BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, a check for {$10000.00} was deposited via atm in my minor child 's account with my name attached. This transaction is fraudulent, and Navy Federal Credit Union is telling me that I am responsible for paying the money back to the banking institution as my child is a minor. I explained that I had nothing to do with the fraud and requested that an investigation take place on my behalf to get to the bottom of who was responsible. I filed a police report on XX/XX/2022, regarding the matter and provided the case number to Navy Federal Credit Union. After further investigation, despite my efforts to prove my innocence, Navy Federal sent correspondence informing me that I am liable for the money and that if I don't pay it back, I am subject to a charge off on my credit report. Navy Federal garnished any funds in my checking account. As a result, I incurred overdraft fees from the banking institution due to creditors trying to debit my account for monthly bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 non-monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: FL
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:
I have reached out to XXXX, experian, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, experian and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please see the attachment and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.

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 2023-08-02
Company: EdFinancial Services
State: WA
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:
I applied for PLSF on XX/XX/2023 through XXXX. I applied to consolidate my loans appropriately, too. I got an email on XX/XX/2023 telling me that no further action was needed. When I checked the website next, in early XXXX, it said that my e-signature request has expired. XXXX does not allow me to register an account, which I was instructed to so to upload my signature. I don't know how to reapply for PLSF, and now I have an IDR Plan Request on my account pending. I want PLSF. I saw EdFinancial has been sabotaging these applications and I am worried it happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I went to Union Bank  the XXXX XXXX XXXX XXXX location I was racially profiled by two employees XXXX XXXX Branch Service and Sales Officer I and the other representative refused to give me her information I presented my work check to them and Immediately I was told my check looks suspicious the rep called XXXX XXXX over to assist and he conducted another inspection from there he said it was fine and started to cash my check from and he said he was gon na charge me {$10.00} to cash my check so I asked why I just cashed a check at the riverside branch and I wasnt charge {$10.00} from there he stated those are his requirements to cash a check at his branch from there XXXX XXXX got upset from the questions I was asking and refused to cash my check he handed it back to me along with my license and told me to leave once I got to my car I called the customer service number for Union Bank and filed a complaint from there the representative reassured me the complaint will be address and told me to go to another location and said I will not be a issue at the other location moving forward from there I drove to the XXXX XXXX XXXX and was assisted by XXXX XXXX Assistant Branch Manager and XXXX XXXX Branch Service & Sales Officer and received horrible service I was told my check was already cashed they refused to give the location are any information concerning my check I was told to contact my job and they will speak with them and match the check numbers on the check to see if it was cashed on there end at XXXX XXXX XXXX XXXX the representative spoke with them and still refused to cash my check and said I must contact the fraud department or have my job reissue a new check but the whole day I was racially profiled I contacted union bank customer service again and filed another complaint this time I was yelled at from both representatives at the XXXX XXXX location and told my check was cashed and treated like a criminal once again

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 2020-07-08
Company: CITIBANK, N.A.
State: FL
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:
I have 2 hard inquiries on my XXXX  XXXX XXXX report from Citibank Na, XXXX XXXX the XXXX on XXXX XXXX and XXXX XXXX XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help

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 2022-09-03
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MO
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX Balance : {$11000.00}

