BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
During XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX   runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # 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 2019-12-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I signed up with XXXX XXXX XXXX to clean up all of my credit card debt. XXXX 's was one of the cards that agreed to comply with them in XXXX of XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that the account had been paid in full. I received a statement from XXXX 's in XXXX of XXXX saying that I owed {$10.00}. I contacted them XX/XX/XXXX and XX/XX/XXXX and was told by a supervisor there was a balance of {$6.00}. I explained everything and she found here it had been received from XXXX XXXX XXXX . M
y credit report STILL shows that I have a {$9.00} balance from XXXX XXXX and it has been paid in full for over a year and the card has been closed for almost 4 years.

There are very confusing and evasive to talk to even about your own account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Issues : 1. Navy Federal Credit Union is not complying with my request for a 180 mortgage deferment. I made the request because I am experiencing financial hardship brought on by the COVID state of emergency. 

2. I was offered a 90 day foreberance and told once it expires I'll need to request another 90 day foreberance which will be reviewed by NFCU. When asked what the review process entails and what qualifies/disqualifies a person for a 90 day extension the customer service manager would not answer. 

3. NFCU would not commit to any terms or options at the end of the foreberance period to repair the loan. I was told by the customer service manager that we can not talk about those details until the foreberance period is near expiration. 

Date of call/s : XXXX XXXX, 2020, XXXX. 

Customer Service manager : 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 2015-06-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
For 3 years, I have disputed with GAP about the inaccuracy of my '' highest balance '' being reported to all XXXX credit bureaus as {$810.00}. The company made fee adjustments/credits to my account in 2011 which totaled {$810.00}, but the GAP account supervisors and internal credit reps are telling me that there 's nothing they can do about it even though they acknowledge the credits were indeed made on my account due to an error on their part when they failed to credit my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have been trying to obtain payoff information, including payoff amount and how to safely payoff a mortgage of over XXXX in full. I went to the website of the company, Loancare, in late XXXX and filled out their online form requesting a payoff as of XX/XX/XXXX. I received no acknowledgement. Although our intention had been to pay off the loan before the next payment was due, the inaction by Loancare resulted in our having to pay our monthly mortgage, and cost us over XXXX in interest. On XX/XX/2020, I submitted a second request for payoff information. The company responded that they needed a signed request. The online request system did not indicate that this was the case. I tried to call their " help '' line, and on the first day I left my number, but was not called back, so 2 days later, I called again and was put on " everlasting hold ''. On XX/XX/XXXX, I scanned a signed request to the online request system. I received a response indicating that I would have the information within 3 business days. I have yet to hear back. We contacted the company that originally processed our loan, and they provided us with a form that we filled out and signed to be sent to Loancare on XX/XX/XXXX. In the meantime, we have had to pay yet another mortgage payment, including over XXXX in interest. Again, I have yet to have received any acknowledgement from Loancare. Because Loancare appears to be on online company with no brick and mortar presence, we have no place to go to address this issue  face to face.

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 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX - I applied for a home mortgage at Bank of America, completed all the paperwork, and was told 'everything looks good by Sales Associate XXXX XXXX . 

XXXX XXXX - XXXX called to get my credit card number to charge {$470.00} for an appraisal. 

XXXX XXXX - XXXX called and told me the underwriter denied my loan because he 'did not FEEL ' my situation merited a short sale. ' ( Note : I was applying for a morgtage, not a short sale ). There was no further explanation. XXXX was very terse, not his usual business voice. I was too stunned to ask any questions, so I hung up. 

XXXX XXXX - I Faxed a letter of appeal to XXXX XXXX, Vice President and Sales Manager, asking for, among other things, an objective explanation in writing for the denial. He emailed me that he would send it to the manager of UW ( underwriter? ) department. 

On XXXX XXXX - I emailed XXXX to ask when would I receive my refund of {$470.00} for the property appraisal since the loan was denied and the property was not appraised. He emailed he would take care of it. 

XXXX XXXX - I called XXXX to find out who I should call to find the status of my Appeal Letter. I got his voice mail advising callers to call his associate, XXXX XXXX. I called XXXX and he said the files show my loan as PENDING, not denied. He said the underwriter was waiting for additional documents. I told XXXX I had emailed the said docs to XXXX on XXXX XXXX but would resend them. XXXX said I should hear something by Tuesday, XXXX XXXX. 

XXXX XXXX - Called XXXX and left a message ; Called XXXX and again asked status of loan/appeal. He said the loan had been CANCELLED and the underwriter said I had garnishments, foreclosures, bankruptcies late payments, etc. 

