BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Navy Federal Credit Union on Monday, XX/XX/XXXX via the webpage. I also called them to ensure all the information was received. It was confirmed, and I was told that I would receive a call back in the next day. I called again Tuesday evening around XXXX asking for a status and needing the early disclosures for shopping and picking the best mortgage. I was told it still was not assigned. I reminded the member services representative that those had to be supplied within 3 days of application. She stated that was not the case and it normally took at least 3 days for the loan to even be assigned to a loan officer. On Wednesday, XX/XX/XXXX, I received an approval for another mortgage lender and just decided to proceed with them since I still have not heard from Navy Federal. I called them back the night of the XXXX and just explained that I was not going to proceed and my frustration with the entire process. Today, Friday, XX/XX/XXXX, I received a call from the loan officer wanted to confirm that I wanted the application withdrawn and explained that he still needed to send me the early disclosures. I explained my entire situation and told him that the disclosures should have already been issued based on my date of application. He explained they had 7 days to do this. This, of course, was news to me and I have researched this issue and all my research reveals they should have already been issued. Personally, I will no longer do business with Navy Federal Credit Union. As a member-owned cooperative, I expect more from them. I, however, do want to bring this to the knowledge of management as this is not fair to their members or other consumers. The entire purpose of the early disclosures is to allow consumers to shop and compare. In this case, I did not have that option with Navy Federal. I also explained to the loan officer that I was going to file this complaint as it is important for their success. Based on their webpage and how they advertise their mortgage process, it is extremely misleading for consumers to think they are going to get a speedy response and even required disclosures. The loan officer did explain they were having a lot of issues with this newly installed system. While I understand this, an organization the size of Navy Federal should be positioned not to allow violations such as this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF 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 non-monetary relief
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting for XXXX, XXXX  and Transunion to add my contact number in the written section of my credit report located under the fraud alerts. This gives companies the opportunity to contact me to confirm my identity i anyone or myself applies for credit. Without this contact information banks and credits automatically deny any applications done by me. Also I want to be contacted in the future by any creditor if anyone tries to apply for anything in my name. I am requesting for the written security alert on my credit file to say Due to past fraudulent activity a security alert has been added to the consumers report/ file. In order to verify an application has been made by the consumer. Please contact the consumer first at ( phone number ) before considering.

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 2021-07-16
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:
Bank of America closed my account for no reason, have high balances. And now cant withdrawal my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-05
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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged XXXX  or 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 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: American First Finance, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Derogatory fraud account on my credit report. Talked to XXXX XXXX and American First finance. The finance company told XXXX XXXX information was correct but when I call none of my information matches any accounts they have. Will not help me get it straightened out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TN
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:
The statute of limitations on debt in the state of Tennessee is XXXX years. This means that if a debt has not been repaid in XXXX years, the lender can not sue to collect the debt. 

This dept has been paid in full & was suppose to be deleted from my credit report. I'm not sure why they would update any information when there's no debt owed.

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 2022-10-17
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1800 LoanMart fraudently obtained a loan against the title of my XXXX XXXX XXXX. I do not know who obtained the loan but my information was used illegally. I had first notified loanmart of this theft in XX/XX/XXXX. A police report was then filed in XXXX of XXXX after every attempt to contact the company went unanswered. All police reports have been sent to the company multiple times. The car was stolen and a felony assault charge was placed on the repossession agent in XXXX. Again, police reports were sent to the company and all answers to have the vehicle returned were left unanswered. 

Requested information including police reports, ID and affidavit of identity theft were sent again via email to XXXX XXXX on XX/XX/XXXX the 5th business day after a letter was sent to me disputing the claim of identity theft. 
I have requested all the information that was used to obtain this loan and the documentation with a wet signature but have not been sent anything. I was told previously by a detective with the XXXX Police department that whoever obtained this information and loan did it all electronically. 
The information reported to the credit bureaus is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter to Experian, XXXX and XXXX to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Personal Information 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character

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 2023-01-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and bought another home at XXXX XXXX XXXX, XXXX XXXX XXXX Regions Mortgage held the mortgage on both. I closed on XX/XX/XXXX. I havent received a mortgage statement from Region mortgage by XXXX or by email since I closed on this property on XX/XX/XXXX. They keep sending the paperwork to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have contacted them and they continue to send paperwork to my old address. I spoke to XXXX XXXX at XXXX and it continues. I spoke to XXXX on XX/XX/XXXX and she stated that she changed my address. Someone at Regions Mortgage continues to change it back to my old address.

