BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
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:
XXXX Has without my consent placed a fraud notification on my credit reports with Early Warnings system. XXXX Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with Early Warnings I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.XXXX  Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the early warning notice placed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA Has without my consent placed a fraud notification on my credit reports with XXXX XXXX system. USAA Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with XXXX XXXX I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.USAA Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the XXXX XXXX notice placed by Usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received the amount of {$960.00} transferred to my navy federal checking from my friend XXXX XXXX 's navy federal account. XXXX XXXX 's wanted me to withdraw the money for him from my account. I did this and got the money to him in cash. Later on Wednesday XX/XX/XXXX {$960.00} was removed from my account because of an open fraud investigation. XXXX XXXX started a fraud case and now I am a suspect even though he sent the money to me and instructed me to withdraw it. My bank Navy Federal may now suspend my account due to this incident. I have tried to plead my case with them, however, they claim there is nothing that they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: UT
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 never, missed a payment with XXXXXXXX XXXX and it shows, I have missed a payment, and I disputed it, and nothing was changed. Also the 2 collection company 's on credit report, have wrong information, and I sent experian a copy of the letter from the XXXX XXXX sherrifs office, that the accounts where opened fraudulently. And they still refused to remove them, even after XXXX disputes. I am asking you to please help me get them to remove the items and adjust my score immediately thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Receivable Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent over 5 dispute letters asking for validation on how to prove i owe this debt. Haven't sent no type of evidence of how this debt belongs to me. Very furious I'm trying to buy a home I would like for them to delete this off my credit because this debt is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent telerecovery a certified letter stating that I would like to verify a debt that they are trying to collect. It has been well over 30 days and i have not gotten a response. Also upon checking whether they are licensed in my state i found that the license was in fact expired since 2011. They are continuously verifying that this is my debt through they are not validating it with my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 Reporting an unknown inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2016 Wells Fargo has a hard inquiry pull which is invalid

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 2022-07-18
Company: Heritage Financial Group, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a court order around XX/XX/XXXX. The name of the original company was Heritage Acceptance Corporation. The collection agency, Attorney XXXX XXXX XXXX, XXXX, was now suing me for {$5700.00}. I called Heritage Acceptance Corporation immediately. They told me the debt is dated back to XXXX. I told them that I dispute it. I then called my state 's attorney general 's office and they said they had never heard of anyone going back that far to sue someone for a debt. Then, on my court date, XX/XX/XXXX, I disputed it again. They totally ignored my response and a garnishment of my wages was granted on XX/XX/XXXX. The statute of limitations to collect on auto loan debt in the state of Indiana is 4 years, however, a judge granted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: JPMORGAN CHASE & CO.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a company I had done prior business with fraudulently charged my card {$4000.00}. The company had a prior charge which I had signed for. the XX/XX/XXXX charge, was not authorized and the bank does not have a signature stating we authorized the charge. I reported the charge fraudulent on XX/XX/XXXX before it was paid to the merchant. An investigation was completed and we were informed the charge was fraudulent, the card was cancelled and new credit cards were issues. On XX/XX/XXXX the charge was put back on the new credit card account and the bank has been unable to tell us why it was being recharged. 

The bank is chase bank. And I have tried to resolve the issue with them. I have sent the bank another complaint but have been informed they will not discuss with me as it was filed in XXXX and they will not take a second report. The charge is still fraudulent and needs to be resolved so my credit is not affected. Per regulation e the bank is well past the time required to complete their investigation. 

The bank has not provided any proof that I have made the charge, because they do n't have any. 

Please help me resolve this issue with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
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 victim of identity theft as previously stated before

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank states that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX and was self employed my XXXX was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX I lost my XXXX and XXXX XXXX due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my XXXX however it was the only job available to me in a horrible local job market. AGAIN DURING THE DURATION OF MY SECOND JOB I MADE MUCH LESS AND WORKED LESS HOURS THAN WHILE SELF EMPLOYED ( THIS IS COVERED VIA THE CONTRACT FROM CREDIT PROTECTION ) Once again also at NO TIME did i request that the Credit Protection on this account be cancelled and the entire job loss should be covered. To take you have not updated the accounts minimum payment it still remains at {$400.00} with a little over a 1200.00 Balance this is not good business practice my next step will be to report to this company to the Attorney General of the State of South Carolina if all issues are not corrected.

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 2022-07-18
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:
I have disputed the account with Transunion for XXXX XXXX due to account being paid on XX/XX/2022. I contacted XXXX Bank and asked for a letter in writing regarding the payment and updated status and to ask the bank to update my account status with all three bureaus. I filled a dispute with Transunion and asked Transunion to update my account information to show has been Paid in full for less than the full balance. 

My dispute has come back today as Verified and accurate with the old status of past due, with a balance and charge off on the account. 

Please assist as Transunion has not conducted proper research to see that this account has been paid.