I had a short sale 2 1/2 years ago and XXXX XXXX discharged the loan because of a medical hardship. XXXX knew this at the beginning and thought it might be acceptable to the underwriter. In fact, he indicated a former underwriter in his department looked over my docs and thought my issues " merited a short sale, that things looked good. '' I have NEVER had a foreclosure, late payments, etc. If that was the case why did XXXX accept my application in the first place? 
I told XXXX that was absolutely NOT TRUE and if that was the case, why was n't that information on my credit report and how could I have a credit score of XXXX. He said he did not know, he was just the messenger and he would have XXXX call 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 monetary relief
Consumer complaint received 2019-12-13
Company: TCF NATIONAL BANK
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company is fully aware of my financial hardship & the situation that is directly responsible for it. I have tried several times to request help in regards to deferring payments but their rules do not that. They have also started spam calling my phone throughout the day despite the fact that I have requested an investigation into the discrepancies on my account. They are in direct violation of the Fair Debt Collection Act due to this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
Ordered online Furniture from XXXX XXXX XXXX and used XXXX credit for item on XXXX/XXXX/15. Account charged XXXX. Merchandise never delivered was told delivery company received it damaged. Have made over XXXX phone calls to XXXX since XXXX/XXXX/15 regarding where the order is. A second set was ordered on XXXX/XXXX/15, Arrived at delivery address on XXXX/XXXX/15 -- this set is damaged and in very poor quality condition. Cost with ship ing of this item exceeds {$1000.00} and now there are XXXX items on my charge XXXX credit, Synchrony Bank is delaying the process to remove the charges for these items, I still have damaged furniture which I in good faith have tried to remedy, this Company and Bank are not making me whole for the goods purchased and essentialy I was charged 2 months of interest for an item I did not receive at a 23 % finance charge, when I called to complain the XXXX time I was told I would need to produce proof that I paid interest on this item to have the full refund to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We went down that road before XX/XX/XXXX. CitiMortgage then placed a windstorm insurance onto my property, even though I had sufficient coverage. Only weeks after the first matter was finally corrected, or at least I thought it was, the same wrong accounting started again. Soon thereafter I received CitiMortgage 's threatening letters and automated phone calls. I took the time to communicate with the person on the other end of the phone line and have been assured several times that this matter had been solved. However, the problem still exists and the confusion about insurances CitiMortgage placed onto my property got even worse. I did have flood insurance with the XXXX XXXX but CitiMortgage appearantly tried to place additional insurances. When somebody recognized the error, I received a check for an overpay in escrow funds. In the meantime the wrong accounting started to place late fees onto my account because I did not submit the wrong amount and therefore their system, as explained to me by a processor, did not credit my account the amount I sent in. The amount I sent is exactly what the statement I attached called for. XX/XX/XXXX I talked to a supervisor who promised me personally that he would send me a detailed accounting statement. it never arrived and the wrong accounting escalated into it 's present stage. I can not get any response from CitiMortgage except automated phone calls and generic default packages. I sent a letter to CitiMortgage with the request to get a direct line to someone who had unlimited access to my account. Of course, no response. And that 's where we stand right now. It 's a shame how poorly business is conducted by a company of this size. XX/XX/XXXX I finally got a response from CitiMortgage but only after I contacted your agency. I would like to see the same outcome this time around and a detailed statement for my accountant to review. PS XXXX more cases similar to mine have been brought to my attention after sharing what happened to me. All in a small town. I wonder how many cases nationwide?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 at I sent certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that EXPERIAN used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. Out of 16 requests for verification of accounts. ZERO items were deleted. I requested for EXPERIAN to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. 
Furthermore, on XX/XX/2020 I sent a second certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. I received written communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. I received the same results as the previous EXPERIAN communication. FCRA requires EXPERIAN to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EXPERIAN received and used to verify the information being reported and maintained in my file. EXPERIAN must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ). I have requested the exact same information from XXXX and XXXX. They have deleted the items of dispute. How did Experian verify these accounts and disputes while XXXX  and XXXX  could not. I will be attaching letters of deletion to this complaint.

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 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.

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 2015-10-15
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received an email from Rushcard stating that they will be performing maintenance on XXXX XXXX, 2015 and I will not be able to access my account. As of today I still can not access my account and my paycheck was sent to Rushcard via direct deposit but my account still shows {$0.00}. No one will answer the phone and sent a message stating that the update failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a case XXXX with Wells Fargo. My checking account number is XXXX. On XX/XX/XXXX, Wells Fargo closed my account without any warning stating " fraudulent activity ''. Wells Fargo clearly mentioned that they will release the fund of {$7700.00} within 60 days if no one claims the money. FYI, Wells Fargo did not ask for any explanation from me. 

After 60 days, on XX/XX/XXXX, when I called Wells Fargo, they said they will NOT release any funds to me. They will not provide any explanation on whether any claims have been made or what happens afterward. They just froze that {$7700.00}. FYI, Wells Fargo did not ask for any explanation from me again. They did not release any information to me either. 

I filed a CFPB case XXXX. In response to that, Wells Fargo sent me an official letter saying wells Fargo ( WF ) will send me the money on/after XX/XX/XXXX. But, again when I called today to check, WF said they are NOT going to release any money to me. FYI, they did not ask for any explanation from me.

So far, communication has been one way. Whenever I tried to talk to WF for more information, they did not release any information. They did not ask for any explanation from my side either.

Please note that my account had some Zelle transactions due to a high school reunion event. As an organizer of the event, I am collecting these funds and booking the venue. If WF asked for an explanation, I could provide all the details. But, Wells Fargo took the opportunity and just took my money away. At this point, they are NOT offering any solution either.

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 2017-10-13
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
contacted citi bank about a email i got on XXXX XXXX email from XXXX and citi bank .Stating I HAVE FUNDS Aa over due payment USD XXXX CITIBANK. I SHOULD CONTACT Citibank contact CITIBANK XXXX XXXX sq. XXXX, Kentucky XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX web site www.citibank. com wanting my info end of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., dc XXXX XXXX, XXXX I called Citi bank number asked for fraud dept. They put me thru to a foreign country, they asked me for my dept card number they did not understand me. i ask to be transferred to a XXXX XXXX. Real bad could help me they me another number for fraud. This was the XXXX .THEY TOOK MY INFO .REF NUMBER XXXX XXXX said i should let you know. ps DOES ANYBODY CARE XXXX XXXX XXXX thanks

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 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the process of consolidating some items and my credit report was request. The lender indicated that Bank Of America was reporting payments late back about 7 years ago. I had the item researched with the credit bureaus and yet no one can give me valid proof as to when this account fell behind. I then turned my attentions to Bank of America directly with the hopes they would be able to send the information to me and they did not respond to the request. I would like to see the full history of this 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