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 2023-07-26
Company: Block, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
We received a Square debit card with my name and address and a company I had never heard of. This suggests that someone opened a checking account with Square using my identity information. When I called Square to report it they said they didn't have a fraud department and didn't issue credit cards because they were a payment processing company. That was obviously not true since I had a card in front of me so I escalated until I spoke with someone who took my information and said they would look into it. They said they were unable to give me any information on the account, would not notify me about what happened with the card, and there was no way for me to call back and check in the future. So I'm supposed to just trust that they will do close the account when the " customer service '' person I spoke to didn't have any idea how to handle it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I have 2 accts with LVNV funding. One for {$440.00} and one for {$120.00}. They are reporting that these collections are OPEN accts which is not under FCRA compliance in being a collection acct. This is inaccurate and needs to be immediately removed from my report. Also I would like a copy sent to the address listed on my report as soon as you remove the claims. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Acct # XXXX reported inaccurate information to my credit report and Transunion has not removed it from my report. In the attachment you will see the account reporting inaccurately to the three major bureaus which is supposed to be permanently deleted and Transunion refuses to delete the account. Ive contacted and sent multiple letters but they refuse to delete. When accounts report inaccurate information this means that the account has not been verified and should be permanently deleted. The account history, payment history, dates open, and date of last payments are all reported differently.

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 2022-10-31
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX an amount of XXXX XXXX  was paid to Discover Credit Card company.The total balance which I owe them.My Fiancee paid this amount to help me.I am ever grateful to my XXXX XXXXXXXX. I got the confirmation through email that the payment was received.But after receiving the amount, the card was closed without my consent.When I asked what the reason was for the closure they are citing to an older email sent on XX/XX/XXXX which never stated the reason for the closure. 
This has caused a lot of inconvenience to me in terms of payment of bills and financial planning for my expenses.I have been using their account for more than 5 years now. 

I want your good office to instruct Discover card to reinstate my account.This is not the first time Discover card has caused me inconvenience.They are acting under the witch hunt tactics of XXXX XXXX, my disgruntled ex-employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Comenity bank provided a letter stating the balance was paid down. 
XX/XX/XXXX Customer inquired about credit reporting XX/XX/XXXX XXXXomenity replied that credit reporting was done every 30 days and told me to wait 45 days XX/XX/XXXX Balance paid off completely XX/XX/XXXX Reviewed credit report through the home buying process and because Comenity has not updated the account I am unable to qualify for down-payment assistance for XXXX  here in the state of Florida. Spoke with Comenity at XXXX this evening and was told they would generate another letter showing that the account was paid off, but had no estimated time for when credit reporting would be updated. Asked for a supervisor and the agent restated there was nothing that could be done even after four months of waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00}.

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 2021-07-16
Company: EQUIFAX, INC.
State: AR
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Did not receive the terms which were advertised. In 2011, Citibank credit card changed my interest rate service times. I was a Citi XXXX  XXXX MasterCard holder. Citibank did not accurate stick to their own policy. They denied working with me in order to settle the matter, I strongly disagree with the denial. I don't believe the company performed due diligence or even reviewed the appropriate policy terms when evaluating my claim.The credit card was offered to young college students at the location sandwich shop, by applying for the Citibank credit card the students received a free sub-sandwich. Account was garnished and ended up paying over 6,000 in settlement. When the original balance on the card was only XXXX dollars. Citibank told advantage of young college students by discriminating and unfairly targeting students. I recieved no notification of the court order nor was I allowed a chance to plead my case in front of a judge.

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