BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: NAVY FEDERAL CREDIT UNION
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:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Found out in XX/XX/2023 that my auto policy was renewing in XX/XX/2023 with and went from {$760.00} to {$980.00} for a 6 month policy. I spoke with 2 reps and was told that if I enrolled in the safe pilot program, I would get at least a 10 % participation discount as well as up to a 30 % discount. 

I called back when the policy renewed because I received no discount as promised by two representatives. I downloaded the app and had it monitor all driving habits 24 hrs a day for 2.5 months. 

I was then told that I had to now wait until the next policy renewal in XXXX because I was supposed to be enrolled in before XX/XX/XXXX for it to be effective for this term. I was told that I shouldve at least received the 10 % participation discount but they had no idea how to apply it. A supervisor of USAA transferred me to XXXX XXXX XXXX  of the USAA advocacy team on XX/XX/2023. 

Our initial conversation on XX/XX/XXXX went well but our follow up conversation today ; did not go well. XXXX accused me of lying about eve downloading and using the SafePilot app in the past and kept loudly saying that her decision is final. On multiple occasions, I requested to speak with someone else and informed her that her tone and mannerism were both unprofessional and unwarranted, but there was no change. 

Im told that the calls are recorded so it should be easy to hear the entire conversation. 

Ive been with USAA for 19 years which is my entire military career and use them for car insurance, life insurance and home owners insurance and demand respect, professionalism and honesty. If I was promised a discount by 2 employees on separate recorded calls ; then that discount should be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TX
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 am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-22
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : 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. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXXXXXX XXXX is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF EDXXXX ( account numbers XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX ( account number XXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX keep updating me account its paid off and its been over 7 years will not reporting to take off my credit report.This a law I open this account XXXX  They needs to remove off 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 2023-03-22
Company: Experian Information Solutions 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 am a victim of identity theft and am not aware of this activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: JP Jensen Collections, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
JP Jenson & Collections has.froze my bank account stating I owe XXXX dollars for using XXXX XXXX XXXX in XXXX. I have contacted JP Jesnon on XX/XX/XXXX inquiring why my account has been frozen XXXX my monies have been taking and was told I was being garnished. On XX/XX/XXXX I contacted JP Jenson and spoke to XXXX whom was extremely rude, I requested any documents they have with my signature be sent to me, XXXX stated he would send them shortly around XXXX I still hadn't received I reached back out and has yet to receive my documents I requested but my account is still froze. I have tried to reach XXXX XXXX XXXX bond and they are no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IA
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SYNCHRONY FINANCIAL
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 CHECKED MY CREIT REPORT AND I SEEN THAT I HAVE SOME INQUIRY ON MY CREDIT REPORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT WHERE THEY ARE SUPPOSE TO CALL TO MALE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: SC
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have met with CHASE representatives in person and over the phone since XX/XX/2022 requesting their leadership with a check for {$6800.00} made out to the XXXX XXXX XXXXXXXX stolen in the mail, falsely endorsed and then cashed by XXXX XXXX who clearly has such poor security protocols in place. Following hours and hours of meetings and communication for the last NINE MONTHS, along with CHASE representatives telling me over and over that I need to give this issue a little time, meaning XXXX days, and being told that CHASE is my representative in solving this issue, I receive without any warning a notification by email and dropped into my portal stating that MY bank has been unable to recover the funds and work with XXXX XXXX to resolve this they have given up and just closed the case. Insulting and unacceptable. 

In calling CHASE, I was told that it is due to a " law '' -- what type of law would not protect consumers and just allow banks to be incompetent, not solve the core problem, and ultimately, allow their customer to be left with few solutions. I should note that I have sent this issue to XXXX XXXX in XX/XX/2022 with no resolution and with no courtesy of a long standing customer receiving the provisional credit while the two banks sort out their issues and ultimately weak systems. This is disgraceful. The impact of this level of incompetencies on regular hardworking families is beyond reason. Please make both of these banks do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked SPS if they could provide me with the Note and Deed Holder and who this owner of my Note and Deed is on my property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. 

Instead they provided a DEED to a different property therefore, have NOT provided me with the requested documents on XX/XX/2023 CFPB claim # XXXX. I just received SPS 's response in the mail today and yet CFPB closed my case so I am having to submit again. Until I have actually received this requested information please DO NOT close my claim. 

I also would like all Assignments, Allonges, owner and holder of my Note and Deeds ' Ledger of accounting showing my alleged debt on their books, showing who paid what for my loan, when, where up to current calculations since the inception of this loan. 

To date, I have not received this information, let alone a Note and Deed pertaining to my property which I have given the loan number for. Instead I received documents on a completely different address/property! Yet, SPS claims they have provided sufficient information?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: CO
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I'm composing this complaint to CAPITAL ONE. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Mission Financial Services Corporation
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:
Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.

Company response to consumer: Closed with explanation