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 2022-06-09
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Arvest Central Mortgage reported me 120 days late during loan modification trial period in the midst of XXXX when I made ALL the trial payments on time. They state my mortgage was delinquent when the trial period started which is incorrect and that's the reason they reported my account 120 days late. I had requested and was approved for a XXXX month forbearance plan from XX/XX/XXXX- XX/XX/XXXX. I applied for the loan modification XX/XX/XXXX and was approved for the trial XXXX1st pmt XX/XX/XXXX, 2nd pmt XX/XX/XXXX and 3rd pmt XX/XX/XXXX. All XXXX payments were made on time and they still reported 120 days late for XX/XX/XXXX- XX/XX/XXXX. I called once I found out this was reported on my credit report and " their response I signed document stating my credit score could be affected by accepting a loan modification ''. I realize this but thought they were only allowed to report the truth which was I had had agreed to loan modification trial period NOT that I was ever 120 days. I was on forbearance XX/XX/XXXX - XX/XX/XXXX so how could I possibly be 120 days late XX/XX/XXXX?!? They had originally reported 120 days late for XX/XX/XXXX and XX/XX/XXXX which they removed after my first complaint. They also told me if I didn't request for a loan modification after my forbearance ended I would be required to pay the XXXX  months of mortgage payments immediately or they would report my account 120 days starting XXXX which they ended up doing anyways. I would have NEVER agreed to the loan modification if I knew they would report me 120 days late. I would have cashed out my XXXX to get my account current and start the process to refinance my loan ASAP. Because of what they did I was unable to refinance when rates were exceedingly low in XXXX & XXXX all the while they continue to take advantage of what they did to ruin my credit and make money off of my higher interest rate and collecting PMI of XXXX XXXX monthly. I could have refinanced and not have to pay {$580.00} PMI due to value of my home increasing by almost 60 %. They took advantage of me during the height of XXXX which is criminal. Attached is the history print-out from their website showing all payments made from when home was purchased XX/XX/XXXX - current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of id theft so i wrote the credit bureau. Its been over two months and I have not heard from them. I addition the fradulant accounts are still reporting on my credit

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 2022-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.

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 2022-07-18
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: Information belongs to someone else

Complaint:
As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.

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 2017-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In light of the XXXX XXXX scandal, I would like to report a similiar fraud with Bank of America. On or about 2014, I had opened a Checking Account with Bank of America. Without my knowledge or consent, a Savings Account was opened in my name. After realizing I incured a {$15.00} fee, I went to the branch to resolve the issue. I was told that when I signed up for the account I consented to the charges and the teller showed me the signed form. When I told her that was not my signature, she simply stated she should not have showed that to me. The branch said they would try to resolve the issue and I also reported the issue via phone to customer service. The matter was never resolved, I never received a refund, and I just closed my accounts. I suspect a cover up for falsify documents and my signature to create an 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 2020-08-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Under my total student loans there is one that has listed navient as one serving the loan. This loan states it was given in 2006. Although I did take loans in 2006 they have since been paid off. Since this time I have had to pay numerous times " outstanding balances '' to receive transcripts, enrolled at another college and again to reenroll again. The loan at one point affected my credit so badly, I was unable to rent an apartment while XXXX  they were harassing me and threatening to garnish my wages if I did not paid them more then 60 % of my income I was making while XXXX  

I am currently looking to consolidate my loans again this particular loan states : they don't offer consolidate options because it is a private Stafford loan. I also requested promissory not and details regarding the loan that navient fails to provide me. It lists multiple places i had the loan in forbearance while I was in school or deferment ... .. none of which I agreed too. I was able to provide documentation that the debt was removed from one of.tye reporting agency 's and have recently disputed it in another credit agency. Most recently they are reporting that the loan is in default with credit agency 's and it is not on default not do I believethe loan is legit. I absolutely have student loans but this agency has mislead and lied to me regarding one of the loans. I would like the original loan reviewed, as all.my attempts to retrieve documentation regarding it have been unuccessfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Victoria secret credit card uses comenity bank as their lender and they are alleging I owe about 200.00 in late fees and interest. I went in to make my bill back in XXXX or XXXX of this year. I asked the front desk cashier to call the credit card company and find out my payment balance. She did and I was told it was XXXX. I made the payment successfully. I then later received a bill. The bill stated I did not make the full payment and that I was being charged. I contacted Victoria secret credit card and they informed me Victoria secret credit card and comenity bank do not run on the same systems therefore the two can not see each others information. I thought this was inaccurate because I had the cashier call to prevent an inaccurate payment being made. I was a dollar short on my payment so they charged me a whole bunch of late fees and interest. I have called numerous of times trying to settle this with comenity bank and Victoria secret and they refuse to help. They have stated the whole bill is late fees and interest charged from not paying the full payment. I had a balance of only XXXX. The bill is now almost 200.00 because this company refuses to take off those fees. I should not have to be held responsible for their inaccurate system. This bank and store do business together therefore they should make it convenient to serve customers. This is causing the bank to add unnecessary charges and cause unnecessary billing fraud. I want this taking care of as soon as possible. I want all fees and interest accrued from their mistake dismissed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NRA has not sent me any document proving their reported account on XXXX under my name with the right day of first delinquency. It means they have not responded to any of my complaints since I requested ( please see the attached receipt of USPS ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation