BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have  never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is misreporting a balance due to XXXX and Equifax for an old mortgage that was closed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NV
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. 

XXXX XXXX XXXX, XXXX, has violated my rights. 

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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ALLY FINANCIAL INC.
State: TN
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:
Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-08-21
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:
I reported a complaint to the CFPB back on XX/XX/XXXX regarding XXXX, XXXX and Experian reporting an account that did not belong to me from XXXX XXXX XXXX under account # XXXX. I sent in the police report and identity theft report with that dispute. XXXX and XXXX deleted the account but Experian did not. This account was filed under identity theft and I demand that it be removed immediately, Experian should be following suit with XXXX and XXXX. This account does not belong to me. My rights are being violated by them not following suit with the other bureaus. I demand action please 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 explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from information simply being noted on my credit report. But despite all the complaints I sent to CFPBand Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I'm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX  opened XX/XX/XXXX XXXX for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX , I was also a victim of the XXXX XXXX breach, XXXX XXXX XXXX XXXX  data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

The following items are attached - Original letter sent to FedChoice advising of violation of law re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
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:
I settled and paid XXXX XXXX XXXX as agreed on XX/XX/XXXXXXXX XXXX  and brought my account to {$0.00} paid as agreed settled for less.Then they started to report it as a change off from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX  This is NOT correct at all! The only reason they stopped reporting a current monthly charge off when I asked them for a paid as agreed letter in XX/XX/XXXXXXXX  But they wrote the date I requested the paid as agreed letter in XXXX. XXXX as the date the settlement was completed which is not true. I attached my statements from them showing I finished paying the settlement early on XX/XX/XXXXXXXX XXXX XXXX NOT XX/XX/XXXX and the schedule of payment due dates for there settlement agreement XXXX XXXX XXXX Because of this falsely reported as a current monthly charge off for nearly a year I have been unable to get housing or credit based on there months of misreporting. I'm sure I have legal grounds under the FCRA to file a lawsuit and potentially owed compensation for damages from the creditor and Experian because they never looked into it as they claimed they did THE 6 TIMES I DISPUTED but the Experian disputes department doesn't investigate it as claimed or look at the 11 months of statements showing I paid them during that tme but they said they looked into it 6 times!?!!! The first disputes agent I spoke with in XXXX said they would delete this from my credit report once they get the months of statements showing I paid iy off XX/XX/XXXX. As agreed I sent them the statements but they didn't do what the dispute department agent said they would do.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect Account Number : NAME XXXX XXXX XXXX XXXX he following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA

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 2018-05-24
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a second home mortgage with Quicken on XX/XX/18 for {$250000.00} with 15 % down, I was pre-approved instantly. We were assigned mortgage banker XXXX. A few days later I called Quicken so that I can speak with XXXX, XXXX XXXX answered the phone and told me that she can assist me because she is a senior mortgage banker. XXXX suggested that I should go ahead and get completely approve. I ask what is need and if my credit will be pulled again and she said no. I provide all the requested documents within 24 hours, the next day I spoke with her and she told me that we were approve she just needed a employee verification letter for my husband because they could figure how many hours he is guarantee. We provided that letter and she told me that we are completely approved but the numbers went down a little because of my husband child support obligation. I said ok. For weeks she called and encourage me to go to Georgia to look at properties. I spent {$1000.00} going to Georgia looking at properties. XXXX XXXX our first agent was told to push and help us because our loan has been completely underwritten and approved. We had to switch realtors and was assign to XXXX XXXX. XXXX conference called me and XXXX and she advise XXXX that I was completely approved and to put extra effort to help us find a property. We found a property and went into contract. XXXX request updated paystubs and bank statement, we provided them. We were then transfer to XXXX XXXX, who requested more documents we provide all. Now they are requesting child support court order. My husband have no time off of work he is on probation and if he miss any time or is late he will be terminated. I went to the courthouse with a notarized letter, and my husband ID I did not get the document. We offer Quicken a break down of payment for the past 17 years they refuse. Now our loan is denied and provide a denial letter stating application incomplete : incomplete application documents. Which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-11
Company: TransferWise Ltd
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a {$10000.00} withdrawal in early XXXX. Nothing happened, so i emailed support. They responded that they have deactivated my account! I have exchanged multiple emails with them and submitted an " appeal '' per their instructions Nothing happens. 

They have my money and I'm beginning to think this has become a fraud. 

I need that money. And they will not respond and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems repeatedly keeps adding and removing false debt from my personal credit. I have stated in numerous disputes and complaints that this debt doesn't belong to me and that they need to remove it. Instead they keep adding and removing the debt from my credit and not removing it permanently. They continue to violate the FCRA by not providing substantial evidence, like the original contract to support their claim. Please have this company to remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
The Credit Bureaus stated that accounts : ( XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX ) were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report as well.

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 2018-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I happened to look on Maryland case search website and saw that XXXX XXXX XXXX has filed a lawsuit against me. I never received any notification in the mail to giving me the option to dispute the debt. I looked XXXX XXXX XXXX up on the NMLS website and it shows that their license expired in 2017. Collection agencies are supposed to be licensed in my state to collect and they must notify me in writing giving me the option to validate the debt and that was taken away from me. They are also on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.

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