BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an inaccurate account ( " XXXX XXXX XXXX XXXX '' ) listed on my credit report and the information being reported does not belong to me. The Fair Credit Reporting Act states that only 100 % accurate information should be reported to my credit file. 

On XX/XX/XXXX, I purchased a credit monitoring service with XXXX and received detailed information on this account. According to the XXXX XXXX credit report, " XXXX XXXX XXXX XXXX '' has been inaccurately reporting a vehicle lease on my credit report since XXXX. I have never purchased or leased a vehicle through XXXX before. 

In XX/XX/XXXX, I settled this account because it was hurting my credit score very badly. At the time, I did not notice this inaccuracy until I just recently purchased the XXXX credit monitoring service on XX/XX/XXXX. I filed a dispute with Experian last year, however, this " vehicle lease '' information was and still is not obtainable through Experian.com directly, it only shows on XXXX. 

I contacted XXXX and obtained the Lease Agreement for this account. On page 3 of the Lease Agreement, it shows that this account is not a vehicle lease. Under the " definitions '' section on page 3, the description for this lease purchase is " XXXX XXXX XXXXXXXX XXXX XXXX '' Platform '' and also states on that same page " XXXXXXXX XXXX XXXX  '' was the name of the company who sold the property. As result of this documented inaccuracy on my credit report that allegedly violates my consumer rights, please remove this account from my credit file indefinitely. 

According to the Fair Credit Reporting Act, the law that governs the treatment of inaccurate or unverifiable information explicitly states : " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2023-05-16
Company: Experian Information Solutions Inc.
State: OR
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:
I have reported inaccurate items on my credit report and have repeatedly requested the information to be investigated and delated and the credit bureaus have ignored my request. Misspelled names, old address and past employees that I no longer work for.

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 2023-01-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 received a copy of my consumer report from XXXX XXXX XXXX which contained me personal information from Navy Federal Credit Union ( NFCU ). The accounts I hold with NFCU are personal checking and savings accounts. The terms and conditions for Navy Federal Credit Union explicitly state on pages 16 & 17 that NFCU DOES NOT share personal information with nonaffiliates. XXXX XXXX XXXX is a nonaffiliate. NFCU and XXXX XXXX XXXX intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, NFCU and XXXX XXXX XXXX  violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that NFCU ad XXXX  XXXX XXXX  should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of 1974. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically UDAAP, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which XXXX XXXX Services is a nonaffiliate. Other laws provided by the SEC, FTC, DFPI, CCPA, and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX  just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I moved to the XXXX from XXXX in XX/XX/2022 and opened a checking account with BOFA in XXXX. 
I have submitted my passport and the address I'm staying at during the account opening at XXXX XXXX. 

All of a sudden on XX/XX/XXXX morning, I got an email saying my account balance is XXXX. I'm shocked because I have 2 months of savings of XXXX USD in my checking account. I tried logging into my account but it didn't allow me to login. I called customer care service but they refused to provide details saying that my account is closed. I was in a panic situation that I lost all my money or maybe someone hacked my account. 

I rushed to the nearest banking branch in XXXX and got to know that my account is closed because I didn't provide address proof. I've never been asked to provide any address proof or didn't get any mail or email asking for address proof. I was never notified that my account is going to be closed. 

How can they take control of my money? Don't I deserve to be notified about the actions you take on my account prior. Without asking/notifying how would I know that I have to submit the address proof? 

When I contacted customer care they said they can't provide details cause my account is closed already and suggested me to visit financial center. When I visit financial center they said they also don't have information and they gave me one more contact whom I can reach out - XXXX and this team kept on hold for more than 3 hours but didn't provide any information instead asked me to callback next day. 

Are they doing this to me just because I'm on a XXXX  here in the XXXX. Will you do the same if I'm a XXXX XXXX?

Currently I don't have any money with me. All my 2 months savings are blocked in that account they closed without any notice. My biweekly payroll is cancelled cause I don't have a valid checking account. How will I survive now? Do I have any rights here? 

I'm traumatised because of all these events and need someone to help to fix this. 
is this all happening following a due process or they just targeted me? 
Please come back with an possible explanation on all these events. 

Thanks XXXX XXXX phone : XXXX online banking user id : XXXX I can provide you more details about my account info if required.

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 2023-03-06
Company: GUARANTEED RATE INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a FHA loan with Guaranteed Rate, everything was going smoothly. Due diligence was scheduled to end on XX/XX/XXXX, suddenly on the XXXX Guaranteed Rate said that I would need a co-signer to be able to get the loan. I started shopping for other companies that would be able to close the deal. XXXX XXXX took a look at everything and said that they will definitely be able to work with me. I called Guaranteed Rate at XXXX XXXX on XX/XX/XXXX and asked them to transfer the file over as I can't find a cosigner. Around noon XXXX of Guaranteed 's employees emailed XXXX saying that they would need something in writing from me to authorize the transfer, I immediately responded around XXXX stating as such. I called Guaranteed  to make sure that everything was being handled, and was told that XXXX was working on transferring everything over, this was around XXXX XXXX. At the end of the day XXXX 's underwriter pulled the file and was going to begin working on it, this is when it was discovered that someone at Guaranteed had filed in the FHA portal that I was denied due to lack of income and funds. This is false information, I have the cash on hand needed for closing, and work a full time job that makes more than enough to cover the mortage, utilities, and cost of living. At no point did any employee of Guaranteed Rate say that I was denied until magically receiving an email dated XX/XX/XXXX. This is obviously in retaliation of my pulling the file from them and going with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My insterest rates are so high that I ca n't cover XXXX payment because that XXXX payment is more than XXXX of my paychecks and I only get paid twice a month. I called navient and they do n't want to help me or hear it. I have called them so many times now and ca n't get anywhere. I literally feel at a loss because I do n't know how I 'm going to actually live have to make over a XXXX dollars in XXXX payment. They refuse to decrease the monthly payment. They even told me I do n't qualify for an income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: MA
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:
On XXXX XXXX, 2022 I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$14.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've contacted Equifax several times with multiple disputes that were closed as successfully fulfilled and no action to suffice the problem was taken. 


I ( upon signing into Equifax to view my report ) am not able to access any information..that being any information from ( CREDIT REPORT- Drop down tabs ) - summary tabs drop down, person information, revolving accounts, mortgage accounts, installment accounts etc., - Everything is showing XXXX ' and no data. 

When I click the 'Credit Report ' tab it's displaying the same credit score since XX/XX/XXXX and it's likewise stating the last update as of XX/XX/XXXX and last credit score update XX/XX/XXXX Recently Equifax ( through means of XXXX XXXX  ) reduced ( deducted XXXX points from my score ) due to a decreased credit card balance. 

In this case of a decreased balance Equifax SHOULD NOT have reduced my score. This violates every Consumer protection law as with those in connection with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. 16921692P. This is a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
This is XXXX XXXX XXXX submitting this CFPB complaint requesting the removal of the disputed account and information from my Credit File. It appears that my Credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX 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 2023-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Portfolio Recovery Associates , LLC and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau 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 account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Stearns Ventures, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage for 3 months with Stearns lending. It was taken out automatically on the first of every month ( XXXX, XXXX, and XXXX ). I noticed on XXXX my mortgage was not auto deducted, so I went on my account to see that my loan was sold to another lender. I have received NOTHING. Assuming it was lost maybe in the US Mail, I logged back into my account to find a number to call to try and get ahold of a live person to find out who is servicing my loan and there is NO OPTION ON ANY NUMBERS to talk to a live person. There is no documentation on my account as to the transaction. Right now I have on way of knowing who has my loan and it is 5 days past the due date!

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 2022-10-15
Company: OneMain Finance Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent more than one cease and desist letter to OneMain Financial as well as requests for validation of this alleged debt. I then submitted a complaint and they responded. For some reason my CFPB account wouldn't let me change my password as I forgot it, and I am just now being able to log into my account to respond. I had to resubmit my complaint due to it being closed and once I did the CFPB system rejected the complaint. Thats the reason for the delayed response. I spoke with a CFPB representative and she recommended I submit my response differently so it doesn't get rejected. 

Attached is my response to your response explaining why you are in default, this debt is not valid and I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: MD
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:
I filed forXX/XX/XXXXXXXX bankruptcy protection on XX/XX/XXXX. The Target/Td bank store credit card in question was included in the XX/XX/XXXXXXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my XXXX report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my XX/XX/XXXXXXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. Target TD bank had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with XXXX as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, XXXX such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we filed complaint XXXX XXXX. We have tried to find out what the problem was for two years as we kept getting delinquent notices, please review the prior documentation regarding this case. 
BofA was supposed to make the payments from a BofA escrow account to BofA 's mortgage. After countless phone calls and in person visits and raising this up to supervisors at BofA nothing was resolved. Every month a credit was made from our XXXX account to BofA escrow account on time. It seemed that no one at BofA could help us resolve this issue. 

We decided to cancel the BofA escrow account because of their incompetence in making our payments on time. 

We received a check dated XXXX for closing this escrow account on XXXX. We never found out where a payment was missing since the inception of our mortgage. BofA 's response to our initial complaint through CFPB, was received and there was one sentence that pointed out where the problem was, " Please note, this check included a refund of the payment received in XX/XX/XXXX in the amount of {$1400.00} '' I am an XXXX XXXX and the horror you have put me through since the inception of my mortgage could have been resolved over this two-year period with the countless phone calls visiting branches imploring for help and assistance. 

Please review the letter received.

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