BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was investigated by two other credit reporting agencies and it was found through investigation that the account should not be on my credit file. I have been disputing this account since XX/XX/2023 and Experian has not updated.

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 2020-09-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient isn't willing to work with me on the payments, they are charging me per month more than what i make in 2 weeks. I'm currently trying to get my loans switched over to another company but no luck so far. I  tried to get to lowered based on my income back on XX/XX/XXXX but they weren't willing to work with me. They lowered it from XXXX to XXXX but people making a lot more with other companies are only paying XXXX or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXXF ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXX AUTO ACCOUNT NUMBER XXXX BALANCE {$520.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2022-12-30
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a fraud complaint on XX/XX/2022 of {$50.00} it was investigated and approved on XX/XX/2022. I was told to go to my local branch to receive a new card. I went in to the branch and received a new card. I used the card on XX/XX/2022 at XXXX for {$12.00} and the card worked this was at around XXXX. I went to the grocery store at XXXX and my card didnt work. I called Navy Federal Credit Union and they told me that my Debit Card was suspended for 1 year. They never gave me notification that they were going to suspend my card and this left me at such a disadvantage as I had no access to my money. I couldnt purchase food to eat and should an emergency had arisen I had no way of obtaining my money. 
I called and spoke with a supervisor at Navy Federal Credit Union this morning XX/XX/2022 and was told that they placed the suspension upon my Debit Card because I was irresponsible. 
I asked was it because I filed FRAUD? she said yes! I asked had I done anything fraudulent and she said no! Its because Im irresponsible with my Card which allowed the fraud. 
In my defense I have never ever misused my Debit Card. Ive been a member for 7 years at Navy Federal Credit Union and Ive never ever done anything that I wasnt supposed to do as a member. Now they are punishing me because I submitted a FRAUD which we as members our allowed to do. But, Navy Federal Credit Union is punishing me for this by suspending my Debit Card. I also filed a complaint with XXXX prior to going to my bank. 

I have attached supporting documentation. 
What they did was evil and malicious as they did this with out notification which left me helpless and without access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AM XXXX XXXX  ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX  ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} Charge off

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending this CFPB complaint to follow up my previously sent letter to the current evaluation of credit bureaus. I appreciated the credit bureau 's removal of fraudulent items from my file, but there are still remaining items that need to be deleted. I address the issue of identity theft and dispute certain items in my credit file that are a direct result of this crime. The purpose of my dispute is to request the removal of any information associated with these fraudulent activities, as they do not pertain to any transactions I have authorized or participated in involving the acquisition of goods, services, or money. I am unaware of the specific details regarding these disputed items. Furthermore, I have discovered that other credit bureaus have already removed the mentioned information, which raises doubts about its accuracy. Additionally, the reported payment history on some of these items is unclear and perplexing to me. According to the FCRA 605B ( c ) ( 1 ) ( C ), I am within my rights to request the decline or rescission of such information. Below are the remaining items that need to be DELETED : XXXXXXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} 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 XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX Balance XXXX {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00} XXXXXXXX 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 2023-08-18
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: Information belongs to someone else

Complaint:
I appreciate you making the effort to remove and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXXXX/XX/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 2023-07-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Name : XXXX XXXX XXXX FHA Loan no : XXXX Last Friday XX/XX/2023, we are scheduled to close our loan at XXXX. On the day of closing, they said they can not do it because I have a previous FHA loan from another lender and I can not have 2 FHA loans at the same time. Its true i did have a previous loan from another lender but the purchase of that house did not push through and i was told by my previous lender that it was cancelled. However, it did not appear that it was cancelled. my issue is how come they did not see this on file to be resolved before the closing day? So we had to call our previous lender to have it cancelled and have FHA cancel it on their part as well. So now our closing got moved today, XX/XX/2023. My lender told me 100 % sure to close. STILL that is not the case. FHA has not cancelled our previous loan on their part which they have been working on since last friday. Up to right at this moment I am still waiting for them to send closing documents to my lender to be able to close today. Roughly it is taking them one whole working day to do this documents. Please understand we are living a hotel, paying it by the day. We just moved here from Indiana as a XXXX XXXX and we are losing money by the day paying hotels, eating out, missing work for the scheduled closings that keeps getting cancelled. If i have known how terrible this situation is going to end up i would have gotten a conventional loan instead. Somebody out there is not doing what they are supposed to do timely and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday XX/XX/2021 I was contacted by a buyer on XXXX who was interested in buying an item from me. The buyer claimed to have sent me {$200.00} and had a fake email sent to me claiming to be XXXX. The buyer had me call the number on the bottom of the email ( which has now come out as a scammer ) and made me send them {$800.00} to make my account into a business account and claiming I would be reimbursed the full {$1000.00}. I gave the person claiming to be XXXX customer service all my information such as bank account number and social security number. Over the next XXXX hours after this phone call, scammer got into my bank account made a fraud check from my jobs company using my name and depositing a {$5900.00} check into my bank account as well as going in on there own and taking it back out. I also never received the {$800.00} back. As soon as I realized what I was dealing with I Called JP Morgan Chase who I bank with to let them know the situation that was going on. JP Morgan Chase failed to look into any activity that was going on in my bank account. They were more concerned with getting me to close out my old account and open a new one. When the fraud started going on no one asked me about other accounts I had with them and also never asked if I wanted to restrict my account to stop any further fraud from happening. I mentioned to Chase several times that the money was taken from me fraudulently and there was response was that there was nothing they could do about it. It comes out at a later date that the {$800.00} of mine that was hard earned money was put into another account with JP Morgan and chase but that they still would not be looking into it any further. I have been a loyal customer with this bank for XXXX years. I have never had problems with petty problems but when it comes to serious issues it seems they did not want to do the work. A police report had to be made in this matter along with all the other stress this situation has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account " Status Update '' Date is INACCURATE and is falsely represented on credit report. " Status Update '' is showing XXXX of XXXX as the last status which is ILLEGALLY keeping the status on my credit report within the statute of limitations. If this account was allegedly charged off in XXXX of XXXX then the last " Status Update '' should have reflected XXXX. This account is reporting inaccurately, it is predatory and I want this account deleted from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-04-16
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX  A ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These have violated my rights per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that 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 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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 explanation
Consumer complaint received 2023-07-10
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported fraud to my bank from multiple trips we had taken over the last 3 years and my debit/credit cards have been compromised. Ive tried numerous times to let them know Im dealing with fraud and the account is not mine I have no knowledge of it and have tried multiple times to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I originally got a payday loan from another company in XXXX, Tennessee, its in the original complaint. They sued once in court and now they are trying again. They have threatened me with court action and this is after all my information was compromised through their site was hacked. Im XXXX XXXX XXXX and on Social Security and they know that. The company that I got the loan from sold my check to cash Express.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation