BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having trouble recognizing an account, please provide me with any account documents that shows the alleged debt belongs to me. Account Number # XXXX

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''

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 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}

Company response to consumer: In progress
Consumer complaint received 2022-07-30
Company: Americas Car-Mart, Inc.
State: AR
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:
On XXXX XXXX I received i letter from Car Mart stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: TX
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:
Received a message on yesterday on XX/XX/XXXXXXXX saying that an old account from XXXX XXXX XXXX XXXX CO applied several remarks to my Equifax credit score listed on my XXXX XXXX  profile. Well boy did my credit score plummet after that remark was placed on my file. I was sad and miserable all day yesterday. I worked so hard to get my score to where it is now but to see it where it is now is just heartbreaking. It was a XXXX. Now it's at XXXX. Lost XXXX points. That hurt! 

1st remark states, paid repossession.

2nd remark states, paid using collateral. 

** Now keep in mind, I don't know what the heck is going on. I haven't had this vehicle in my possession in over 5 years so why wait until this year XXXX to try and damage me and my credit score? Makes no sense right? I think I financed the car, XXXX XXXX - 4 door - Automatic back in XXXX but I'm not accurate on that. I just would like to know what is going on that's all. I'm trying so desperately to get my score above water level and this happens. Now I can't get a chance to finance anything with no lender ( vehicle purchase wise ) because this company is trying to ruin my score. Can y'all help me? I'm so grateful a friend of mines at work told me about you all. You don't know how happy I am to see an entity created to help citizens like me. You all are greatly appreciated. Thank you. XXXX Bless you all for working so diligently and committed. XXXX Bless XXXX. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I've continually had issues with American Education Services who services my private student loan through XXXX Bank. The interest rates are criminal, I've already paid most of the loan back but still owe the entire principal amount. I've been making more than 7 years of payments with little to no progress. I've attempted to get my payment reduced, but because my grandmother cosigned on my loans almost 15 years ago, I can not do anything without my grandmother 's signature. My grandmother is now XXXX, with XXXX, living as a XXXX of the XXXX with no income other than XXXX XXXX and due to my poor credit score, which is likely because of my student loans/debt-to-income ratio, I am not able to apply to have her removed. More recently, I've been a victim of identity theft and had to have my bank account shut down to get new accounts, cards, etc. Because of this, my bank issued a stop payment for my student loan payment with AES. Once I found out, I immediately reapplied the payment, but they charged me a late fee. I petitioned to get the late fee removed, as I have an amazing payment history with them, and explained to them why it was late. I was notified yesterday they denied the request to waive my late fee. To say Im disappointed would be an enormous understatement. The interest on these private loans are astronomical and theyve decided that due to a stop payment issued by my bank due to identity fraud, they need an extra couple bucks. A huge corporation, in addition to my fees and interest, needs to make a continual profit off of a new mom, working hard just to pay back the education I do not use with insanely predatory interest rates. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I was a victim of check fraud. I wrote a check in the amount of {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears someone fished the envelope out of the mailbox and altered the check to the amount of {$1700.00} made payable to XXXX XXXX XXXX. This check was cashed at a XXXX XXXX  XXXX XXXX. 
I reported this to my Chase branch and opened a claims number XXXX on XX/XX/2022. I was informed it may take between 60-90 days for XXXX XXXX XXXXXXXX to investigate and respond, so I waited. I subsequently called Chase 's Claims department at ( XXXX ) XXXX option 3 in XXXX and was told they will send a follow up to XXXX XXXX  XXXX. I received no calls from Chase for months, so called back again in XXXX. I received the same response from Chase Claims that all they can do is send another follow up to XXXX XXXXXXXX XXXX. I proceeded to call XXXX Claims again in XXXX, XXXX, and now XXXX. Still no resolution and the same status that Chase is waiting for XXXX XXXX XXXXXXXX to respond. 
This is extremely frustrating to say the least and while {$1700.00} is not a large amount of money to a big bank like Chase or XXXX XXXX XXXXXXXX, it is for a senior citizen like me on a fixed income. I've expressed this to Chase and all they can do is say sorry. My last resort is to file this complaint in hopes that something changes in the ways large financial institutions protect their account holders, especially seniors. It's really not acceptable to have no ability to do anything besides send follow ups that go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new Wells Fargo account using their website on XX/XX/2022. On their website I put in my XXXX account information so they could pull {$500.00} from my XXXX account to the Wells Fargo account to initially fund the account. Wells did pull the money from my XXXX account on XX/XX/2022, but they never deposited it into my new Wells Fargo account and they lost my money. They don't know where it is. When I call XXXX, they tell me they sent the money per the instructions received from Wells Fargo. So the money is somewhere at Wells Fargo and they just can't find it and they are telling me they don't have it. I am attaching the activity from my XXXX account showing the money was pulled by Wells Fargo from my XXXX account. 

When I called Wells to complain, they took away my online access from all my accounts ( 2 credit cards and the newly created checking account ). So now I can't get into any of my accounts.

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 2022-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A guy add me from XXXX, and he told he can teaches me to invest and save some money on the app. And he referred me a account number which is the costumer service of the app. And he send me a link to door load it. Now he is gone and admitted he was a scam. 
It all happened around around a year ago in XX/XX/2021. 
I lost XXXX USD

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 2022-07-30
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a loan from 21st mortgage for a mobile home i purchased these people have been the wort mistake Ive ever made besides my ex husband. Ive had issues with the home it came with a warranty which they never honored then the freeze came it caused mold and mildew in the home after the pipes busted they sent out an appraiser they forgot to include th plumbng in the estimate when the disbursements came in they made it XXXX near impossible vecause they wouldnt disburse until i showed proof of work so i was having to come out of pocket to pay for some repairs until they decided it was ok to disburse this went on for over 3 months when the plumbing the contractor would not finish the work because of plumbing issues that needed to be obviously fixed they lied to me several times saying they were disbusing and then woudl call me back saying no because ... then i dhad to borrow $ to get the plumbing done to continue the repirs fast forward repairs were completed i started paying the money back im currenlty behind 2 payments because ve been expecting the insurance to reimburseme they have failed to do so they ignored my requests i filed a complaint with TDI that got their attention and within days i get a call back that they are gon na reimburse me 21st motgage is constantly HARRASSING ME i guess they found out about it i get 2-3 calls daily if not more followed by constant emails from XXXX XXXX and forward the phone calls start i answered this morning the I spoke to the lady told her im waiting on the insurance reimbursement to take care of it they said next week she said let me put u on hold while i write some notes on the acct she gets back on phone with a guy claiming to be the suepervisor asking me the same exact questions she just did then proceeds to tell me im behind 2 payments and the account can be repossessed i told him go ahead ill file bankruptcy and take them to court I know they cant repossess me because ive been late before ive always paid up to date but their constant harassing scare tactics is very unnecessary i know theres people that dont care or prioritize their bill i work in auto financing and i see it all the time but I would never talk to my customers the way these people do its unprofessional its antagonizing, unnecessary and causes more stress and XXXX XXXX I usually dont answer them for tht reason im always at work and thy start with their interrogations and wanting to know how i manage my $ during tax season they literally called me and asked me how much i was getting back and was i planning to pay ahead!!!!! QUIT HARRASSING AND TAKING THINGS PERSONAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: NC
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 these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
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:
U S Bank Home Mortgage Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose

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 2022-07-30
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Okay my fiancee had his inheritance put in my name I did a credit check on CREDIT KARMA it show my money savings account and said order ur debit card and I put my information in and it declined me so now I can't find what bank my net worth is in or even use my money please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 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 2023-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FirstmarkXXXX  does not process loan payments correctly. I pay a small amount on the loan each day, to pay off the daily interest and some of the principal. I pay the amount at the same time in the morning of every day. 

The company does not process the payments in the same way every day. Sometimes I am charged random interest, on top of the daily interest. 

When the loan was owned by XXXX XXXX I did the exact same payment plan- never had a problem. 

This has been happening since 2020. I can not get the company to remedy the situation, and I am owed XXXX of dollars in interest that Ive been incorrectly charged and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I reported a fraudulent scam that entailed someone pretending to be XXXX XXXX and stating my bill was past due and my power would be shut off. They asked I use Zelle, from my banks mobile ap, to complete payment. I was fraudulently charged {$990.00}. My bank told me to contact Zelle, which I attempted to do, with no reply, just an automated response telling me to contact my bank. This is a circle perpetuated to XXXX over the consumer. I never signed anything, or entered a pin number. According to federal law, under Regulation E of the Federal Electronic Funds Act, this is violating my consumer rights, and I demand a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, ACCOUNT NUMBER - XXXXXXXX XXXX XXXXXXXX XXXX, ACCOUNT NUMBER - XXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2017 Ocwen liquidated my XXXX mortgage that was included in a discharged bankruptcy and also the same principal balance was wiped away by Litton Loan. I sent proof of documents to PHH/Ocwen you in turn took 5 months to respond to my complaint and request to refund the excess cash my homes was sold for. During the 5 months PHH and the 3rd that fraudulently foreclosed filed additional papers for my previous home based on the evidence I submitted to PHH. PHH rescinded the 2 d lien after I wrote them to advised they were in violation of federal law by billing a debt I don't owe. As a result PHH has stalled my current mortgage process to cover up their fraudulent activity against me. On a mortgage debt I don't owe.

Company response to consumer: Closed with explanation