BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Wells Fargo Mortgage in XXXX. I have received no information on the status of this application since then. On Wednesday, XXXX I received a Foreclosure Notice of Sale auction to be held on XXXX. This leaves very time to deal with this, to find suitable housing and to move out of my current home ( the XXXX in Foreclosure ). I have been informed by a reputable Attorney that this is " Foreclosure Dual Tracking '' and is in violation of the Homeowner 's Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Navy Federal will not let me use or close my savings account with them. I 've spoken to them in branches and on the telephone. They say it is against policy to close savings accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureau 's are reporting inaccurate items on my 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 explanation
Consumer complaint received 2020-08-17
Company: First National Collection Bureau, Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
company called after XXXX which violates FDCPA & they sent a text message ( I have snapshots with the time they sent the text message they sent me )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my 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 explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used the Experian site to receive my credit report for {$1.00} as advertised on the site, but without my being aware of it the company also signed me up for a credit report monitoring service with a monthly fee, and I did not realize it until I saw an additional charge of {$21.00} on my credit card the following month. The company did cancel the " subscription '' after I contacted them, but they refuse to refund the {$21.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
i have fraud alerts on my file that i did not request. this has caused me to be denied for a credit card. I did not request this alert, i have never requested a fraud alert. I need this alert to be immediately, i have never requested a fraud alert and i am not a victim of fraud

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 2020-08-17
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this is the never ending saga with santander consumer usa ' i now want a full copy of the recorded hone calls they say they have from previous complaints the laws says that if im recorded i have a right to have copies i am formally requesting them i am going thru the cfpb because dealing with santander has been nothing but and outright nightmare thats why they settled a car loan class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Atlantic Bay is breaking the law by making their website inaccessible to me and continuing to charge me PMI even though I asserted my right under law to have the PMI removed, and Atlantic Bay is legally required to do so since I have perfect payment history and my property has appreciated in value. As a person of XXXX is a historically disadvantaged part of town, I hope Atlantic Bay is not engaging in redlining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports XXXX, XXXX and trans union. 

Trans Union Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit Report Inquires : XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.

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 2022-02-21
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: Information belongs to someone else

Complaint:
I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries 24 with XXXX, 28 with XXXX, and 30 with Equifax as of now. I am currently just starting to understand my credit and really hate this happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with Transunion, XXXX with XXXX, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened to me.

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 2019-02-05
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Company has never mailed notification of the debt however they are reporting to the credit bureaus. The debt collection practices are in violation of XXXX privacy laws as they have mailed the full and complete medical bill with private very personal information to my lawyers. The information submitted to the lawyers is inaccurate, the billing date is prior to the date of service. How is it possible to bill someone for a service before they were even admitted for an emergency? I have been sending certified letters to this company and they refuse to accept any of them. Very hard to work with someone that will not accept certified mail for proof of delivery.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: IL
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:
On ( XX/XX/2020 ) I wrote to Experian, XXXX and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM SIMPLY RESPONDING BACK TO TRANSUNION IN REGARDS TO MY DISPUTES. PLEASE FORWARD THIS COMPLAINT TO THEM ON MY BEHALF. THANK YOU. 

I am very distressed that Transunion has included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 

AS YOU TRANSUNION ARE ALSO IN FACT NO DOUBT AWARE THAT YOU ARE KNOWLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS INFORMATION AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. THIS IS A CLEAR CASE OF INVALIDATE DEBT HERE AND I AM NOW DEMANDING THAT TRANSUNION PROVIDED ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THESE ALLEGED CREDITOR 'S HAVE PROVIDED TO YOU ON MY BEHALF THAT WOULD SHOW THAT THESE ALLEGED INVALIDATE, INACCURATE, DISPUTED ACCOUNTS INFORMATION IS ACCURATE! AS I WOULD PERFER NOT TO LITIGATE I WILL FILE MY LAWSUIT AGAINST TRANSUNION FOR KNOWLY AND DIRECTLY VIOLATING THE LAWS. 

THE FOLLOWING INVALIDATE INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I HAVE REQUEST THAT THESE ALLEGED CREDITOR 'S VALIDATE THESE ALLEGED ACCOUNTS INFORMATION WITH ME! AND THEY HAVE LEGALLY FAILED TO VALIDATE THESE ACCOUNTS INFORMATION WITH ME IN THE TIME FRAME ALLOWED TO THEM BY LAW! AS THEY ARE ALSO IN FACT NO DOUBT AWARE THAT THEY ARE ALSO IN DIRECT VIOLATION OF THE LAWS BY CONTINUING TO REPORT THESE ACCOUNTS AS ACCUARTE WHEN IN FACT THEY HAVE PROVIDED NO PROOF! 

THE FOLLOWING INVALIDATE ACCOUNTS SHOULD NO LONGER BE ASSOCIATED WITH MY TRANSUNION CREDIT REPORT : XXXX XXXX XXXX # XXXX XXXX # XXXX I HAVE DISPUTED THESE ALLEGED ACCOUNTS, WITH TRANSUNION AND YOU ARE VIOLATING THE LAWS BE CONTINUING TO REPORT THESE INVALIDATED ACCOUNTS ON MY PERSONAL 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 2017-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My account was hacked XX/XX/XXXX. I called all the credit reporting agencies to put a freeze on my account. I found a credit inquiry by XXXX was made on XX/XX/2016. I called and was promised the inquiry would b removed within 20 days. Well now it 's almost two months and the inquiry still show up. I would like it removed asap. 
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 non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureau 's are reporting inaccurate items on my 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 explanation
Consumer complaint received 2020-01-14
Company: Navient Solutions, LLC.
State: IN
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:
Hello, I would like to formally complain about how Navient is handling my student loans. I am very close to contacting lawyers to help me solve my issues as well. 

Loans in question are 2 private loans. 

Loan one - I took out on XX/XX/2007 for {$36000.00} I have always paid the amount that they give me as my minimum payment and have even paid OVER a time or two. I have deferred the loan a couple of times but only for a couple of months and at the very most 6 months total in time. I have paid into this loan over {$52000.00} to date. My loan balance as of today is {$41000.00}. I feel this is predatory and my minimum amount due should never be so low that my balance grows even while making payments on time. I have asked multiple times to Navient to lower the interest rate. I signed up for the loan with a rate lower than 6 % and it is now a 9.5 % rate and at times even went to a 10.5 % interest rate. 

Loan two - Is not as bad. I took this loan of {$12000.00} out on XX/XX/2007 and same as loan one have made the proper payments, may have been late a few times but always caught it up. I am a XXXX  so sometimes I don't have money and then others, I have a lot to catch up on things. But I have never been over 2 months late and never have had it deferred for more than 6 months total time. With making the payments that are set by Navient I have paid them {$16000.00} to date and my loan balance today is {$12000.00}. 

Two Loans were taken out totaling {$48000.00} in 2007, 12 years later and payments totaling over {$68000.00} and my current balance is {$53000.00}!! 

If this isn't predatory or illegal, I don't know.. This just does not add up. A company just collecting a debt should NEVER put out consumers like this. I can't afford a house and have put off a lot because of these loans only to find out that even paying what they say to pay is actually just making the balance increase?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check {$1500.00} I recovered {$1300.00} and I asked the banker to deposit the rest XXXX $ on my debit card and since that day XX/XX/2021 I have not recovered the rest of my money XXXX XXXX I called customer service to make a claim No. XXXX, but the problem that no one called me back I went to the bench twice to solve the problem but no one helped me I just get a Duplicate copy of transaction their answer was " that I must meet the banker named XXXX because it was she who made the transaction with me ''. 
I went the fourth time to the bank and finally I met the banker named XXXX, she promised me that she would solve the problem, she called me once she told me that she would solve the problem in a week but again no one has contacted me

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 2020-09-01
Company: CITIBANK, N.A.
State: IL
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:
First a little background. I opened an account with Best Buy on XX/XX/2014 for the purchase of needed equipment. As required by the account terms and conditions I paid off the account when it was no longer needed. I had not used the account after the final payment and no longer thought about it. I was not made aware of any issue until I started to work on the purchase of a residence. To my shock a derogatory matter appeared on all three credit bureau statements. 

At no time had I been contacted by Best Buy/CBNA via any means regarding this problem. Not e-mail, telephone, snail mail or any form of communication if I had I would have been able to either prove payment or provide funds to cover amount. 

I immediately began trying to contact Best Buy/CBNA via mail, e-mail, telephone and social media with no results. Every telephone number listed in various reporting agencies has not worked. As a matter of fact, several just drop several are no longer in service. Just tried to contact you using the most recent number ( XXXX ) XXXX XXXX waited over 30 minutes and nobody picked up. Since CBNA has several office locations I tried them all which once again proved to be fruitless. The bureaus show that the account was closed by you with no information as to when it was closed yet you have been reporting to all three agencies, monthly, with late payments reaching back several years. If this account was closed by you how is it that you have been showing late monthly payments.

The amount shown as being late is a paltry {$55.00}. With a credit limit of {$750.00} do you really think that I would not pay a small amount. Although I do not have bank records going back that far I know that all payments were made to you on a timely basis. I insist that Best Buy/CBNA remove the derogatory remark ( s ) on all major credit bureaus.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is from a Kohls credit card in which had a maximum limit of XXXX XXXX dollars and it states I owe {$610.00}. My Kohls account was paid in full and closed so I have no idea why it is on my credit report as Exceeded the maximum limit and now Stating I owe over {$600.00}. I already filed a dispute with XXXX and this one came back with no change. I have tried working with the merchant and they are saying that the account was never paid in full, So it will remain on my credit report. I have just been able to get my first credit card due to one of the three derogatory notations on my report ; Kohls being one of them. I need it drops off my credit report as it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: MI
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 is falsely reported, opened XX/XX/2017, amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I went into Citizens Bank to close out an account of my dead mothers I was on. I asked to close it out and transfer whatever money was in there to my personal account with Citizens Bank, I was told it was {$580.00}. I was given the {$500.00} line of credit associated with that account on accident rather than just the money that I was owed. I realized a couple weeks later and called to try and sort it out but was told they couldn't help and I would have to go into the branch even though we were on stay at home orders. On XX/XX/XXXX, I called the debt branch of Citizens Bank and talked to them. I was told I owed the {$500.00} as I should never have received it and if I paid it then, they would waive the fees. I paid over the phone {$500.00} and was told the account would be closed this time. XXXX XX/XX/XXXX I requested a credit report and saw that I had a negative from Citizens Bank. I immediately looked on the app and it says the account is a zero balance. I then called to try and sort it out. I first spoke to XXXX about it and she connected us with XXXX. They informed me the XX/XX/XXXX person gave me the wrong amount owed and that I had to pay them more money to close out the account. The reception was so poor that I was struggling to understand what they said and I kept being put on hold.

Company response to consumer: Closed with explanation