BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-18
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Navy Federal Credit informed me that XXXX from Security put restrictions on my account leave with no access to my account please he question my membership when my daughter XXXX XXXX referred to the bank and per membership you need have immediate family in order to join. When I open the account my daughter confirmed that I 'm here mother. Please explain when do membership and security have the authority to put on a member account that has XXXX XXXX Direct Deposit into my account. Please explain if Navy Federal as that authority to do this is that part of Federal Regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: SYNCHRONY FINANCIAL
State: NJ
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:
This company has inaccurately reported late payments on my consumer report. This account contains a finance charge, which is the sum of all charges, therefore the account was paid in full the moment it was opened. I am the original creditor who has granted these creditors the right to extend my credit back to me and they are attempting to say my payments were late. I've also filed a fraud report stating that these alleged late payments were all unauthorized during the months they were late and they still refused to update these payments.

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 2017-09-28
Company: EQUIFAX, INC.
State: MN
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:
There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We placed merchandise on eBay listed a Go Pro Camera Hero 3 silver including accessories of a battery pack, charger with USB cord, chest mount, head mount, touch screen, XXXX cases with interchangeable doors for the camera listed for the 'buy it now price ' of {$350.00}, valued according to fair market at approximately {$560.00}. Received an offer from XXXX to purchase the camera with equipment for {$350.00} plus additional shipping and handling fee of {$50.00} which made the total {$400.00} noting that it was 'a birthday gift ' received from PayPal via email, with a realistic transaction ID number, and with the PayPal logo . Emails and text messages were exchanged between the fake buyer and us the sellers. The money was requested and to be placed into the PayPal account. We received several emails that stated that it may take 'several days for the transaction to appear in the account ' however it went on to say that the 'account could be credited in the next 24 hours '. We also received a confirmation shipping reference number written on PayPal documentation. But the money was never received into the account, the merchandise had shipped. According to the phone calls to PayPal, they were not responsible for the transaction and stated that it appeared to be a fraudulent email. It is extremely frustrating, disappointing when this was the first time we attempted to sell using PayPal. It is a shame that Pay Pal does not have their website secure and take responsibility for the fraud that occurred. I will submit the emails obtained from the fake buyer and please note the transaction ID listed on PayPal logo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a vehicle back in XXXX with Ally finance I address my issues in regards to my fees last XX/XX/XXXX I am still paying, I have reached out to them multiple times to please show me why the extra fees to also send me a detailed of those fees so I can dispute them, I havent got a detailed mailed to me or any results and every time I make a payment I see another fee added to my account last month my pay off was XXXX and now this month its XXXX Ally financial is charging me {$780.00} in additional fees. I honestly think that Im being ignored and taken advantage of as a consumer. I would like to know if there is anyway I can solve this problem. 
I can be reached at this number XXXX Thank you

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 2019-06-05
Company: BB&T CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an XXXX XXXX with XXXX XXXX. They were taking daily payments from my account got XXXX. When I repeatedly told them that my business wasnt making money and to please stop, they continued to withdraw anyway, overdrawing my account. I filed a fraud claim with BB & T, and they have to provide me with proof that I authorized these withdrawals. But they denied my claim and still do not have the proof stating that I authorized these transactions. Yet, I do have proof in emails showing where I requested XXXX XXXX stop withdrawing.

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 2020-04-02
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  is still showing an unpaid collection on my report. I paid this collection on XX/XX/2019 with my XXXX XXXX. 

The collection was {$550.00} with XXXX, and the original collection agency was Jefferson Capital. When I called them in XXXX, they had turned the collection over to XXXX XXXX. 

