BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXX bank transfer from us bank to citcard XX/XX/XXXX I recieved a letter stating invalid account status and ineligible account status XX/XX/XXXX called us bank. They stated that I closed the account which i never did. 
no call no information for over 10 days. I thought everything was fine. turns out someone cancelled the bank account meaning transfer never happened. 
XXXX was charged to me in interest by XXXX XXXX  as i was going to pay it off. They reoppend my account on XX/XX/XXXX and made the transfer late. I also had to pay the {$420.00} transfer fee on top of their mistake. Meaning im out {$740.00} Still to this date no one knows why it was closed and by whom. If i was notified in a timely manner or left a message, call or email this could have been avoided and I could have gone somewhere else for the loan. 


I have copies of all the paperwork with 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 2019-12-30
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-30
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: Their investigation did not fix an error on your report

Complaint:
I wrote a letter to Experian dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Experian refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Experian conducted a thorough investigation because the information is not provided by the XXXX Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Experian dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Experian so this erroneous information shall be deleted from my Experian credit report. 

Thank you, 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 2021-04-22
Company: Godwin-Jones & Price, P.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I was a tenant at XXXX XXXX in XXXX, Virginia, with an excellent record for several years. Even when recovering from a XXXX and living off savings to heal, I remained current with my rent payments. However, around the time COVID appeared and I was trying to interview to start working again, my savings had dwindled. I had communicated with management at the property and let them know I was waiting on my tax refunds in XX/XX/2020 and would be a few days late with the rent. They chose to take me to court for just that one missed payment. The shutdown hit a month or so later, and I was communicating with them throughout it all. Fortunately with the moratorium on evictions in VA, I was able to stay in my home. When that moratorium was lifted, the community promptly evicted me in XX/XX/2020. I still wasn't working and therefore was basically homeless, though some great friends opened their homes to me until I was offered a position in XX/XX/2020. Once I started working again, I have been steadily paying the balance down to what I owe this entity through their attorney. Even attorneys I spoke with for advice throughout the situation, and the one collecting the debt, told me they could tell how I managed my money well and that the management company was very unethical in their dealings with me. My purpose today in contacting you is to find out if there's any way that this debt can be forgiven or at least reduce the attorney 's fees that they've now tacked on. When I started paying the debt earlier this year, the attorney told me that my balance was around {$6000.00} and that she had not even received the move-out statement from the community. I made a payment earlier this week - and the attorney commended me for the fact that I was making substantial payments, even while paying to stay in a hotel and keep current with other bills. My credit report just started reflecting this debt ( with an additional amount for the attorney 's fees ) although I incurred it and was evicted almost a year ago AND during a period in which a lot of people were experiencing this situation. The management company ( which was XXXX XXXX XXXX & XXXX at the time I lived at XXXX XXXX was never willing to work with me, ignoring all my requests for help and now are dragging their feet in providing up-to-date information about what I actually owe them. Any advice you can give on how to settle and put this behind me would be greatly appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX about incorrect information on credit report. Navient has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted Navient on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a Navient rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for an XXXX XXXX XXXX MasterCard issued through Barclays Bank on, or about, XX/XX/2018. I received a letter dated XX/XX/2018 from Barclays Bank requesting additional information ( Copies of Social Security Card, Driver 's License, and a Utility Bill in my name ) which I sent to them on XX/XX/2018. The letter from Barclays did not include any phone number that I could use to contact them. I heard nothing from them until about 2 0r 3 weeks ago, when they sent an identical letter to the first one requesting the same information I had already sent. The letter still did not contain any phone numbers for contact purposes. To date I have heard nothing more from Barclays. Today ( XX/XX/2018 ) i have tried to call Barclays from a phone I got from the Barclays internet site. They transferred me three times and no-one could help me. I have tried the phone numbers they gave me and they specifically state they have no information on application status 's of any account. My Application number is XXXX and I would like to know why they have not issued a card and why they have not contacted me if they intend not to issue a card. I think failure to notify me of why they denied credit is a violation of law ( if they have  denied me ). My FICO score is over 800.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was notified by Navient that it was time to pay my student loans in XX/XX/XXXX so I submitted all paper work the month before. They came back saying that I would have to pay five hundred something dollars a month. So I resubmitted my income based repayment and now they came back at XXXX. I tried to get that lowered but they said it 's based on some calculation that they make and it ca n't be lowered anymore. I feel that this is n't fair to me not to consider other bills I may have. I have a family that I support. I considered myself going to school to have a better life but it seems like it 's more of a burden to have debt to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Conformation # XXXX for payment XX/XX/XXXX for {$720.00} XXXX XXXX Account XXXX Letter of receipt for payment from Wells Fargo Bank Conf # XXXX dated XX/XX/XXXX with our Routing Number full XXXX and last four of our Acct # XXXX all Correct Documentation of Conversation with Supervisor XXXX XXXX Employee # XXXX from XX/XX/XXXX letting us know this was Wells Fargo Bank XXXX for not processing and would not effect our credit. This was NOT Returned from our Bank at all Conformation # XXXX for payment on XX/XX/XXXX for {$740.00} Letter of receipt Conf # XXXX from Wells Fargo with our Routing Number Full XXXX and Last Four of our Acct # XXXX all Correct Note from speaking with Representative saying Wells Fargo did not process This was NOT Returned from our Bank at all Would appreciate a letter that I can use to clear this off our credit report as this was a Wells Fargo Bank Error as told to us by your staff at the time on both occasions. We went through this process the first time with XXXX XXXX who outright told me he would not pass me to a supervisor and he would not correct it. this is wrong and harmful to consumers. We did not pay late and can prove it. Which is more than Wells Fargo can say! Who protects consumers? XXXX XXXX XXXX - act # 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 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As documented by the attached copy of Letters of Administration, I am the Court-Appointed Administrator of the Estate of XXXX XXXX XXXX, XXXX. XXXX XXXX had a mortgage loan from Bank of America ( BoA ), account number XXXX. About XXXX XXXX BoA received a check in the amount of {$8200.00} as payment for an insurance claim on account of damage to the house subject to the mortgage. BoA cashed this check without XXXX XXXX 's endorsement ( because he was XXXX ) or mine as administrator of his estate. We have a binding contract for sale of the house for an amount sufficient to pay BoA in full. For months I have requested BoA to either ( a ) send a statement confirming the payoff balance after credit for the {$8200.00} it admittedly is holding ; or, ( b ) confirm the payoff balance without credit, and send the {$8200.00} to the title company handling closing to hold in escrow to remit to the buyer upon closing upon paying BoA to total payoff amount. BoA refuses to respond. My request for resolution directed to a BoA department to which I was referred was answered with a form letter saying the matter is being investigated. My request to BoA 's CEO and senior legal counsel has gone unanswered. Copies of correspondence are attached. Closing of the sale has been extended awaiting payoff information, and is now set for XXXX XXXX. If we can not close then, the buyer will cancel the contract, and XXXX XXXX 's estate will incur significant loss.

