount and we do n't owe Wells Fargo anything. No one at the bank can give us a reason or by what right they have to hold the money. It is a 7 day hold " while they investigate '' again no one can tell us WHAT they might be investigating???? And neither could the lady. We are awaiting her checking into a resolution but she warned we likely would have to wait the 7 days because " no one can over ride a hold ''. How are the allowed to treat people like this? We are ordinary people we pay our bills on time and we have no affiliations in or out of the US that should create any flags. As a result we have bills that can not be paid, groceries that can not be bought and tithe that can not be paid. My husband is retired so this is our primary income. 
It is important that others know the shady doings that are happening to Wells Fargo customers. This same thing happened last year to one of my husband 's friends who baneed with Wells Fargo and we thought he must have owed them or something. So it is NOT an accident and it should be investigated. If it has happened twice in our small circle of friends how many more people can it happen to?? 
I do have the deposit slip, the check print out from XXXX but do not want to send personal information electronically.

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 2015-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TCF NATIONAL BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
First of all, when I got this personal loan ( consolidation of debt ) through TCF Bank   they setup my home mortgage account as collateral ( as a back-up in case I didnt repay back this loan ). I have had this loan for 10 years already and the loan amount hasnt really gone down, hasnt even made a dent to what is the outstanding balance. To top it off on my statements it always states an 8.50 % interest but I think its actually higher ( this occurred when  in 2008 I was  unemployed and missed a couple of payments ), but this interest detail was never stated when I took out this loan. The representative at the bank misled me with this information. Apparently the interest was always suppose to stay the same and not go up. I have many times tried to refinance this loan, bu t TCF Ba nk has always been difficult in doing this for me, they have setup alot of roadblocks in refinancing my loan. They have always given me a hard time in releasing the loan subordination letter, trying to talk and communicate with them is like talking to the wall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citi is using a Robocall to answer complaint and giving a number that don't exist to call back.

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 2020-06-17
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX, XXXX Address : XXXX Fletchwood XXXX XXXX MD XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX  : XXXX  disclosure department, XXXX XXXX XXXX, XXXX, Ga XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To whom it may concern : I am writing to dispute the following information in my file : Account # : XXXX Open : XX/XX/XXXX Balance : XXXX High Balance XXXX Payment : XXXX Account Home Loan. 
Premises address : XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX  XXXX XXXX XXXX Account identifier District XXXX account number XXXX My then wife with the help of the women batter center in XXXX , Md file a file XXXX charge of XXXX against on the compliant file my XXXX XXXX XXXX . I was XXXX  and XXXX, I was order to never return are put one foot on the property are I would go the Jail. This was XX/XX/XXXX, on XX/XX/XXXX I was found not quite of all charges since they were made up away, but the damage had been done I had lost everything including my current job. I file a lawsuit against my employer for wrongful termination and won. All the creditors came after me filing garnishments and I was already paying back child support by garnishment. I had know other course but to filing a ChapteXXXX XXXX. Now by credit is suffering because of a lie five years later.

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