I am attaching both my recent copy of my XXXX report, and a copy of my XXXX statement that showed I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2015-04-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have previously submitted a loan modification request for assistance on XXXX XXXX, XXXX. My request for assistance was due to a hardship that began in XXXX when I was laid off from my job and I struggled for over a year to find a job where I would earn a similar wage. After securing a well paying job in XXXX and paying off all of the debts I had acquired in XXXX, I fell behind in my mortgage and I was again laid off just XXXX weeks ago. I am presently working toward securing a new job ; however, I am very concerned that my home is scheduled for a foreclosure sale on XXXX XXXX, XXXX. I have submitted a Qualified Written Request, Notice of Error and Request for Information on XXXX XXXX, XXXX and delivered to Wells Fargo on XXXX XXXX, XXXX via XXXX tracking number XXXX ; however, as of today 's date Wells Fargo has not responded ot my request and has not postponed the upcoming foreclosure sale in agreement with the Notice of Error/Request for Information, QWR delivered to them. As such, I kindly request your assistance in having Wells Fargo respond to my QWR, Notice of Error/Request for Information and have them postpone the upcoming foreclosure sale in order to confirm the amount owed as well as explore all available loan modification options available to me. I would greatly appreciate your assistance in saving my family home which has been our family home since my wife XXXX XXXX passed away in XXXX. 
Additionally, I have sent an email to Wells Fargo CEO President and Chairman XXXX XXXX on XXXX XXXX, XXXX and he has been unresponsive. 
Please engage my representative XXXX XXXX XXXX at XXXX as she has my written authorization to speak with you. For your reference, I am forwarding you the supporting documents along with the QWR, Notice of Error/Request for Information, prevoiulsy served on Wells Fargo Bank. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, mortgage : XXXX # XXXXdates in dispute : XXXX XXXX and XXXX XXXX (? ) Equifax response XXXX XXXX XXXX I contacted Equifax to dispute delinquent payments on my credit report. I had sent my mortgage company a copy of my USPS postal tracking # It was mailed as a 2 day priority. Per XXXX, no late pays are showing on my account. 
In XXXX XXXX I contacted my mortgage company a second time ( after the dispute with XXXX ) and was advised XXXX XXXX payment is showing current in their system and there are no late pays going back over 5 years. 
Today XXXX XXXX, XXXX, I checked both XXXX and XXXX XXXX, both STILL show XXXX delinquent pays on the credit reports. Per Equifax, the incorrect information had been removed and my credit score adjusted accordingly. Last month, I checked ALL XXXX free credit report sources in XXXX and ALL XXXX had me at a XXXX score or higher. Today, BOTH Equifax accts ( XXXX and XXXX ) have the exact same score XXXX and both have the same XXXX LATE PAYS. This is in spite of the fact that Equifax contacted me with # XXXX which is now expired, advising all payment information had been corrected. To make matters worse, my computer crashed last month, and the document where I copied that information is on my old system. At this time I can not access the document where I copied their complete response. 
I stand by my statement below, because I do have a copy advising the errors had been removed and saw the new, updated scores last month, but did not think to screen print them. Who would imagine that it was all a hoax? 
Since my score from XXXX is XXXX and shows both accounts, it is obvious that Equifax has not corrected my information, or they corrected it in XXXX, then put the incorrect information back on my credit report in XXXX. For them to force a lower score on me is questionable and unethical. It still appears that they are using " late pays '' as a means to force people to purchase their credit products. 
I also want to add that my son 's name is on the mortgage and his score has been over XXXX for several months. How is that possible when we have XXXX accounts that are the same? His name is XXXX XXXX XXXX and he is he co-signer on the mortgage. I am a cosigner on his car. Same debts, yet different scores. Seems a bit bogus to me. I have attached the screen prints from XXXX ( XXXX ) for your review. As you will see, they have corrected and updated my score.They also show XXXX open accounts. That was disputed and corrected with CFPB Case number : XXXX. Thanks for your time. Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my credit card statement from XXXX on XX/XX/22 for the statement period of XXXX and it includes interest charge ( {$4.00} ) and late fees ( {$29.00} ). In reviewing the statement, I realized that it shows me being past due for the XXXX payment. I've had this credit card for several years and have ALWAYS paid it in full each month before its due date. I checked all my bills for XXXX and did not find any statement from Barclays for that month. All of my bills for XXXX had been paid in full and on time. I called Barclays on XX/XX/22 at ( XXXX ) XXXX and spoke with XXXX to explain the situation and my concerns. He said that Barclays sent the bill on XX/XX/22 and will resend it to me for my record. I explained to XXXX that my payment history with Barclays should show that I have ALWAYS paid my credit card on time, in which he acknowledged and thanked me. He did not offer any other recourse. I have no issue paying my bills in full and on time when I receive my account statement because that is my responsibility. The bank/financial institution has the responsibility to send those statements out on time to customers. In this case, I did not receive it for 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 monetary relief
Consumer complaint received 2019-11-06
Company: WELLS FARGO & COMPANY
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 never authorized this company to run my credit bureau reporting on XX/XX/2018

