BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX, Experian received my claim, which they disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report because these accounts are not mine. 

The accounts that are incorrectly reported are the following : 1 ) XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

2 ) XXXX XXXX ACCOUNT # XXXX, Date Opened : XX/XX/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 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
Ive recently checked my credit report and saw accounts reporting that I have not authorized or given these companies permission to publish on my credit report Collections : 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 2023-02-27
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
During XX/XX/XXXX I went into the advantage XXXX XXXX XXXX XXXX in XXXX XXXX with {$5000.00} to make a purchase for a vehicle and I work with the salesman XXXX XXXX. 

I arrived at the car dealership with myself and my two children I let him know that I wanted a new vehicle and how much I had to put down as a down payment he immediately told me there was only one vehicle that he could show me and demanded that I pay him {$2500.00} out-of-pocket through XXXX XXXX and then I paid XXXX to the dealership because that was the only way I would be able to get the vehicle. 

About 30 days later exactly the car went out. I demand it at the dealership come and pick up the vehicle from my driveway and return my money and they refused to they only offered to fix the car which they took to two or three different car shops in the car was still never truly fixed. iKn addition, it was in the shop for over four months after that it got out of the shop for about 30 days and was in the shop again for another month over the course of eight months, I was only able to physically drive the car two and fell behind drastically on the cardinal and ultimately the account was charged off and the car was repossessed. 

The vehicle in question is a XXXX XXXX XXXX I spent over {$5000.00} at the car dealership that day and the contract that was drafted up by the salesman and finance department only reflects {$3000.00} I'm demanding that this contract is null and void and this be removed from my credit immediately this dealership practiced fraudulent lending. They committed consumer fraud and this needs to be removed from my credit immediately because I'm a vulnerable buyer and I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: OH
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX XXXX Standard Time, I called Navy Federal Credit Union to make a credit card payment, as I had done so many times during the past XXXX years. I also called to request assistance with online technical support. I spoke with customer service supervisor XXXX and I explained to her in detail that I needed to make a credit card payment on XX/XX/XXXX because it was due on that date. I also explained to XXXX that I needed to speak with a representative in online technical support, because I had recently reset my online password on the XXXX website XXXX XXXX XXXXXXXX and when I was prompted to sign in I got an error message stating that I had exceeded the maximum number of sign-in attempts and I needed to reset my password. I repeatedly explained to XXXX that that was a mistake on the websites part, because I had tried to log in only one  time. 

To my surprise and disappointment, XXXX refused to help me with my credit card payment and she did not allow me to speak with anybody in online technical support. She told me I was not the person I said I was and in order for me to have access to my account I was required to submit a signed written request with a copy of my identification card, plus two recent bills or statements with my full name and address on them, and send them through US postal service to XXXX main office.. I told her I didnt understand, I called many times before to conduct this and other types of transactions and I had not encountered any issues to access my accounts. I told her I had many accounts with Navy Federal Credit Union and most importantly, I needed to make a credit card payment that same day. Instead XXXX hung up the phone on me. 
I was in distress because I was worried about not making my credit card payment on the due date. XXXX very responsible with my financial matters, I have a good credit history and a high XXXX XXXX and I want to maintain it that way. Furthermore, I suffer from anxiety and XXXX and the incident with XXXX couldve had worse consequences for me. 

While I certainly understand and appreciate Navys effort to protect my information, I dont understand why XXXX XXXX arrived to the conclusion that I was not the person I said I was. She did not use any type of recourse, such as reaching out to senior management for assistance or advice, to further determine if I was the person I said I was. XXXX could have contacted me by phone, email or XXXX mail regarding this matter, yet as of XX/XX/XXXX they have failed to do so. This should be a learning curve for Navy Federal Credit Union, to help them better handle these incidents and develop more efficient ways of determining the identity and legitimacy of their members. To prevent future mistreatment of any other member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have recently been a victim of identity theft and am trying to reach Experian and after interacting with their website today, i know there is fraud activity with the user name Experian has for me and my SSN. But when trying to reach a human to talk to, their system will Not allow me to speak to an actual customer service Human. After numerous attempts to call the number THEIR SITE is telling me to call, their IVR system will NOT allow me to reach a Human. How can a credit bureau company not allow me to contact a human. 

When trying to reset my password, it wants to send an email to an incorrect email. Somehow the thief has stolen my information on Experian 's site and must be sending the thief the password reset link to an email address not controlled by me. 