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 2022-08-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 at XXXXXXXX XXXX I reserved a vehicle from XXXX XXXX XXXX for XX/XX/2022 - XX/XX/2022, picking the vehicle up at XXXX, XXXX On XX/XX/2022 at XXXXXXXX XXXX  I modified the reservation to pick up the vehicle at the XXXX XXXX XXXX XXXX I received a confirmation for the modification. On XX/XX/2022 at XXXXXXXX XXXX XXXX sent me a confirmation email claiming " We look forward to seeing you today at XXXX XXXX. We've confirmed your reservation number, XXXX, and we have your car waiting for XX/XX/2022 XXXXXXXX XXXX pickup. ". At the time this email was sent I was on a flight coming into the XXXX XXXX. When I arrived at the XXXX counter the agent claimed my rental had been canceled and the location was overbooked. After showing the agent my reservation and confirmation he decided to give me a one day rental and told me to call the main office. On XX/XX/2022 I called the main office and an agent said she had rectified the situation. I asked if I needed to bring the vehicle I had back and the agent said no, return the vehicle on XX/XX/2022. On XX/XX/2022 I returned the vehicle and was billed the correct amount of {$590.00}. On XX/XX/2022 I was charged an additional {$810.00}. I filed a dispute with Navy Federal Credit Union and my initial claim was denied. I tried several times to call the XXXX XXXX XXXX XXXX, however I was rerouted to the main call center. Every agent I spoke to said the charges looked incorrect, but the XXXX XXXX branch had to take care of the issue. At that point I did not know exactly what the XXXX XXXX was claiming was the problem. I appealed Navy Federal Credit Union 's findings hoping to get more information concerning their investigation. Today, I received their response and the stated, " As stated before, we've already provided the final folio/invoice from the merchant, which we obtained indirectly from the merchant 's website using your own documentation you provided us showing your rental information. You're free to access the merchant 's website to do the same and obtain the same information we did. ". Basically, they made a decision without even speaking to the vendor. I have all my documentation, sent from XXXX XXXX XXXX, showing I should have a {$590.00} charge. The additional {$810.00} is fraudulent. Please help. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home loan with Wells Fargo Home Mortgage paid in full but can not get lien release filed and copy of lien release from Wells Fargo Home Mortgage

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 2019-11-21
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems {$1000.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person, as I am not able to acquire new credit based on these false invalidated claims. 

XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on TransUnion. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on TransUnion, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also have a Ftc Report and a police 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 2017-04-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}

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 2019-12-30
Company: Estate Information Services, LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a XXXX card. When I contacted XXXX about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told XXXX there was no estate. XXXX has given this account to a company called Estate Information Services, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation