BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 I requested the current name of my employer to be updated to " XXXX XXXX XXXX  XXXX ''. 
All three credit agencies ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice.

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-09-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As per complain XXXX, Nationstar Mortgage alleges that I paid full mortgage payments during my trial period. As soon as I received my trial period, I began making payments of {$600.00} for the first month, {$600.00} for the second month, {$600.00} for the third month and {$570.00} for the fourth month when it was brought to my attention that I needed to make the exact amount and that I had full filled the trial period by their representation. Their representative, XXXX, who is a manager, told me they had added an additional month to the trial period. I have resubmitted the forms to them for a new loan modification and they have laughed at me and told me I have been denied. " Once you fail a trial period - you NEVER get another. '' said XXXX on XX/XX/2016. Nationstar failed to apply the funds properly as shown in the original mortgage statements I sent to you in the above referenced complaint. Notice the unapplied funds in that statement. They were putting the payments in unapplied funds and then applying them as full payments. I never made a payment for {$470.00} which shows as being applied at one point - this occurred because they had n't been applying the funds correctly. They were taking the trial payments and applying them as full payments creating the failed environment themselves-which is what I have been telling them all along. They do n't know what they are doing. It is fraudulent and and obvious effort to take my house. I have had to humiliate myself by begging and borrowing money from family and friends to save my house and prevent myself from becoming homeless. No one is looking at the proper place on the statement. UNAPPLIED FUNDS which is where they put my proper payment!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-24
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage has repeatedly given me the same point of contact who never returns calls who is XXXX XXXX. I have yet to be able to speak to him regarding my Hamp 1 offer. Also, they have ingnored my right to appeal and meanwhile I am accruing interest on the loan I can not afford at 10. 5 percent interest only. I want to keep my home of 20 years as primary residence but they continuously make a ridiculous payment offer for me that exceeds XXXX percent debt ration. I am requesting a lower interest rate than 3.5 percent and a 40 year fixed payment including escrow on the loan amount of XXXX and waive the XXXX in interest while they have intentionally denied my requests to get payment below 600 month and waive the interest. In addition, they refuse to send my refund check out to me for excess escrow in 2010 of almost XXXX dollars. I get the run a round every time I ask for it. They have incorrectly calculated my debt as I told them due to medical reasons I got behind and that I am not paying any debt on the credit report but they refuse to manually underwrite the loan as I request and keep trying to qualify me on the automatic payment of XXXX which my income is less than XXXX per month. I am requesting them to lower the interest rate to 2 percent and recalculate my modification offer to get the payment lower as the insurance lowered to half that but yet they did not recalculate the payment offer. 
My loan number is XXXX. I feel they are intentionally making it difficult to keep my home. Please assist me in my modification process, returning my escrow to me they should not be keeping as it is overage, and reducing the accrued XXXX in interest while they intentionally make it difficult to get the Hamp 1 modification. Also, in requesting a new loan single point of contact as I feel I am being discriminated against because of my age and race. This is a interest only ARM and I was not explained how that loan is calculated by anyone when I received the loan approval. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Pa Equifax, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
UNDER FCRA ALL INFORMATION ON SOMEONE CREDIT REPORT MUST BE ACCURATE AND TRUTHFUL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$790.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 reported fraud on chase credit cards and XXXX XXXXXXXX credit cards because of fraud and theft. 
They say it was authorized and it wasnt. Someone used my identity and information and used the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice of a debt collection from Kramer and Frank, P.C. on XX/XX/XXXX stating I had until XXXX to dispute the debt. I sent a dispute letter on XXXX to the email address provided XXXX XXXX  ) and have yet to receive any communication back from them. I called the office and spoke with XXXX XXXX XXXX and learned that a lawsuit was filed on XX/XX/XXXX despite never receiving any response back to my dispute letter. While on the phone, XXXX read to me a response to my letter that was only communicated internally and told me that my case was improperly handled, but the court case would be moving forward unless they reviewed my file and decided it should have a continuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX is third party vendor for the purchase of XXXX XXXX tickets in which I purchased as a gift and requested a refund. I did not attend the concert I disputed with XXXX and the bank Please see attached documentation for evidence in my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/23 my BOA account was locked due to suspicious activity, I have confirmed numerous of times that it was me using my own debit card. Then XX/XX/23 BOA made the decision to close my deposit account. There is a balance of {$62000.00} that is rightfully owed to me but BOA keeps extending the hold on my funds. A cashier check of {$42000.00} was deposited on XX/XX/23 and was supposed to be made available by XX/XX/XXXXbut BOA keeps extending the hold. There is a new hold on XX/XX/23 for the same deposit. I felt that BOA froze my account unlawfully with a faulty fraud detection program, when there was, in fact, no fraud. I also felt that BOA broke the Regulation CC law by not making {$5500.00} worth of funds available the following business day and going pass over 7th business day. 
XXXX XXXX XXXX : Bank of America Account # : XXXX Routing : 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 2023-10-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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:
There are inaccurate reporting on my report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Auto loan managed by Wells Fargo. Interest rates were overcharged, which is why loan had to be paid off early. 
When calling customer support, I was specifically told contradictory things about interest fees multiple times. 
Loan was registered under maiden name ( XXXX XXXX ), latest payments made around XX/XX/2016. 
Thank you for looking into this!

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 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid in full and closed a credit card account with XXXX Bank. Now as of XX/XX/2016 they are reporting it as 60 days late. How can a closed account have a status of 60 days late. 
I contacted the bank and credit bureaus with NO resolution

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 2023-08-07
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I got a letter detailing that I owed {$120.00} to XXXX XXXX Ive never signed or opened an account with XXXX XXXX I called XXXX XXXX  directly and provided the account # on the debt collection XXXX and they said it did not exist. I assumed it was a scam letter. Now its on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Bank of America Unlimited Cash Rewards Signature card. The card had a XXXX XXXX introductory rate. It was disclosed that starting XX/XX/XXXX, the interest would start on the card. I specifically opened this card as I had large expenses and needed the 0 % interest rate to allow time to pay the card off. I had to make large payments to this card which put a financial strain on me because I knew that in XXXX of XXXX I would start paying interest on the card if it was not paid off. I was able to get my balance down from {$14000.00} to approximately {$6000.00}. I was still stressed as to paying this card off. I get a letter in the mail from Bank of America on XX/XX/XXXX stating my 0 % interest has been extended out to XX/XX/XXXX. This notice only came a month prior to the original information of XX/XX/XXXX. Had I been given this information in a timely manner, I could have budgeted and paid this card in a way that would have not caused stress and hindered my finances. This notice should have been given when first receiving the card as the notice states " They apologize for sending my card late and it impacted my account terms ''. These terms needed to be disclosed when the late card was received, which was last year.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX  XXXX Balance : {$680.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}

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 2023-08-07
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello Im reaching out regarding Regions overdraft policy, Ive called the bank numerous times about this issue, I even tried to opt out of the program, I was under the impression that I was opted out so that third parties couldnt charge my account without the funds being available. Ive tried turning off my card transactions and still theyre still allowing payments to go through even when theres no money in my 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 2023-06-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payments are in a post suspense balance as per poc/ as per pcn. My mortgage payments are not being applied to the loan. I have paid a partial payment a few times but I am current on my payment.

Company response to consumer: Closed with explanation