BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I placed my FHA mortgage on forbearance in XX/XX/2020 while it was still current as we are XXXX and had major financial setbacks due to XXXX. Navy Federal Credit Union has consistently added interest and LATE fee 's and reported those amounts to the credit bureaus which has effectively made my credit scores go much lower. It appears that I am over my credit " limit '' on my mortgage account over {$4000.00}. I also am aware that NFCU has suspended doing FHA loans at all so I feel like this is a way to eliminate existing FHA loan customers. I recently requested to come out of forbearance last week and have heard nothing from NFCU until last night when my account was placed on restriction due to having a delinquent debt ( mortgage ) and have attached screen shots showing that. I also had to answer questions last night about my mortgage before I could do anything else or access any other checking accounts confirming the amount that was now due ( {$4200.00} ) and how I intended on paying that balance and nothing about a stand alone claim which I thought I had applied for. Access to my mortgage online is and has been restricted for quite some time. I was then informed that I needed to contact them to seek other options as my past due amount from forbearance was due by the end of the month giving me 2-3 weeks. I also inquired this morning to 2 representatives on the phone as to why my account privileges were restricted now and no one I spoke to could answer that question. I am being treated like I have done something wrong. Additionally, I applied for a secured credit card that was recommended after being pre qualified for a credit card and had several hard pulls on my credit report only to be denied because I was delinquent on my mortgage! I just checked my credit score and because I have done everything I could to offset the negative additions to my loan balance by NFCU, it is now up to XXXX. I thought NFCU was trying to help its members financially when all they have done is try and punish me even though i have never been late on any of my loan accounts since being a member. If I can not get this resolved I will start contacting some legal resources and have them assist me since this should not be happening to those of us who have had XXXX and have struggled with this pandemic for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
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 has come to my attention, that XXXX XXXX XXXX has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report XXXX XXXXXXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct XXXX XXXXXXXX, balance {$170.00}. Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

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 2023-10-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I went online and received a copy of my credit report. To my surprise I learn that I've been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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

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 2023-12-13
Company: Albert Corporation
State: CT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
The Albert prepaID Card states that it pays 2 days in advance. But it doesn't it gives you the buddy Thursday morning around 2 AM.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} and XXXX 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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Searching for a hotel room on the XXXX website I came across a banner at the bottom of the web page which offered a {$200.00} statement credit after 1st purchase. I clicked on the banner and was redirected to a site where I applied for the credit card. After receiving my 3rd statement, I called to inquire as to why I had not received the {$200.00} statement credit ( the promotional offer ) that had convinced me to apply for the card. The first person I spoke with said that they could only put in a request to look into the matter. I then asked to speak with a supervisor. The supervisor I spoke with said they could only provide me with another offer, which was XXXX reward points. I explained that the promotional offer they were trying to offer me was not the original offer that had convinced me to apply. So, I requested to speak with their supervisor and was kindly connected. The third person I spoke with, XXXX XXXX in XXXX, claimed that they could not " downgrade '' me to the original promotional offer because of policy. I explained that it is frustrating to be offered one thing and then given another. I asked her if I could speak with her supervisor and XXXX 's response was that her supervisor was " not a phone supervisor, '' so I asked how I could get a copy of the transcript of the conversation. XXXX 's response was " with a subpoena. '' It is exceedingly disappointing that Chase would use bate and switch tactics. It is clear that Chase would rather have XXXX provide me with a promotional offer of XXXX points as opposed to Chase having to provide me with the {$200.00} credit statement. However, the most appalling part was that I was antagonized to take legal action by XXXX XXXX, this type of conduct is irresponsible and unbecoming of a customer service supervisor. My prayer is that Chase honors the promotional offer that convinced me to apply for their card and that both XXXX and especially Chase take the time, effort and resources to deliberate if this is how they wish to treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

XXXX. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
at the time the situation occured i was not aware of the finaicial burden it was going to create for my life and for my credit now i am homeless and not finiacilstable to pay this collection that has rising XXXX up for the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 credit acceptance reported a late payment on an account I settled with them in XX/XX/2021 2021

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 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
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:
It has come to my attention, that XXXX XXXX XXXX, XXXX XXXX  has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report XXXX XXXXXXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct XXXX XXXXXXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I write to you with a deep sense of concern and disappointment regarding an inquiry on my credit report, originating from XXXX XX/XX/2023. It has come to my attention that this inquiry not only stands as an unjustifiable blemish on my credit history but also a direct infringement of the provisions outlined in the Fair Credit Reporting Act ( FCRA ). I believe you are aware of the FCRA and its importance in ensuring the accuracy and fairness of credit reporting. It is evident that in this case, you have disregarded the very tenets set forth by this legislation, including but not limited to sections 15 USC 1681 and 15 USC 1681a. 

Allow me to remind you that the FCRA explicitly defines what constitutes a consumer report and further outlines exclusions from this definition. Inquiries, such as the one from XXXX XX/XX/2023, fall within the purview of exclusions from a consumer report as per the stipulations in 15 USC 1681a . It is abundantly clear that you have overlooked this vital aspect of the law, leading to the inclusion of an unauthorized inquiry in my consumer report. 

Your actions have not only caused undue distress but have also placed me in an unfavorable financial position. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. Your oversight has left me with no choice but to address this matter with the urgency it deserves. 

I hereby demand that you promptly and unconditionally DELETE the inquiry from XXXX XX/XX/2023, from my consumer report. This request is not just based on my dissatisfaction but on your non-compliance with the FCRA, a law that was established to safeguard the rights of consumers like me. 

I expect to receive written confirmation of the inquiry 's removal within 10 days from the date of this letter. Failure to comply will leave me with no alternative but to escalate this matter to appropriate regulatory authorities and legal representatives specializing in consumer rights and FCRA violations. I am prepared to exercise my rights and pursue necessary actions to rectify this situation.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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've ask Experian to investigate XXXX XXXX XXXX, There is an inaccurate account that shows up on my credit report that should be remove 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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: DEBTWEBEX, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Debtwebex is tiring to collect on an 19 year old debt and from exempt funds from my DECEASE father these people are crazy there dunning letter has none of the required wording in it as to state the statute of limitations there XXXX XXXX debt collection licensee the amount of debt whom the debt came from saying that they will report the past 19 year old debt to the credit reporting agencies

Company response to consumer: Closed with explanation