BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check via mobile deposit for {$10000.00} into my business checking account on XX/XX/2022, received an email on the same day saying that my deposit was approved with a XXXX business days hold. The following day XX/XX/2022 I deposited another check of {$10000.00} via mobile deposit I received an email the same day stating that the deposit was approved with a XXXX business days hold. 
On Thursday XX/XX/XXXX, I went to the branch and deposited a check for {$7500.00} and the teller told me it was approved with a XXXX business days hold and my receipt stated the same. 
Based on the holds I waited until Friday XX/XX/XXXX to issue checks to my contractors. On Saturday XX/XX/XXXX, my account balance is only {$170.00}. I called NFCU and they told me that on XX/XX/XXXX all of my checks were put on a XXXX business days hold, and I wont have funds until XX/XX/XXXX and XXXX. I want to be very clear that at no point NFCU notified me of the extra hold time. They are holding over {$27000.00} in deposits. They are not small business friendly and this is affecting me and my business, my client is asking where is her material and I have to cover that with credit cards or with my savings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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:
Re : Reporting Experian 's Failure to Verify Bankruptcy Information Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a significant concern regarding the accuracy of my credit report and the verification of a bankruptcy entry by Experian. I believe there is a discrepancy in their reporting process that needs to be addressed. 

The bankruptcy in question is as follows : Creditor Name : XXXX XXXX XXXXXXXX - Date of Bankruptcy : XX/XX/2015 Experian has verified this bankruptcy entry on my credit report, but I have obtained official documents from the bankruptcy court that clearly state they have not provided any information to Experian regarding this bankruptcy. This raises significant concerns about the accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) in the verification process. 

I kindly request that XXXX XXXX XXXX take the following actions : 1. Investigate the process by which Experian verified this bankruptcy entry. 
2. Request clarification from Experian regarding how they verified the bankruptcy information when the bankruptcy court states they have not provided any data.

3. If it is found that the verification process was inaccurate, request that Experian correct the information on my credit report accordingly.

I am deeply concerned about the impact of this inaccurate entry on my creditworthiness and financial well-being. Ensuring that credit reporting agencies comply with the FCRA is crucial to maintaining the integrity of the credit reporting system.

I appreciate your prompt attention to this matter and request that you keep me informed of the steps taken to resolve this discrepancy.

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 2022-12-31
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MR. COOPER MORTGAGE LENDER UNJUST ENRICHMENT : LATE FEES : My mortgage company Mr. Cooper charges astronomical, random late fees ( mine was {$65.00} ) AND you can not make a mortgage payment unless you pay the fee first. Thus, to Mr. Coopers benefit, you would be charged additional late fees if you dispute one. I was forced to pay and they refuse to reconsider or explain why the chose the figure {$65.00} ; just that they reviewed [ my ] case and determined this the figure they wanted out of me.

Furthermore, late fees are compensation for potential damages and I can not get an explanation from Mr Cooper as to what damages causes by a 2-day late payment warrant the high fee ; or why/how they calculate different fees based on a review of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On my Transunion report, the account from XXXX XXXX XXXX  is shown as open, but on everywhere else that pulls my transunion credit report, it shows as closed. Im not sure whether to report XXXX XXXX XXXX or report transunion. The account is OPEN

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have three companies inaccurately reporting a late payment on my credit report when it was never late. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting me as late one time when that is untrue. I have sent letters and proof to both the companies and all three credit bureaus and the error has not been fixed. It is holding up the sale of my home because of me being unable to buy the new home.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX 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 2019-02-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed a previous complaint against Chase bank regarding account ending in XXXX. My identity was stolen and there was a chase bank card opened under my name. I sent in my police report with all the information. Chase bank proceeded to tell me that they are finding the account valid due to payments coming out of my checking account. They have 4 different checking accounts listed making payments. 2 which are on my police report as fraudulent and 2 which I have never heard of. They stated that there were payments made out of XXXX XXXX  ( which are on my report as fraudulent ), and the signature on the bottom of the check does not even match mine, a bank named XXXX which I have never owned and XXXX XXXX  which I have never had an account with. I asked for proof of these accounts and if they showed my name. You can see from the copies I have attached that the name on XXXX does not belong to me nor is it the same business name or address with XXXX   number. I have also requested that the charges on the card be investigated and they have refused to fulfill my request. This account was not opened by myself. My identity and all personal information was stolen to open this and other accounts as they have seen on my police report. I want the charges reviewd and I want to know how you can hold someone responsible when the payments are not even coming out of an account that belongs to me. This needs to be addressed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and I did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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:
Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: DC
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: Problem with personal statement of dispute

Complaint:
XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than 7 years old. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than 100 points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have 3 jobs in XXXX and XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this 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 explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX  ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS is reporting a collection on my credit report, I have no knowledge of this alleged debt. I did request for validation of debt it was ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NV
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 have three companies inaccurately reporting a late payment on my credit report when it was never late. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting me as late one time when that is untrue. I have sent letters and proof to both the companies and all three credit bureaus and the error has not been fixed. It is holding up the sale of my home because of me being unable to buy the new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: PA
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:
Based on, 15 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 afte 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 as soon as possible! These accounts should not be furnished on my consumer report 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 of the 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 IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-05-10
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-02-18
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a dispute with the original creditor XXXXXXXX XXXX XXXX XXXX. They investigated my identity theft claim and responded to me by mail. XXXX And asked for you to remove your account from all 3 credit profiles XXXX XXXX and XXXX and stop attempting to collect any debt. Call them for verification of this statement. XXXX case # XXXX view attached documents.

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 2022-05-17
Company: Lewis, McDonnell & Associates
State: KY
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:
On XX/XX/XXXX, I became aware of an account that was opened with the fraudulent use of my name and SSN. This account originated at XXXX XXXX XXXX in XXXX XXXX XXXX, Nevada, as a lease agreement with the owner of the account being XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. The original account number was XXXX, opened on XXXX, XXXX. This account was purchased by Lewis, McDonnell and Associates on XX/XX/XXXX, and the account number was changed to XXXX. Because I was not, and have never been, associated with the address and phone number used by the person opening the account, I didn't know anything about it until it showed up on my credit report. I have had an active fraud alert on my credit reports since XXXX, XXXX, as well as a credit freeze, so it is apparent that no credit check was run. I initiated a dispute with XXXX on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. I also notified Lewis, McDonnell and Associates that this account stemmed from identity theft. I have filed a police report as well, and will be sending copies of that along with proof of identity and residence to Lewis, McDonnell and Associates, XXXX, and XXXX.

Company response to consumer: Closed with explanation