BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX of my Navy Federal Credit Union credit card payments was past due and I was locked out of all account services online and on the app. I was only given a prompt to pay the bill. I paid the bill but was still locked out of all services because it takes several days to process credit card payments. I was unable to see my balance or perform any other actions. I then called Navy Federal and had to verify payment with them to unlock my account. I was only told that this was a normal part of the system. 

I understand why it happened, but the fact that it takes several days to process payment means that the system is impractical and potentially harmful as it is now.

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 2016-11-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I used to bank with navy federal and every time my loan became delinquent navy federal would freeze my bank account until I made a payment to them. I here that there is a law suite about these type of ordeals happening and am wondering how to attach myself to the law suite .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
complaint number XXXX The bill was not included and here it is now. Show clearly I shut off on the XXXX of XXXX which is when bill generated. I was told its one day in billing cycle and they would as a courtesy date back. I thought the bill was uploaded and it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: NJ
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 2022-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act the companies listed below have violated my rights. 

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 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 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have addresses on my credit report and names that are not mine my address is XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX Ive been at the above address for over 4 years it seems that Ive been getting credit card offers with hard pulls from offer letters sent to a address that is not mine Ive tried to freeze my account but Im seeing hard pulls on my credit report can you please delete the address and the names that someone is clearly misspelling off my credit report or I will be forced to take legal action

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 2016-05-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I would like to pay HSBC BANK OFF!! BUT I CAN NOT PAID THEM, THE CREDIT CARD DEBT. BECAUSE I AM IN FINANCIAL DISTRESSED AND UNABLE TO PAID THE FULL AMOUT DUE EACH MONTH, BUT I AM ABLE TO PAID SOMETHINGS. I REQUESTED A HARDSHIP PROGRAM, AND THEY DENIDED ME THE HARDSHIP PROGRAM, THREE TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions 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 a victim of identity theft as I have previously notified Experian before

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 2021-06-17
Company: CITIBANK, N.A.
State: NJ
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:
DSNB BLOOM - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need your assistance in investigating my mortgage company, SPS. They claimed that I defaulted on the HAMP. Reason being was that they said after placing me on the HAMP, they realized that I was unemployed when they, XXXX XXXX placed me on the HAMP and after realizing that I was getting unemployment checks ( which they received copies of in the modification packet ; they kicked me off the program. I made three trail payments them they sent me the permanent payment plan but then re-sended, claiming that because I was unemployed I did n't qualify for the program. Then they went into my husband account and took out a payment and he is not even on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: WA
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 'm a victim of identity theft and I sent a letter containing all information about the identity theft that I reported to FTC and to my local police department ( case # XXXX ). Equifax is supposed to block/remove all fraudulent items in my report as directed by section 605B of the Fair Credit Reporting Act but they refused to do so after contacting them by mail and by phone. They are directly in violation of the FCRA 605C and also Privacy act of 1974 that we do n't have a contractual agreement that they can hoard my personal information and pass them around to the fraudulent creditors and ask them to investigate. Their misleading practice has been harmful to me psychologically and financially. They are also in violation of Fair Credit Reporting Act that they verify information through physical verification of the original signed consumer contract with my wet ink signature and always asked the fraudulent creditors to verify for them. Anyone paying for their service can report anything without Equifax verifying the information. I am requesting that they follow the law and remove the fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out payday loan with Amscot then got real sick and was in hospital and to top it off my land lady called and said I have to move in 30 days so I have to come up with money to do that.Amscott keeps calling harassing me. I can't pay one lump sum like they want I want to do right thing and pay my debt by setting up payment plan but they won't let me.

