BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
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 Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-23
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: Was not notified of investigation status or results

Complaint:
Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.

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 2023-05-22
Company: PNC Bank N.A.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
company keep calling and harassing my co workers and myself. per 15 U.S. Code 1692b - Acquisition of location information : per 15 U.S. Code 1692d - Harassment or abuse- on 05/10/2023 : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: NATIONSTAR MORTGAGE LLC
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 XX/XX/XXXX I was contacted by my employer about a credit issue. As a result I contacted Nationstar, now Mr. Cooper regarding what appears as an open account with them on my credit. Nationstar repeated advised I did not owe them anything and that the account was charged off. They even advised " even if you wanted to pay it of, you couldn't. They refuse to put that in writing and/or remove the account balance from my credit report. As a XXXX XXXX employee, this is an employment issue for me. As a veteran, I'm disgusted with the way Nationstar/Mr. Cooper has treated me and impacted my credit. If I don't owe them anything, as they've repeatedly told me, how can they report this as an open account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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

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 2023-05-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I mailed a certified letter to Navy Federal. The certified letter was picked up on XX/XX/2023 at XXXXXXXX XXXX the tracking number ( XXXX XXXX XXXX XXXX XXXX ). I informed them about the inaccurate being reported. It's the same account being reported two times on my consumer report. I have asked them to investigate, correct and delete the inaccurate accounts. Navy Federal continue to send the information back as verified. I sent them copies of my XXXX consumer reports showing they are the same account. I asked them to send contracts I signed with my signature, I have not received any correspondence from them. I called Navy Federal about this problem and was told to dispute it with the Consumer agencies. I told them they have to correct the information first. I could not get any help from them. I asked for the PROCEDURE how they investigated, I want the opt- out disclosures. I requested all correspondence be mailed to my address. Navy Federal has not sent me any correspondence. The two accounts have a balance of {$9300.00}, same open date XXXX XXXX acct # XXXX and acct XXXX XXXX These accounts are not being verified some need to be held accountable for not correcting the information. Other accounts XXXX opened XXXX for {$8300.00} and account # XXXX opened XXXX for {$6400.00} being reported as charge off. Delete these accounts. Charge off are not to be included on your consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account because they said I violated there rules. I did nothing wrong. I think because I got my tax return so they think its fraudulent. I spent the money right away on XXXX but the product never came so I asked for a refund and it was supposed to be here in 3-5 business days. I am guessing it has something to do with that. I cant live without that money. I need help please. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: NAVY FEDERAL CREDIT UNION
State: RI
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 joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX & Navy Federal in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( XXXX ), a telephone company, used my information fraudulently and pulled a hard inquiry on my credit report when I was shopping for their products. 
This was reported on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage loan in XX/XX/2021 for the purchase of a residential condominium unit. The loan was soon sold to Amerihome Mortgage Corporation. In XX/XX/2021 I received a letter from Amerihome that I did not have a flood policy and that I had to obtain one or they would force place a policy. The property is in a flood zone. However, the property is a condominium and there is a NFIP master flood policy in place which meets FNMA guidelines according to my original lender. I called Amerihome and they advised me to forward the policy which I did.They promised to have it resolved in a few days.Weeks went by with no response. I received another letter stating the same issue. I called and was again advised to send a copy of the policy and they would call back in few days. I did not get a response from Amerihome until I received an escrow analysis with a {$910.00} flood policy premium added for a forced placed policy resulting in an increased monthly payment. I have called numerous times, provided the information and received promises that they will resolve it and call back in a few days. They have not once followed up and communicated back to me in writing or by phone. I called again XX/XX/XXXX. At this time they said that the NFIP master policy that was in place did not cover business interruption so it wasn't valid. This claim makes no sense because NFIP flood policies do not cover business losses FNMA and FHLMC do not require flood policies to provide business loss coverage, and the condo is a residential property, not a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: First Advantage LNS Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX I called to find out what was the collection for. Explained to them that they are reporting the same debt multiple times. That can the send me some information about the debt because I had no idea about. The lady to me that they arent taking it off until I pay they dont care if it illegally to report false information. Then a couple of weeks later they deleted to collections accounts but not the last 1. I called multiple times. I just would like to get this fixed. Because the reporting is damaging my credit and has been for years. I would like it all removed. Its causing a lot of problems with my credit.

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 2023-06-12
Company: EQUIFAX, 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from Conrad Credit corporation claiming that I have a debt of {$2900.00} owed to XXXX XXXX and consulting. I have never heard of either one of these companies and have never in my life been associated with them so I know for a fact that I do not owe this kind of debt to them. I have never been in business with them or never owed this type of amount to anyone before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Please refer my previous CFPB complaint XXXX. 
Wells Fargo is just not letting me close my account. Instead they started charging me fees for XXXX balance. 
They can call me at XXXX to talk to me during Mon-Thu from XXXX XXXX  to XXXX XXXX  Central time or friday from XXXX XXXX  to XXXX XXXX  Central time. 

Moreover if one can open account online without going to branch so why one can not close the account online? 

Due to COVID-19 - I am not going to any place for notary or into their branch to close this account. 

I am doing part - time job and have to take care of kids while remote learning. Why wells fargo doesn't have chat or secure message options or email to do this work?

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 monetary relief
Consumer complaint received 2021-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XX/XX/XXXX, I made a purchase in the amount of {$31.00}. This left my account XXXX. On this same day, I had automatic payments come out in the amounts of {$40.00} and {$10.00}. According to XXXX Bank, any overdrafts which occur for less than {$5.00}, you will not be charged an overdraft fee. Not only this, XXXX has advertised a grace period to deposit a cash deposit to cover any overdrafts by midnight the following evening. I made a cash deposit in the amount of {$120.00} on Saturday morning, XX/XX/XXXX. On Monday,  XX/XX/XXXX, I was charged 3 overdraft fees in the amount of {$37.00} each for the 3 charges made on XX/XX/XXXX. After contacting XXXX twice, I was told that there is nothing they can do because my cash deposit did not post to the account until Monday the XXXX even though it was made on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is reporting a fraudulent and negative account on my credit file that doesn't belong to me I have sent them all the documentation and police reports to have this removed and they have failed to correct this matter. it has been over thirty dys and they never informed me of the investigation results and as far as I know never researched it. I have submitted numerous written disputes via mail, online and via phone. I told this will be resolved and never has been after numerous months of working on this with them, they are the only credit agencu with this incorrect information appearing

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 2022-09-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2023-05-23
Company: EQUIFAX, INC.
State: NC
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 to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief