BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. They failed me!! I tried contacting both NAVY FCU AND ALL THREE BUREAUS with no successful resolution. There was definitely an error on their part. You guys are reporting late payments DIFFERENTLY FOR EVERY month for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! You have 120 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX and XXXX  and you have 150 days late FOR THE SAME MONTH! Well, which one is it? I was never 120 days late XX/XX/XXXX! You have 60 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 90 days late for the SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 60 days late FOR THE SAME MONTH! Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX  and you have 30 days late FOR THE SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have on time. Well, which one is it? You have me on time XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 30 days late for THE SAME MONTH!! Well, which one is it? THIS NEEDS TO BE REMOVED IMMEDIATELY because you have failed to report accurate information and by the FCRA YOU ARE REQUIRED TO DO SO!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a Mortgage with Wells Fargo XXXX an interest rate of XXXX XXXX. Our mortgage originated in XXXX  Over the years as interest rates declined we contacted Wells Fargo to refinance at a lower rate. Each time we were told XXXX need to bring a considerable amount of money to closing & that it would on be financially beneficial.

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 2021-07-27
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called all of my credit card companies including this one, to let them know of a financial hardship that myself and my XXXX son are going through as a result of the XXXX pandemic and directly related to positive results that we had earlier in the year which lead to loss of income I asked about credit protection program or for parents programs that they offered due to Covid pandemic and that was told that they have no options to offer me for our situation when Im a XXXX XXXX that has been unemployed as a result of XXXX starting from XX/XX/2021. Other credit card companies were at least one offer off the credit program that they didnt. All of my creditors including my credit card companies were notified of my hardship and financial situation even before my job loss that occurred on XX/XX/XXXX and also after. There should be no missed payment reported on my credit report after XX/XX/2021 From any creditor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: TD BANK US HOLDING COMPANY
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. An account was established in my name, fraudulently, with Toyota Financial. 

I have filed a police report with XXXX Police Department reporting this crime. 

I have notified the company multiple times about this, but as of today, they failed to conduct a thorough investigation and are still reporting this fraudulent account on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'd previously written to the creditor asking for specific documentation which if they could not provide they should stop reporting the debt. As you can see from the attached letter and the screenshot of my credit monitoring report the account was deleted. Then without any notification or explanation as to why Experian reinserted the 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 non-monetary relief
Consumer complaint received 2015-08-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE INCLUDED THE POLICE REPORT AS WELL. THIS IS THE FOURTH TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After formal letters and calls to the three credit reporting agencies of XXXX XXXX and Transunion they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

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 2015-10-14
Company: Empowerment Ventures, LLC
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Rushcard prepaid services and on Monday they went through a system update which left me with not being able to use my car for XXXX - XXXX hours while the update was taking place now the update is over and I still can not access my account I can not get in contact with anybody and customer service all my money is in my bank account I can transfer funds I ca n't deduct my money from the atm I 'm not able to do anything my direct deposit goes in tomorrow which is XXXX XXXX I need to pay my car payment and I need gas I need food on the table

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: TCF NATIONAL BANK
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: TX
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:
After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: TX
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:
After formal letters and calls to the three credit reporting agencies of Experian, XXXX and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management 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 2021-07-27
Company: USCB, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per the XXXX  report it claims on XX/XX/2020 I went to XXXX and was treated and was billed XXXX. 

This is simply not true. I did not go to the hospital at all during the pandemic. 

This is not the first time they have tried to put something on my credit report. Just this past XXXX I dispute it a {$300.00} charge that they claimed was mine from XX/XX/2020. When I disputed it, it was ruled that it was not true and taken off my report. 

I try to do the same thing for this one however they are telling me it is true and I know it is not. I feel that I am a victim of either discrimination or identity theft because this is not the first time this company USCB has tried to claim that I owe them. 

You can look at my credit report and see that I am a credible person and pay my debts to who is owed. It is very frustrating when every month I have to dispute a false charge. I feel I am being targeted at this point. 

Please advise, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted all required information that was asked for by the website and then something poped up asking questions from one of the credit bureaus to verify my identity and i answered all questions correctly and to the best of my knowledge and it denied me because it could not verify my identity. I have already reported identity theft to the Federal Trade Commission. Please contact me as soon as possible.

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 2021-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
unauthorized use of 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 2020-03-29
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid account in full all payments on time on the requested due date per invoice. Company placed the end of promotion date just 2 days earlier. We were entraped by fine print. Called to settle within 3 days. No concession over a 2 day miss on the final payment. Company demands interest on the total amount day one. Offered to split it. No Offered to wire the invoice NO All other banks and CC cards we deal with have the due date and promotion date match avoiding this entrapment. Every company I have ever had to call about a rare mistake overlooked the small amount when offered a wire transfer or mediate resolution. Watch out for these sharks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sick with XXXX XXXX  XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Fraudulent notifications about recently missed and late payments. This claim is part of claim # XXXX-XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my husband and I were made victim to a real estate closing transaction scam in which we wired roughly {$150000.00} to a title company imposter. We captured the scam within 1.5 hours and reported it to our local Chase bank branch in person. The bank was able to restrict and subsequently close the recipient account due to fraud ( the wire was made to another Chase account ). The bank has evidence of other fraudulent wire activity on the aforementioned account which ultimately led to the account restriction and escalation to closure. We were given a phone number to call to check on the progress of the recall/recovery request as the funds were still in the recipient account upon closure. Thankfully the scammer did not act quickly enough to make a withdraw or transfer. We were told via phone by Chases fraud department that we would be mailed an affidavit to sign and have stamped by a notary. The affidavit was apparently sent via USPS with an expected delivery date of 5-7 business days. As of XX/XX/XXXX, we still had not received the affidavit. That afternoon we called the Chase fraud number again and spoke with a representative who informed us that our claim was closed with no recovery on XX/XX/XXXX. The representative on the phone could not answer why we were not notified of the claim closure or provide any details regarding the decision other than it was not considered fraud. We were then directed to the wire research team who is not currently taking calls and that we can message them via direct chat, secure message, or we can go to the bank and a banker can reach out to them directly. There are no obvious options to reach the wire research team online so we went directly to the bank branch we had been working with. The bank branch was equally perplexed as to why our claim was canceled and indicated we were expected to receive the recovered funds in 24-48 hours from the morning of XX/XX/XXXX. 48 hours lapsed and we still do not have the recovered funds. 

The lack of communication between the bank branch, their back-end teams, and with us is astounding. It is an endless circle of phone calls to support lines that go nowhere. Not a single person involved seems to 100 % understand what is going on with our money- which to my knowledge, is still sitting in a closed, fraudulent Chase account. I am incredibly disappointed and frustrated and will promptly be engaging legal support as we can not seem to find resolution working on our own. While the bank branch has been the most helpful, they are seemingly reliant on all of the same 800 phone numbers that we have been directed to. We filed a police report, with XXXX, with the FBI, and with the FTC. We have done all that has been asked of us and are constantly provided updates that only lead to more confusion, waiting, and disappointment.

Company response to consumer: Closed with monetary relief