BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of XXXX I tendered payment in full to Navy Federal Credit union for the full settlement of a consumer loan, in good faith, even though Navy Federal had and has violated numerous regulations and laws in regards to the rights of consumers as pursuant to federal law by way of XXXX XXXX  Title 41. Navy Federal sent me a statement in XXXX of XXXX showing a {$0.00} balance on said consumer loan. I allege that well over a year later Navy Federal committed theft, conspiracy, breach of peace by illegally contracting an unknown assailant and criminal to trespass upon me, my name and my property and illegal steal my vehicle. This assailant illegal came unto my property, an disturbed myself, my wife, and my XXXX XXXX XXXX and XXXX XXXX XXXX daughters and disrupted their lives by illegally " repossessing : '' my vehicle in which he has no right to. I reached out to the XXXX XXXX Police department and they informed me that they had no notice that any vehicle of mine was up for repossession. I allege that Navy Federal has broken the law. I intent to go public with this matter. I intend to immediately file a 3949 form, accompanied by a 211 form with the IRS calling for an immediate audit and investigation. I will also file a 1099C because I need to report this as income with the IRS as Navy Federal has defamed or plans to defame my character by threatening a " repo '' and " charge off '' on my consumer report and allege that I owe a large sum of FRN 's that Navy Federal previously notified me was settled. I intend to bring this matter to the attention of the FTC, FCC and the National Credit Union Administration. I also intend to file a lawsuit for defamation of character, pain and suffering, as well as emotional distress as my life, employment, my wife and kids lives have been greatly affected in the most negative way by this event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-10-02
Company: Experian Information Solutions Inc.
State: PA
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 have a fraudulent account currently appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Account name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN.

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 2021-07-09
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have used the mail and multiple fax requests for Hyundai Motor Finance to transfer a record of my title to my new state of residence and despite following their procedure and several weeks of phone calls they are not doing so. 

I believe they have either lost my title or have some other reason to deny compliance with my request. It is preventing me from registering my car. 

I have called nearly twice per week for a month and been unable to resolve this.

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 2023-03-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$82.00} XXXX XXXX GROU {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-05-21
Company: GREAT LAKES
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
COMPLAINT AGAINST : XXXX XXXX XXXX XXXX XXXX, XXXX, WI. 

Great Lakes are the servicer for six XXXX federal student loans in my name, taken out between XXXX and XXXX, and two XXXX  federal student loans in my name, taken out in the summer of XXXX. 

Since XX/XX/XXXX, I have been in monthly contact with Great Lakes regarding discrepancies in my balances for which they can not ( or have not ) account. 

In early XX/XX/XXXX, I noticed the balance on one of my XXXX  loans, token XXXX, had changed, so that the principal amount had reduced from {$21000.00} to {$20000.00} ( the original amount borrowed ), and the interest balance shot up from around {$240.00} to {$1200.00}. 

I first called Great Lakes on XX/XX/XXXX. I was told my account was under review and I would have to check back later in the month. Several times over the course of XXXX, I called back to investigate this, and I was told each time that Great Lakes had " corrected an error, '' but they could not provide me with any further detail. 

Between XXXX and today ( XXXX XXXX ), I have made {$1900.00} in payments to the loan account containing token XXXX, overpaying each month by an average of $ 400- {$500.00}. I had instructed Great Lakes to apply any excess amounts to token XXXX. By my calculations, I had reduced the {$1200.00} interest balance on token XXXX by {$940.00} as of XX/XX/XXXX. 

Yesterday, I checked my Great Lakes online account to see that the principal balance of token XXXX had returned to {$21000.00}, and that the interest balance remained at {$220.00}. My overall principal balance had increased by {$830.00}, without explanation or notice. 

I called Great Lakes today, XX/XX/XXXX, and spoke with XXXX, who told me that all of their records from XX/XX/XXXX onwards list my principal balance as the higher number. 

I have payment records from Great Lakes issued between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that directly contradict this statement. I feel Great Lakes are being fraudulent as regards the amount I owe, and I believe they have retroactively altered their records to support this predatory conclusion. I am deeply troubled that this company apparently has the authority to alter my total principal balance ( either increasing it or decreasing it ) without my knowledge, consent, or, apparently, any regulatory oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: NC
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 following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2018-11-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, we ( my fiance and I ) submitted our mortgage information ( bank account numbers, Social Security numbers, etc. ) through a fax machine. We sent the papers to a fax number that was on a Navy Federal fax cover sheet. We received notification that it successfully went through. Navy Federal ( they ) emailed us after asking if we submitted our documents. On XX/XX/XXXX we realized that Navy Federal had not received our paperwork. We were told on XX/XX/XXXX that it was at a Navy Federal and they needed to locate the paperwork. On XX/XX/XXXX Navy Federal realized the documents were not in their possession. On XX/XX/XXXX they said they received communication from the law firm " found a fax that Navy Federal sent but they did not have our forms '' ( Navy Federal did send a fax in the beginning trying to locate the papers ). We called the law firm, not believing Navy Federal and they located our forms within 5 minutes of the start of our conversation. The law firm did destroy the papers. Navy Federal apologized however they refuse to provide any compensation or sense of security of our private information as we " did not lose any money '' and " it was a glitch in the system as to why they provided the wrong fax number. '' Attached I have my call log of who, when, the phone number and anecdotal notes of what was said. I even included the law firm 's contact information too.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

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 2023-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XXXX {$76.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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