BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Have been attempting to resolve a fraud report since XXXX. {$290.00} was stolen from my XXXX account linked to the bank before XXXX disabled my account for fraud. Navy Federal Refuses to assist as they claim there was no fraud even though they were the ones that confirmed XXXX disabled the account due to fraud. 
Every report I have submitted here has provided me with a number that the supervisor purposely ignores, or in the most recent XXXX, the number is not a valid, active number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily phone calls I don't answer and they leave no message. XXXX check flagged the number as a scam. Today 's call was XX/XX/21 at XXXX. XXXX complaint identified the number to Sequium Asset Solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America offered me a loan modification whereas I was supposed to make 3 trail payments of {$280.00} for XXXX, XXXX and XX/XX/2018. I sent each monthly payment ON TIME and completed the trial payments. But when told that my payments would only be reduced by a few dollars, I declined the modification and sent the difference to restore my payments to the original amounts of {$300.00}. 

Bank of America held those payments instead of applying them ( as you will see on my statements ).  Then they reported the payments late to their own collection department and to the credit reporting agencies. I have called them several times to resolve the issue, and sent letters by mail, and by fax ( which I still have proof of ). I was told to give them time to correct this information. But it's been over a year now. 

While applying for loans to lower my rate, I've discovered that this incorrect information about late payments is still showing on my credit reports. I am trying to get it removed by contacting the 3 agencies separately. But this information has prevented me from being approved for loans.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-07-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im writing about the following data that appears on my credit report from MacysDSNB. This collection company is reporting a debt on my XXXX, XXXX, and XXXX report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a scammer called me using a spoofed Citibank number ( which I didn't know was a thing ). He convinced me to 'refund me ' via XXXX XXXX but he unlinked my number and replaced it with another account. I lost XXXX XXXX There is no way to cancel the transaction. 
I feel Citibank and XXXX let me down by not providing clear instructions about what their employees can request ( PIN, socials ) ; not warning people about spoofed phone calls and maintaining their transfer services despite fully knowing there was an ongoing fraud wave. 
At a bare minimum people should be made much more clearly aware of such risks before enabling XXXX transactions.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and Experian credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from XXXX of supposed email or letter mailed to me denying deferment, XXXX that was acknowledged and signed by me. 
I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed. 
They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.

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 2022-04-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a Locked Loan Estimate from Rocket Mortgage which showed a Lender Credit and NO Discount Points. This was for an 85 % Loan To Value with Mortgage Insurance. I asked if this was approved and was reassured these were the accurate terms. I later received a Closing Disclosure at 80 % LTV with over {$9000.00} in Discount Points with no Lender Credit. I asked why this changed, and they said Loan Estimates are just an Estimate. There is no assurance the Lender Credit or Discount Points do not change. I know that this is not good business and is not accurate. If you disclose an interest rate with no Discount Points and a Lender Credit you can not add Discount Points and remove the Lender Credit without a valid change. In this case my Loan to Value was reduced to 80 % which is an improvement in terms, and does not support an increase in closing costs to me. We had a 2nd issue with Rocket Mortgage where we were required to payoff a truck in order to qualify. I didn't realize until I received my final XXXX at closing, that they disregarded my bonus income that I have earned and documented for over 2 years. The result was {$28000.00} less in cash in hand which we expected to improve our home. We had a 3rd issue with Rocket Mortgage regarding our Payoff Demand. When we received closing documents we noticed the payoff demand did not reflect our most recent mortgage payment was made. We did not want to over pay and wait for a refund from the paid off lender. When we requested Rocket Mortgage obtain an updated payoff demand before we closed, they told us our only option was to cancel and re-start the loan. I have this in writing. Why would I cancel my loan and start over for a simple payoff demand update. Interest Rates were increasing at a rapid rate at this time, and I can only assume they treated us this way because the didn't want to honor our interest rate of 3.875 %. It was better for Rocket Mortgage to have us cancel our loan because they wanted us to payoff our truck, and not update the payoff demand, then to work through the issues with us. They also overcharged us for our interest rate when looking at our Locked Loan Estimate versus our Final Closing Disclosure. The Loan Amount went Down, there should not be a removal of Lender Credit or increase of Discount Points for a lowered loan amount. We felt we had no choice but to close the loan, or face cancellation from Rocket Mortage, and get a much much higher interest rate if we didn't accept the forced terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-10-27
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:
According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
XXXX  MTG XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX THE XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
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:
Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX and Transunion. Transunion and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX  nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the Gramm LeachBliley Act for causing to disclose customer information of a financial institution relating to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Please remove this account from my credit report as it is fraudulent and not associated 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a package stolen off my porch and tried to resolve this with the company I ordered from, XXXX XXXX XXXX. I have video evidence of the theft. Despite this, XXXX refused to refund me and so I filed a chargeback on my credit card. XXXX then emailed me saying they had refunded the purchase. In reality, they had not and had filed a rebuttal to my chargeback and I never received this rebuttal. I did not receive a letter in the mail nor was there ever a notification on the Chase app, which I check regularly. I called customer service and Chase said there was nothing they could do because 30 days had passed since XXXX submitted the rebuttal. Upon hearing this, I went searching for this letter, and it is buried so deep within several menus and is nearly impossible to locate. It is clear that Chase did not want me to find the letter. Furthermore, their customer service telephone hours are only during weekdays when I am at work, and have a long hold time so it is difficult to reach them if you work full time ( I work long hours in an operating room and can not make phone calls during the day ). After finally finding the letter, I found that the item that was stolen from me ( a formal dress ) was returned in the XXXX store the same day it was stolen, and was exchanged for a bunch of mens ware. Despite having evidence of this crime that I filed with the police, and evidence that XXXX knew the merchandise was stolen and still filed the chargeback rebuttal, Chase refuses to refund these charges. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have paid off 3 vehicle loans ; and credit reporting discrepancies have been corrected but my Credit Score has not improved. When my XXXX XXXX XXXX XXXX XXXX erroneously reported a 30 day delinquency ; my credit score decreased by 35 points. After disputing and getting it updated and corrected my score has not recovered the 35 point decrease, nor has it received an 35 point increase for the account being a year with on time payments and after 12 on time payments being paid off. The credit score explanation says I have serious delinquencies, when I have no delinquencies were inaccurate and have been corrected but this comment remains on my credit score and credit report.

My XXXX XXXX XXXX Vehicle Loan was paid off on XX/XX/XXXXand there was no increase in my Credit Score.

Additionally, my XXXX XXXX XXXX XXXX Account was paid off and inaccurately flagged and reported as a delinquency. Immediately my credit score decreased. XX/XX/XXXX, it was corrected, that the loan never had late payments. After disputing the information ; and the discrepancies ; the credit score explanation still shows serious delinquency and recent missed payment.

Finally, I paid off the XXXX XXXX XXXX XXXX. There has been no reflection in my Credit Score.

When viewing the Experian Whats Harming Your Score? It states Serious Deliquency and Missed Payments. Every delinquency has been inaccurate ; the creditors update the credit report, but my Credit Score, FICO Score and comments have not been updated.

Based on my accurace payment history, I should be in the Good Range 670-739. The inaccurate reporting has caused subprime rates ; higher interest rates ; higher payments and it based on erroneous information that has since been corrected but my score does not the corrections.

I have included the documents/responses from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc.

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