BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Moved to a new apartment in XX/XX/2022. Changed my address. Started getting e-mail alerts from Navy Federal Credit Union telling me to change my address. These alerts did not clarify why I was getting the alerts. Called multiple times and asked representatives why I was getting alerts. They told me nothing but said the issue is resolved. I logged into my account today to pay my bills and it was blocked due to address issues. Today was the first time I was told there was an issue with my address and the XXXX said I have to talk to the post office because my mail keeps getting returned to Navy Federal Credit Union. I asked to get access to my account and the XXXX refused. So I cursed her out. She said it made sense to her that my account is blocked when I have bills to pay and cant pay them. I have other bank accounts elsewhere and Navy Fed is the only XXXX with this issue.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2020 My information was sold and bought illegally because I was a victimof the XXXX data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has wipe my credit clean of this wrong doing to my credit. I will attached that as well. 

I'm asking for a deletion of these illegal accounts from my credit reports from Experian and XXXX. 

As follower : XXXX XXXX  XXXX  - XXXX Balance {$9000.00} XXXX XXXX XXXX  - XXXX Balance {$2300.00} XXXX  XXXX - XXXX Balance {$700.00} XXXX  - XXXX Balance {$1400.00} XXXX XXXX  - XXXX Balance {$4600.00} XXXX  - XXXX Balance {$4000.00}

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 explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account XXXX XXXXhas 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I applied for several loan modifications which at the time Wells Fargo informed me I qualified for. Wells Fargo sent several applications that I completed for years. They never explained to me why I was denied and I was told my only option was to short sell which I still don't believe.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX  and TransUnion to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX 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 2022-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tuesday XX/XX/2022 I noticed that my water bill payment did not go through, I logged in to check my account and everything looked ordinary. I called Chase support and I was instructed to provide an XXXX. I completed a XXXX and faxed it to the provided number coupled with my identity documents. 

On Thursday XX/XX/XXXX, I noticed that my online account had a message under my credit cards " Your account is locked ''. I called, I was then told that I needed to go to a branch to complete a XXXX. I went to my local branch, we completed the XXXX and I was told XXXX hours. 

On Monday XX/XX/XXXX, I still had the same message on my account. I called and I was told that I had to go to a branch. I went to the branch and I was told my account was pending closure and that " compliance '' needed more information that what was originally given, notably a scanned copy of my social security. We completed another XXXX along with other forms they could not disclose - with copies of my identity documents and XXXX. I was told XXXX hours. 

On Tuesday XX/XX/XXXX, my account is no longer listed, I have an alert for a {$0.00} balance- and I have no communication as to where my money is. 

I will spare unnecessary details ( delaying my marriage ) but I would like to note that at no point was I ever contacted by phone, email, secure message, mail or in-person ( at the bank ) about my account and the requirements. I have been a customer for 15 years and always kept my account in good standing. The compliance team on the phone were never helpful and often provided incorrect information ( stating that I can fax the document ). I had to consistently make contact to them ; I was respectful and provided all necessary information in a timely fashion. I did not receive any communication from them. 

I would like to know the reasoning behind this seemingly abrupt closure of my account which has been in good standing for 15 years. I have omitted names, employee numbers and transcripts for the sake of brevity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 confidentially under 15 USC 1681. 
XXXX  Account Docket or Bankruptcy Case # XXXX 1.XXXX Acct # XXXX 2.XXXX XXXX Acct # XXXX 3XXXX XXXX XXXX XXXX 4.XXXX acct # XXXX 5.XXXX XXXX XXXX XXXX Acct # XXXX 6.XXXX XXXX XXXX XXXX Acct XXXX XXXX 7XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX 8.XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX 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 adverse itemo of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s2 ( 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 2022-09-10
Company: Experian Information Solutions Inc.
State: NY
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 XXXX and Experian all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are

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 2023-05-11
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-02-26
Company: American Credit Acceptance, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX Approved for a XXXX Plus loan from American Credit Acceptance. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct XXXX : XXXX. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.

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 2023-05-24
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:
I previously disputed an account that is reporting to my credit file that is falsely reporting. The account is still on my credit despite my previous request for the deletion. I contacted XXXX XXXX XXXX XXXX and they stated that the account is not open and should not be reporting to my credit file. XXXX XXXX generated documentation as proof that I was removed from the account 2 years ago and that they can not update XXXX or Transunion because I AM NOT ASSOCIATED with the account in question. The account number is XXXX and the creditor is XXXX XXXX XXXX XXXX. The amount is {$20000.00}. Please delete the account immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.

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 2019-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance Owed : {$360.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}

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 2021-09-22
Company: National Credit Adjusters, LLC
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 status incorrect

Complaint:
I settled with my old credit card company The XXXX XXXX XXXX  years ago. ever since they have sold off the balance to various collection agencies to try and collect the balance. I have had the collection removed from my credit report in the past and now have opened the dispute with all three again. they have sold the account to National Credit Adjusters fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.

Company response to consumer: Closed with explanation