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Iam a fraud victim and Ive called annual credit report and tried online and all three bureaus r not responding to sending me a annual 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 2023-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Dispute Request - Block and Delete Fraudulent Account Due to Identity Theft Account Name : XXXX XXXX, Account Number : XXXX, Date of Opening : XX/XX/2023, Reporting Balance : {$370.00} I am writing to formally dispute the existence of the XXXX  XXXX account with the account number XXXX, which was allegedly opened on XX/XX/2023, and is currently being reported on my credit report by Equifax. I have no knowledge of this account, nor did I authorize anyone to open this account on my behalf. I believe it to be the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX State employees opened a credit card for me. It was my first credit card ever. I needed XXXX because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX XXXX in XXXX NC. I had severe XXXX  and was terribly XXXX. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am XXXX XXXX XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX XXXX XXXX. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender 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 2023-06-06
Company: ALLY FINANCIAL 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( ALLY FINANCIAL, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my diaper bag was stolen from my car. As soon as I found out cancelled all my credit cards and debit card and got them replace. A week later on XX/XX/XXXX Chase branch XXXX and XXXX here in XXXX TX called me saying someone had tried to cash a check with my driver license and that the person saw they were taking long and run away. The person left my identification and check with them but had already cashed 2 checks with them.The Chase manager from that location recommend me to go the nearest location and get this resolve. I went to a XXXX TX location and the person who help me made a new account and they transfer all my funds from the old account to the new account. The next day on the XXXX of XXXX chase had already taken out my money away from the 2 checks the theft cashed. How was it possible for the teller to cashed the checks with my ID to someone else, that person didnt do her job right! Chase decided to closed my new account as well and left me with no money, they said Im going to receive a check when ever they think the issue is resolve. I need my remaining funds plus the returned checks that I didnt cashed. I have bills to pay and its already XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Vehicle was leased from XXXX in XX/XX/2020 for {$16000.00}. Down payment was {$2700.00} been paying {$450.00} a month since almost 3 years try to refinance through company Exeter finance they stated they don't refinance and i have to go through the car lot where the car came from. Ive been getting mislead back and forth thried trading the car in 2 weeks ago car is only worth XXXX then but i still owe {$13000.00} on the car after almost 3 yrs interest rate is 27 % and no car lots will accept the trad in because of the loan and this week the vehicle is worth {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Genesis FS Card Services, Inc.
State: WI
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 with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Cascade CISS Holdings, LLC
State: WI
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:
To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XACTUS LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CT, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XACTUS and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Today XX/XX/2023 I received an alert that someone has applied for a credit under my name with TD Card Service so a hard inquiry it was placed on my credit report, i did not authorized any application or nether i did any application with TB Bank Credit service, so I believe my information it s been used fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22, I disputed a collection account. XX/XX/22, Experian closed the dispute stating verified and updated account. I was never provided with any information that was verified! I have no knowledge of this account or creditor!

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 2023-04-25
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:
I filed a complaint with the credit bureau in XXXX of XXXX. The complaint has still not been resolved and it is now XX/XX/XXXX. I have sent multiple letters and have also emailed the XXXX office and the CEO. No one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by US Bank. I received a call saying my mortgage payment was late. They sent me a letter in the mail and explained don't use email or text just regular mail ... in XXXX. I use auto bill pay as i travel extensively for work and never received any letter. This was due to my insurance going up and increase in amount needing to be escrowed they said I owed a late fee and {$170.00}. The person I spoke to said she would waive late fee if I paid right then and there, but only with bank info right then and there ... I couldn't send it. I gave her bank routing / checking number. 4 month later I get another call saying I owe {$450.00} in late fees because the transaction didn't go thru, because they missed one number on my account, I escalated this and supposedly they pulled the call and said I gave the wrong account number ( which I know by heart ) but they wouldn't let me hear the call. So I owe {$450.00} in late fees on {$170.00}. Now I just received another email stating again mortgage not paid and have a late fee. They explained your insurance went up again and I need more in escrow, when actually my insurance went down and then they said well we calculate escrow in XXXX and estimated it when my insurance renews in XXXX. They agreed insurance went down, but due to there calculation I had to pay the {$280.00} in order to bring my account current.. again I use auto bill pay. I'm so sick of this I ask if I can just not escrow and pay my own taxes and insurance, to which they reply " I can do that but there is a one time fee of {$1300.00} to discontinue escrow. I've been in the banking and financial services business for 25 years and personally dealt with many lenders. I believe this bank is using deceptive practices to run up fees any and every way they can. How can they charge me {$1300.00} to not escrow for taxes and insurance. They are constantly looking for ways to charge fees and they're employees just tow the company line without waiver.

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