BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: SECURITY SERVICE FEDERAL CREDIT UNION
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 status incorrect

Complaint:
This was a car load with SECURITY SERVICE FCU in XXXX XXXX TX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home

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 2023-07-14
Company: EQUIFAX, INC.
State: CA
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 seen this account on my report i disputed it i sent all the requiring documents proof of address and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted a complaint about Navy Federal Credit Union not wanting to lower my interest rate or defer payments temporarily before. They relented until I submitted a complaint but have set terms that would cause me to default like making my payment due on a Sunday ( when nobody is working to collect payment ). They set shady terms that favor them and go against the consumber ( me ) to purposefully trigger a default or delinquency. The terms in the deferment state that my payment is due Sunday, but if payment is made early the lower interest rate they set will be canceled, and if the payment is made after the due date the card will be delinquent. These terms that they set are not conducive of honest dealing in caring for their customers nor fair. On the app they still have my interest rate at 17.99 % when it was supposed to be lowered to 3 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I would like to know whether Bank of America owes me any money as part of the recent fine levied against the bank for its fraudulent practices. I previously had a Bank of America checking 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
Consumer complaint received 2023-07-22
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from XXXX XXXX XXXX  dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX Bank, NA. 

I filed a complaint with CFPB against XXXX XXXX Bank, NA speratley.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: PNC Bank N.A.
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told ( and call was " recorded for quality and training purposes " ) when calling to make payment for XXXX that I didn't owe anything because I had paid ahead on the loan. Both automated and actual person owed {$00.00} for XX/XX/2023. I then found I was reported as delinquent for XXXX to credit agencies. I paid the {$17000.00} loan off in full in XXXX. But still shows I was delinquent in XXXX. I was not. Have had numerous calls, so many I have lost count, and also emails go completely unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 approximately at XXXX XXXX center time I begin receiving emails regarding withdrawals being made to my cash app account from a atm machine. I was at a concert in downtown XXXX at the time of the withdrawals and never went by any ATM to make any transactions on XX/XX/2023. Five each for XXXX XXXX withdrawals all totaled XXXX XXXX I believed somehow my card information was compromised allowing someone to duplicate a card. I called cash app service and immediately and reported the withdrawals along with filing disputes of the transactions. The following days I went to my local police department and filed a fraud report for the fraudulent transactions along with a federal fraud report that I was also instructed by the police officers to do. Cash app refuses to do any investigation into the illegal withdrawals simply stating that I must have used the card or authorized usage when I clearly have never given out my card for usage by anyone nor have I shared information in regards to my account info with anyone on purpose. Cash app refuse to release the funds to work or even review the police report filed and Ive sent various of forms of proof that I did not make these transactions and did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a hardship. I requested assistance with loan depot and was denied.I have not been modified. On XXXX I called and spoke to XXXX in loss mit. She confirmed my account has not been modified.I am a VA loan and a veteran. After everything I have done for my country I am being refused assistance. Furthermore, this lender is discriminating against me based on my race, national origin, and marital status. I am a qualified homeowner. I am holding down a job even though I should not be working. I have a letter from my Doctor stating that which I have attached. I am demanding that my foreclosure sale date be postponed and that the loan depot answer as to why I can'tbe modified. What is the " allowed '' number of months delinquent at the end of the trial period even mean. That is what loan depot is stating. See attached letter. What income did they even use for me??????????? Them failing to even state the income used for my review, on the denial letter makes me think this denial was based on inaccurate information. By refusing to disclose details about the modification process, Loan Depot is able to deny my request ( and whoever else 's ) without any accountability. The number of times my 3rd party had to even send in an authorization confirms my allegations. This bank enjoys to make things even harder for people who are already struggling. We had to reach out to the attorneys office and even they gave me and them a hard time. Emails are attached No one wants to do their job. They would rather sit there and collect a paycheck, unlike me who still works for a living even though I should not be. You can XXXX  me. I am work for XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Pursuant to section 169 of the Housing and Community Development Act of 1987, you may have the opportunity to receive counseling from various local agencies regarding the retention of your home. You may obtain a list of the HUD approved housing counseling agencies by calling the HUD nationwide toll free telephone at XXXX. 

I have reached out to HUD ( XXXX ) XXXX help and yet I still have a foreclosure sale date. I am also filing a complaint now regarding the discrimination I have encountered. 

Housing discrimination Based on race, color, national origin, religion, sex ( including gender identity and sexual orientation ), familial status, and disability. 
Fair Housing Initiatives Program organization. File a complaint : Online By phone : ( XXXX ) XXXX : XXXX Per the Equal Credit Opportunity Act Disclosure NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age I have been in and out of the hospital these last few months which is why I am sounding the alarm now. This should not be tolerated.There is no reason I should not be given the opportunity to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Regarding XXXX and XXXX Hi! 
I am writing to respond to Chase regarding the privacy breach concern. The time of the phone call with the representative was at XXXX until XXXX on XX/XX/. The representative on the Phone acknowledged that there was another customer on the line due to a glitch in the system. I called the Chase team immediately after to express my concern and the team increased security measures on my account as a result of the situation, thus acknowledging that another individual was on the line and had the potential to listen to my private information, putting my account at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NV
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
This is a fraudulent credit card that I have disputed before and it came back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX Wells Fargo started charging me interest on a card that was supposed to be XXXX % finance for the life of the card because they messed up the balance transfer. They refunded fees and interest charges and everything was fine for one month. Then they started charging fees and interest. Ive escalated the issues in the beginning of XXXX and still havent heard back. They do not return calls and no one can explain to be what the issue is. Theyve refunded some fees and interest and told me things were taken care of and then it went silent. They dont call when they say they will call. I e given them since XXXX to fix this. It has been 5 months. I want the interest refunded and the rate to 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 monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the following items that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been restricted without informing me. I was made aware once my debit card started to decline. My account is restricted to be used and I have no access to my funds that I use for eating, living, taking public transport. I went into my branch and was told they submit a request and I should have an update by EOD. I never heard from them so went to the branch and said theyre still awaiting an update and that I should get a call. 
This is my only form of access to money at the moment and has put in a very difficult situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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 noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is furnishing information from XXXX XXXX XXXX. In addition, Transunion LLC is involved in Racketeering Activity along with XXXXXXXX XXXX XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, XXXX. In addition to receiving proceeds derived from such XXXX XXXX. Convictions of XXXX XXXX  carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX  XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

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 2023-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX, I called them up to close my secured credit card due to hardship I was having with being out of work for so long. I was trying to protect my credit. Also because I already had way too many credit cards open. I requested that they also make sure that my security deposit gets moved over to the balance so it pays off the balance. They told me it can take up to XXXX to 60 days for the funds to get moved over which is absolutely false! Had many secured credit cards before and only takes a few minutes! I had an issue with this exact same issue with this bank before where they purposely did not move the funds over and the account with them not only was reported late, but got charged off! The exact same thing is happening again! They are not doing what the law requires them to do when you have a secured credit account! When you close the account, it is automatically supposed to be moved over to pay off the balance! That is what a secured credit account is there for. To pay off the balance once it is closed! They are purposely setting me up to fail! I did call them last week to do an investigation, but never heard anything back! I did tell them when I closed this account to make absolute sure these funds gets credited back to my account to pay off the balance. I am never doing business with this bank again! I want to file charges agains this bank for fraud! This is exactly what this is! This credit card is not even showing up on my profile anymore, and am blindsided to even know what my balance is! Think they are doing this on purpose!!! Cant pay this account even if I wanted to.Absolutely no information showing on this account to pay it! Only shows my old credit card number before it was changed with a XXXX balance. I received XXXX emails from the telling me im delinquent and must make a payment right away! They are not doing their jobs, and will only result in my credit report getting damaged again! I will sue the bank this time if this account causes any damages done to my credit report again because of carelessness!!! This is absolutely ILLEGAL!!! I know for a fact that I will have a case!!! Not ruining my credit I worked very hard for because they don't want to do their jobs and do the right thing!!! They should not be offering secured credit cards to customers, if they cant apply the funds to the customers accounts once closed! They do not have the right to just keep the money! That is fraud and theft!!! Also, there was a similar complaint filed with the CFPB a few years ago from the first issue I had with this bank for the exact same kind of issue!!! 
( Case # for the banks investigation which I never head back from. case # XXXX )

Company response to consumer: Closed with non-monetary relief