I then attempted to sign up for their membership, agreeing to PAY their fee. Using new user name and password to sign up for the membership, it tells me i'm using the wrong info and shows me a page with a phone number to call ... But when i call.. same thing- IVR system gives me no option to speak to a human. It's very frustrating when a credit bureau company, charged to protect my PII does not have Humans who i can communicate with. 

You, as the CFPB - please assist me and get this changed for future consumers. Also if you have a phone number i can reach a human, please email it to me at 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 2023-09-21
Company: Experian Information Solutions Inc.
State: MD
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:
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.

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 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 2023-04-24
Company: EQUIFAX, INC.
State: WI
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:
I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: NV
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:
I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 my business bank account was closed for no reason at Old Nation Bank. 
I asked why and XXXX XXXX, XXXX XXXX who is the manager would not give me an answer to why. My account was not abuse or in negative or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 Capital One Auto Finance # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right 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 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose. 

Also, this account has been paid in full and hurts my credit and ability to finance in the future,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX  Travel Card through Citibank, and I had a {$6.00} balance on the card, due XX/XX/2020. I attempted to pay it XX/XX/2020, and per the Citi website it posted XX/XX/2020, but returned XX/XX/2020, with no reason given as to why. I attempted once more on XX/XX/2020, this time trying to make the minimum payment of {$6.00}, and it posted XX/XX/2020, but returned XX/XX/2020, again with no reason. I was issued a late payment charge of {$29.00} on XX/XX/2020 as well. I called in to their line, and they informed me that an account number was incorrect somewhere, and transferred me to their collections department, who then said that I was at fault and I shouldn't have trusted their system when it informed me that the payment had been made.

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 2021-04-14
Company: CONRAD CREDIT CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified mail was received on XX/XX/2021 by ( debt collector ) requesting validation of debt.They responded with medical records, a Direct violation of HIPPA regulations.Not only did these documents have proedures and /or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed HIPAA form authorizing access to any such medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing grievance against New Rez, https : //www.newrez.com/ I have been a victim of discrimination by my mortgage company, New Rez while applying for refinancing my home. I was denied the lower interest refinancing option even though I already have a mortgage with them at a higher interest rate. They delayed the process of closing after locking in the rate and offering a conditional approval 3 months ago. After completing the appraisal of the home and home owners insurance clearance, survey of my home by underwriting, New Rez denied me the loan. They were advice of my earning potential and temporary loss of income due to temporary XXXX. 
My loan was handled by multiple loan officers and underwriter and mistakes were made by New Rez in the application process. I was later wrongfully denied the loan and discriminated against and victimized by New Rez. Now I am caught between a rock and a hard place as I still have the mortgage with New Rez at a higher interest rate and was denied refinancing with them at a lower interest rate. I am seeking justice and requesting them to close the loan by XX/XX/2021 before the locking rate of 2.25 expires. They have denied my the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2022 at XXXX p.m. I received a text from Chase Bank stating " JPMORGAN CHASE fraud Dept. Did you attempt a {$5000.00} XXXX- Transfer? Reply YES/NO/HELP Don't want fraud text? Reply REMOVE In which I responded " no '' and then I received " Glad that wasn't you! The transfer is currently pending, a JPMORGAN CHASE Bank representative may reach out to you shortly '' Approximately 5 minutes later I received a call from Chase. The gentleman stated he was calling from chase fraud dept and gave me an agent id. He proceeded to tell me someone had requested a XXXX transfer of {$5000.00}. After I told him I did not request XXXX Transfer he proceeded to tell me that I need to reverse the charges from XXXX to send the {$5000.00} back to me. He requested that I transfer {$1600.00} from one account knowing exactly how much was in that account. He then proceeds to tell me that I needed to transfer {$3300.00} from the account that had {$6600.00}. It was as if he could see my account and how much money was in the account as the numbers, he was stating matched what I was seeing. He did try to get me to transfer more but I had reached my daily allowance in withdrawals. After hanging up with him I received another text from Chase stating the same as above then followed by another call from the gentleman telling me to disregard the text further leading me to believe it was Chase calling me. A little later I proceeded to call Chase because I did not feel good about things. Chase did file a fraud report. The next day I received another text from Chase stating the same thing as above. 
It was then followed by a phone call. I did contact Chase to let them know someone was trying to get me to XXXX more money but they were not concerned about it. The following day I received another text, followed by a call and again Chase was not concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-02-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation