BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: NAVY FEDERAL CREDIT UNION
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 sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these Navy Federal credit union Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows Navy Federal credit union Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an amazing health insurance company, XXXX XXXX XXXX XXXX XXXX for the last 11 years, and got a wrong bill from XXXX XXXX  on XX/XX/2020 for XXXX when I called last year to see where this came from mybinsirance told me XXXX insurance was having this problem with a big amount of people in this country. But now I got a credit collection service letter for a debt collector. They are trying to collect a debt I DONT HAVE. AND I DONT OWE this is not fair at all. 
The account number is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-04-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX AUTO Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and CB/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ), and CB/XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking XXXX to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if XXXX can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.

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 2022-04-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have applied for the Victoria Secret Credit Card ( for the promotions as advertised on their website and in-store ) XXXX ( XXXX ) times over the past XXXXhree ( 3 ) months. Each time they claim that they will send a " letter in the mail in 10-14 days to give an explanation '' and each time I NEVER receive any communication or letter as stated. I have contacted Victoria Secret multiple times on XX/XX/2022 to see exactly what they need me to do ( as I have a credit freeze ). I was told that I needed to remove my credit freeze with XXXX and XXXX, ( which I did ) and reapply to get the same message. I believe at this time Victoria Secret has a fraudulent and/or deceptive process in processing applications. They do not seem to have a department that actually handles application and their customer service reps just repeat what's stated on their website " wait the 10-14 '' days and I expressed multiple times I NEVER receive any letter. This is ridiculous. Once again I miss out on their promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Mortgage & Wells Fargo Home Equity had bought my XXXX & XXXX mortgages with the purchase of Wachovia in XXXX. The XXXX mortgage was paid ahead 10 months as a result of extra principal payments from XXXX. In going thru a separation with my spouse XXXX Wells Fargo allowed her individually to change the paid ahead " buffer " to a principal reduction which changed the due date from XXXX XXXX, XXXX to XXXX XXXX, XXXX ( backwards & loosing 9 months ). The correction debited the paid ahead balance and credited the interest in an amount over {$40000.00} which the lender failed to correct on the XXXX mortgage interest reporting for that year ( attached ). 7 months later the loan was on the verge of default after my numerous attempts to correct this payment adjustment but was declined numerous times. I attempted a modification with the lender however Wells Fargo entered into a unilateral mortgage agreement with my former spouse only in early XXXX to payoff XXXX existing mortgages affected by the payment misapplication ( attached ). The lender had instructions and even printed my name to be signed on the mortgage documents ( attached ) however accepted my former spouse 's signature only without a divorce decree or quitclaim deed or court order as required by statute & XXXX rules. Wells Fargo then continued to report the loan under my credit bureaus for years thereafter and has as of this day never cancelled the paid off deeds of trust. The lender actually has denied access to loan information numerous times stating I am not a borrower, however continue to claim that I am the borrower and are using my property without consent. Years later in XXXX the lender finally removed credit reporting but in late XXXX it was discovered the lender had failed to cancel the paid off deeds of trust from the XXXX refinance with my former spouse ( only ). The erroneous credit reporting disqualified me for obtaining a mortgage during that time and the unreleased deeds have prevented me from obtaining credit as they continue to show an obligation. The bank has refused to correct numerous times and has violated not only Fair Credit Reporting act but XXXX, Truth in Lending, RESPA, Fair lending, XXXX rules, XXXX XXXX XXXX CFPB rules but have used my credentials and property without permission or court order to allow an individual ( former spouse ) to obtain an artificially low interest rate ( 1 % ) on a government subsidized mortgage while at the same time increasing living expenses and preventing further credit from being obtained ( identity theft ). Wells Fargo has also denied access to closing document information regarding title insurance name and contact.

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 2021-01-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021, I received a credit card from the furniture chain XXXX XXXX XXXX that I had not requested nor applied for. The card was issued by TD Bank, N.A., and came with a {$10000.00} credit limit. 

I called the card issuer to complain and cancel the account. I was referred to their fraud desk, where they did cancel the account ; they will be sending me a confirmation letter within 30 days. Conversation with the representative showed the account was opened on XX/XX/2021. I did not open this account either in person or online. 

Though the matter seems to have been solved to my satisfaction, I understand opening an account without authorization is illegal. I'd like to know how this could have happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-12
Company: SECURITY FINANCE CORP
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been dealing with Security Finance for sometime and I try to keep my account up to date as possible. They are not very understanding and they are disrespectful. Some things that happen in life you have no control over. They will not accept partial payments and constantly harass you. My circumstances have changed and I ca n't afford the $ XXXX monthly but they do not care and continue intimidate you.

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 2022-04-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with a Fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I been banking with wells Fargo bank for over a year.And my Attorney deposit a large amount of money in my account.My bank is try hold my check up.And i call wells fargo and told them my money suppose to draw interest 2 days after my attorney put the check in my account on friday the XXXX of XXXX.And XXXX the Supervisor said it dont drawing interest until the hold come off on the XXXX of XXXX and XXXX not true.And my lawyer bank verified the check for wells Fargo.I dont want to bank with them tgey are trying to steal some of my money and tgey are stealing from me when they told me my money dont draw interest until the XXXX when the hold comes off which is not true.They said the put the hold because of overdraft and i dont use check at all, i had to change my account number 2 times and wells Fargo said no one will go in my account and they 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 2015-07-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX -XXXX XXXX : account number XXXX XXXX XXXX  : account number XXXX -XXXX XXXX  XXXX XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,

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 2022-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, Fair collections XXXX  account # XXXX, XXXX XXXX serviced account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-05-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have small business accounts with XXXX. I received a letter dated XXXX XXXX, 2016 from the bank informing me that the XXXX accounts relating to my company will be closed effective XXXX XXXX, 2016. I have not been given any reason for closing these accounts. I contacted the branch and the number give on the letter to find out the reason why they had closed the account - all they said was that it was a " business '' decision and that there is a clause in the account opening agreement that give them the right to close the account unilaterally. This has caused immense business and personal stress to me as I am undergoing XXXX XXXX later this week and am just not in a position to do what is needed to open new accounts and to move the alignment of payment processing companies to the new account. Furthermore, I feel it 's gross unprofessional of these big banks to bully small businesses by taking unilateral actions without giving any reason for their action, as they have with me. My business and bank account management is 100 % compliant on all US and International regulations, and I would request CFPB to direct XXXX to allow me to continue to operate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
An agent that I spoke with accepted accepted my {$600.00} payment towards my capital One credit card and lifted all restrictions on spending and Next day the restrictions are back on and I'm not able to use my card I would like them to honor what the 1st agent told me when he lifted the restrictions

Company response to consumer: Closed with explanation