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 2018-02-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Checked credit report and it shows I owe a college money. When I was in school, I received grants for everything or paid out of pocket. Never filed for a loan so I do not know why they are trying to receive money from me. I was never notified about this in any fashion. Nothing via mail, email or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TFC Credit Corporation of California
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TFC Credit Corporation, has contacted me concerning a debt of {$2700.00} in which I don't owe. # XXXX is supposed to be my account number, I was told the said contract began on XX/XX/2021. I did not sign any contract nor was I active in any school at that time. I have called TFC and requested a copy of contract, they stated it was sent to me. However, I haven't received any as of yet. 
On XX/XX/2021, the above claim of debt was placed on my credit report, lowering my credit score. I am also experiencing repeated collection calls for this debt in which again, I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Lobel Financial Corporation has contacted my employer to collect on a debt that is eight years old. The statute of limitations has ran out from when it originated with the original creditor. According to the state of California, the statute of limitations is four years. This company has contacted my employer that is laying me off XX/XX/2021. The garnishment of 25 % is to take place on XX/XX/2021. This debt is not on any of the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. Lexis Nexis and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BAM Management US Holdings Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX binance. Us added in a form that forces you to agree to the bam trading services. These services will take your XXXX data and it will be sold for a profit. You are not allowed to access your trading account or money unless you agree to this. No heads up or warning was given. It was just forced upon all us users. This is absolutely illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I made a {$100.00} ATM debit card withdrawal at the Wells Fargo Bank in XXXX NJ. I was charged a {$3.00} ATM Fee. This month when I received my checking account statement I saw an addtional {$1.00} charge for ATM INQ fee and a {$1.00} WD fee. for a total of {$6.00}. In my opinion this is excessive and I should be refunded at least {$3.00} in fees.

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 2020-03-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Just today about XXXX XXXX started getting email account permanently suspended sec 22d. All I had done was uninstall the mobile app associated with ths card off my mobile phone. Now I can not get thru to a live person to handle this. I have money on the account and want to get it back. Luckily I have money on another good bank I can use at this time. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am applying for a home loan, and one of my positive accounts is missing from my Experian credit report, which is adversely effecting my credit scores. I am an authorized user on my wife 's XXXX XXXX revolving credit account, and this information shows on both my XXXX and XXXX XXXX reports, but the tradeline is not showing on my Experian credit report. I contacted XXXX, the issuer of the XXXX XXXX account, and they stated they ARE reporting it to Experian and that there is nothing further they can do since they are actively reporting the information, and that it is on Experian 's end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This loan has been is short sale approval for 6 months! We have had XXXX offers, XXXX of which have left because of the length of the process, we are about to lose the XXXX and the homeowner has lost her job again and is under much stress. XXXX XXXX XXXX. She has her agent XXXX XXXX sending this for her as she has broken English and needs assistance. We were notified of the approval of the short sale around XXXX XXXX, since then we can not get consistent communication about this short sale and three times they have requested the same information from us of which we have sent and resent and outlined the corrections to the loan officer, XXXX XXXX on which offer he should be looking at. On XXXX XXXX we sent the information below for the 3rd time! We have had no response after numerous attempts and including a cc to his supervisor : XXXX XXXX. Still no response as of XXXX XXXX, 2016. In addition we have left several voice mails since our emails have gone unanswered. Buyers have given notice today that they will resend offer XXXX XXXX due to the lack of communication and response from Wells Fargo. This home appraised for {$170000.00} and offer is for {$170000.00} with {$5000.00} in closing cost ; this should not be hard to accept! Please assist XXXX XXXX with this lender and her unfortunate circumstances.. 
XXXX XXXX XXXX Homeowner XXXX XXXX XXXX Homeowner 's Listing Real Estate Agent SEE BELOW WHICH WAS THE LAST CORRESPONDENSE SENT ON THIS : REF # XXXX XXXX XXXX XXXX XXXX XXXX NC Thank you XXXX for responding to us. We have attached the following based on what you numbered out to us in your previous email. This is the 3rd time we have sent the correct CURRENT documents and what you are apparently looking at are previous offer that no longer apply. 

1. The offer to purchase is in the amount of {$170000.00} not {$170000.00}. 
2. The HUD closing worksheet shows the correct purchase price of {$170000.00} not {$170000.00}. 
3. The attached listing agreement signed XX/XX/XXXX takes us through XX/XX/2016. 
4. The buyer is asking for concessions in the amount of {$5000.00} not {$4500.00}. We understand if there is a cut off of allowable seller concession costs but just need to know for sure the correct amount to advise the buyer. 
5. The fully signed and initialed offer to purchase is attached as well and is n't missing any seller initials. 

How fast can we get a response that you have received these and looked through them and see what we have laid out above is correct? 

Also, can you explain to us what LOW NET means.

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 2017-08-15
Company: U.S. BANCORP
State: CA
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:
On XX/XX/XXXX I called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from 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