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 2019-11-06
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.

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 2020-04-02
Company: Prime Business Service, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this due to non-compliance with the PRIME BUSINESS SERVICE. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Seterus regarding a hardship situation dealing with family medical issues, which was impacting my financials. 
The person I spoke to XXXX XXXX, was very understanding and implored the help of her manager XXXX XXXX. in the matter. 
They offered me an extension, and made payment arrangements by pushing out the due dates. However, I needed to give them pre-dated checks for payments. ( I have confirmation numbers for each one ). 
I was given reassurance that I would not be in delinquency or default status. 
Subsequently, one month later, I began receiving phone calls from another one of Seterus representatives, telling me my loan was in delinquency. I asked them to read the notes and agreement made with XXXX & XXXX. 
I then began receiving US postal letters and notices of default. I contacted Seterus via phone today and asked to speak to XXXX & XXXX. I was told by the representative that she could not transfer me. The representative informed me I had to work with her. 
I then asked to speak to a manager or supervisor. Again, I was not given the courtesy of my request. I have been dealing with Seterus for 2 years and have nothing good to say about their customer services or accounting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 been trying to get help i sent all the document need and they has not remove the wrong information they keep tell the updated the info but thats not helping 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 explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-03-26
Company: Movement Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The name of the mortgage company is Movement Mortgage located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX. The loan officers are a married couple by the name of XXXX and XXXX XXXX. XXXX  # XXXX and XXXX # XXXX. I have a XXXX credit score and gave in all of the documents they asked. After 2 weeks of deliberation and as soon as they knew I was an XXXX XXXX, they asked me for a co-signer. I asked why exactly? They said my income had dropped from XXXX to XXXX and the underwriter will ask for a co-signer. I replied of course it did. Due to Coronavirus year, many peoples income dropped from shorter hours or from their businesses suffering loss.

I said that was not enough reason to ask for a co-signer. I still have more than enough income to pay for a mortgage. I asked for a 2nd opinion from other lenders & I was told that was not true. There is no reason for them not to give me a pre-qualification. It seems that they do not want to give you a pre-qualification because you are XXXX. I ended up getting a pre-qualification from another lender after just 3 dsys. I am reporting these loan officers and this company to CFPB because this is discrimination/racism.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter to my house stating that my former apartment complex The XXXX XXXX XXXX XXXX had sent me to collections ( Southern Management Systems ) for an overdue amount of {$120.00}. 
After speaking with a representative from Southern Management Systems, they told me that I would have to dispute it through them as well as speak to the apartment complex. I got in touch with the apartment complex and they told me that they could not speak to me about a former resident and that this had already been sent off to collections. Additionally, I had placed a security deposit down in XXXX when I initially signed my lease and XXXX  XXXX is claiming that since they were under different management at that time that there is no way for me to get this security deposit and/or have that money go towards this overdue balance they are charging me for. 
I went ahead and sent a letter to Southern Management Systems stating that this is a fraudulent balance and I had never gotten any information from XXXX XXXX about this overdue balance and this is an issue I would like to take care of in a timely fashion.

Company response to consumer: Closed with explanation