BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXXXXXX  to XXXX XXXX  witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. 
this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they  responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Although I am on the SAVE Plan with a {$0.00} payment, I am still being incorrectly charged interest on my student loan. I have called numerous times and spent hours on the phone to get this corrected and each time I am given various excuses on why it has not been corrected and a new timeline on when it will happen. I am one of the numerous people that never received my bill for XXXX which started the issues. I was assured the interest would be removed from my account, I would receive a copy of my billing statement, and I would receive credit for the month but none of those items has occurred. I still have not received a copy of a billing statement or any documentation after multiple requests to prove that I am receiving credit towards PSLF or income driven payments with my {$0.00} SAVE plan payments so I have no faith that they are correctly tracking those items. MOHELA is not following the stipulations of the SAVE plan as evidenced by my ballooning loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: WA
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 company XXXX provided a letter of proof of payment and Experian fail to update and remove the dispute

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 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
was to buy a car from XXXX XXXX XXXX XXXX XXXX of XXXX Iowa via they're web site for agreed price of {$49000.00}. car was to be transported to my address after money was wired from my bank, XXXX XXXX XXXX Bank of America account # XXXX money was wired on XXXX XXXX, XXXX car was never received, I notified XXXX XXXX XXXX XXXX in early XXXX received a case number XXXX, have not heard back

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 2023-06-19
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NV
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

U S DEPT OF ED/XXXX Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX Accounts have been reported has violated my rights 15 U.S.C 1681 section 602 A. which states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions Furthermore, On XXXX, XXXX 2022, TransUnion Credit Bureau has replied that the above accounts has been reported as " Verified '' but did NOT PROVIDE any PROOF how it VERIFICATION FOR ACCURACY or written authorization to report personal information. 

Information is incomplete, inaccurate, and must be verified or must be removed.

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 2022-05-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a charge to my account in the amount of {$300.00} on XX/XX/2022 from " XXXX The Midwife '' in which services that were involved with that charge were never fully completed. 
I tried to resolve the issue with the merchant, but they refused and I disputed the transaction with Chase on XX/XX/2022. 
On XXXX, XXXX XXXX  Chase claims that the services " were '' completed, but indeed the services have not been completed and Chase hasn't furnished any evidence that would suggest services were completed and is solely basing their decision off of what the merchant has claimed. I've had to get the services completed through another source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted

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 2023-02-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
During my marriage from XXXX, my ex-wife added me to her credit card with Navy Federal and maxed out the card without my knowledge. She also go another credit card in my name with the company and a personal loan as well. I am not able to I owe almost XXXX dollars due to her misuse of my personal information and funds. I would like this solved with navy federal so that I may do business with them in the future and open an account. I am now divorced and this was not my fault. I am not able to contact my ex. She was violent at times and I have no contact with her. 

I am a XXXX veteran and unable to pay the amount that was charged. Due to this, I am not able to do business with this credit union. I was a longstanding customer with this bank and I can't even get a bank account with them due to this situation. 

Please help me resolve this with Navy federal credit union. 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 2022-10-06
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:
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. 

Account Name : XXXX XXXX /Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Public Record : XXXX XXXX Bankruptcy / Refence Number : XXXX The accounts and public record listed above has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 an 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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BMW Financial Services NA, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question was opened XX/XX/XXXX. Ever since I discovered it, I've been trying to correct the error. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX everytime I dispute the validity of the account, asking for the legal documents that verify that I'm responsible for this account, all I get in return is " BMW certified the account as accurate without any evidence without any evidence of the certification. As a result the erroneous report still remains. 

I've been turned down for home loans, business loans as a result of this negative and inaccurate report from BMW Financial Services. XXXX is the account number on file XXXX. 

I'm yet to receive any physical communication with evidence that I own the account. This account has gone through collection phase, charged off phase in XXXX reported paid as agreed In XXXX XXXX XXXX and now in charge off phase again. These irregularities and re-ageing has cost me a whole lot. Not only will they not provide me with the proof I asked but still report the account as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.

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 2023-06-09
Company: Sunnova Energy Corporation
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I live in XXXX XXXX, and we own solar panels that were installed on our home a few years ago by a company called XXXX XXXX, this company is wonderful. My familys complaint is with Sunnova, the company that financed the solar panels for us. We had no issues during the first couple of years of our business relationship, but in XXXX of XXXX when I logged into the state exchange to sell our solar credits for cash, I found out that something was broken in our system. 

We had generated XXXX XXXX from the beginning of XX/XX/XXXX through the end of XX/XX/XXXX. The going rate of XXXXXXXX XXXX  of energy in XXXX for me was {$220.00} per credit, meaning that my wife and I, as well as my XXXX XXXX children are owed {$2400.00}. I called XXXX XXXX and they sent someone out to see what was wrong with my system, and figured out that an inverter was broken and needed to be replaced. When that was replaced, my old credits disappeared with the inverter. 

Additionally, the inverter breaking meant that even though we were generating solar energy every day, my XXXX XXXX panel showed XXXX XXXX generated for the months of XX/XX/XXXX through the end of XX/XX/XXXX. 

XXXX XXXX officially replaced the inverter on XX/XX/XXXX, and on XX/XX/XXXX, I reached out to Sunnovas customer service via email, formally trying to file a loss of production claim. The terms of my signed contract with Sunnova are quite clear that they are the provider and that they would provide a loss of production guarantee and that this would be within the 30 days. 

I have received specific promises over the phone and via email from customer service and resolution specialists who start off making me feel like this is going to be resolved soon, to then reverse course with weeks of ignoring my phone calls and emails. 

They approved {$920.00} on XX/XX/XXXX, for the XX/XX/XXXX XX/XX/XXXX production case. I have asked repeatedly where this money is, and I keep getting ignored or told things are still pending. Earlier this week, I got conflicting emails from two different agents at Sunnova : one told me my case was closed and another it was still pending! 

It seems that Sunnovas strategy is to wait until I surrender, which I have assured them I have no intention of doing, which is I why I reached out to the CFPB. I had hoped it wouldnt come to this since my wife and I pay them on time every month and have contract with them for just under {$35000.00}.

Company response to consumer: Closed with monetary relief