BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX the CT DMV sent the title of the XXXX XXXX XXXX to Navy Federal Credit Union at : ( per online Navy Federal site information ), Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I have phone logs of the times I have called to NAVY FEDERAL over the past year to request a title loan duplicate form. 

As of today : XX/XX/XXXX I have asked " XXXX, '' for a history of logs pertaining to my : phone calls of inquiry on this matter, loan, and mailing history on this matter. To which he said. " NO. '' I want this recoding as well as all the recordings brought into this matter.

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 2022-12-26
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I sent a dispute to XXXX in regards to identity theft. I have not lived in XXXX since XXXX. Someone has gotten my personal information and opened a utility account in my name. XXXX said they would send out a fraud affidavit on 6 different occasions and I have yet to receive one. The amount total is {$2000.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Nelnet, Inc.
State: PA
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:
Firstmark Services continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated XXXX parties. 

Firstmark Services continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when XXXX XXXX is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of Firstmark Services furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a banking issue with XXXX XXXX Which i had mitigated on the XXXX of XXXX. Which in turn have funds return on the XXXX of XXXX, due to a misunderstanding with a dispute dating back 3 months which they in turn disputed a all transaction with in that time frame. Due to this mishap my vehicle was repossessed by GM FINANCIAL. Ive sent in proof of payments via bank transactions and proof they I myself approved said transactions. They claimed they never recieved payments when i recieved emails from other merchants as well stating they recieved payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was never on more than a trial HAMP program in, XXXX. I paid it on time for 11 months until Chase took me off it when they took over my loan from XXXX. From Chase I was than transfered to XXXX XXXX who keeps telling CFPB that I was given the Hamp Program through them which is untrue XXXX XXXX has refused every attempt I have made at paying my mortgage and told three different cases workers at Mass AG 's Office that paperwork was missing that they would be include on the faxes and emails containing said documents.XXXX XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX & XXXX XXXX XXXX of AG 's Office Ma. Both were finally told by XXXX that they just didn't have modification programs. I have 7 large boxes containing every modification I filled out any mailings from the numerous lenders including XXXX  XXXX XXXX who put me in this illegal loan to begin with I had a 3/5 arm adjustable and on the 3rd year it went from 7.8 % to 11 % and when I tried to refinance they said it could no longer be done because I was self employed same work I have done since XXXX. XXXX refuses to evaluate me and pretends to open the process but never does it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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: Account status incorrect

Complaint:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2022-12-26
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I did not authorize these accounts.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/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 non-monetary relief
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: UT
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:
Please see attachments. The information being reported by all of these bureaus is inaccurate and needs to be corrected. They claim to have contacted you and that you verified this as accurate. I know it's not accurate and you should too. I am hereby demanding this be immediately corrected by you. If it is not I will not hesitate to include you in the law suit against all 3 bureaus! I will also go public with the law suit! Anyone else having issues with you too will be able to take legal action too. The bureaus are notorious for constantly creating these types of errors then refusing to correct them. I'm sick of it and am not afraid to sue all of you for violating the Fair Credit Reporting Act laws! The bureaus do it all the time. YOU should not be doing this!!!

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 non-monetary relief
Consumer complaint received 2023-12-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
I bought a used vehicle in XX/XX/2019. I was never late on any payments until I became a victim of government corruption. I ended up XXXX with XXXX  for over a month. I ended up behind on car payments. I did communicate with the bank but they ended up repossessing my vehicle a year later. I want to know why I am still owing all this money when I am a XXXX XXXX and I have plenty of money in my trust. I want my vehicle and ALL THE RIDICULOUS HIGH CREDIT CARDS PAID FOR WITH MY TRUST. Tell me how to get this done.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds on my credit report.

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 2019-11-21
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX Chase froze account. prevented me from purchasing XXXX presents. 
Same date Chase charged me a fee of {$100.00} I do not know why the account was frozen. I am not aware of ant debt as confirmed by XXXX XXXX XXXX of XXXX  XXXX, Colorado. 
I want my account closed and the return of all fees to XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I and my Fianc have been clients with Wells Fargo with separate accounts we understand that Wells Fargo has mistreated all clients and are suppose to pay accordingly we have had accounts with Wells Fargo since 2012. Well Fargo affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello! On XXXX XX/XX/XXXX I opened a Citi savings account over the phone with a representative after the offer was targeted to me. During the next week I added a few external bank accounts to my Citi account so that I can fund my new account. These external accounts were at other banks and were my accounts under my name, under my social security number.. During the week of XX/XX/XXXX XXXX began adding money into my Citi account.. adding exactly XXXX XXXX with the goal of reaching XXXX XXXX to qualify for the promotion. On Thursday XX/XX/XXXX I go to log on but my online access was frozen.. forcing me to call into the bank to understand why. I learned that they shut down my account due to " fraudulent '' activity and recommended it for closure which has held my money hostage with the bank, not allowing access for myself. I've called many times attempting to get more information for the closure while offering to provide additional information in case an algorithm made a mistake. As an example I use a VPN on my computer and maybe this caused a problem. I've not been allowed to talk to anyone, provide more information, plead a case, or get my money back. There was no fraudulent activity.. I am a normal w2 employee who was transferring money from external accounts into a new account that I just opened on the phone with a Citi representative... and I still don't know why it was closed after many phone calls. My main concern is getting my fifteen thousand back to me which has been held hostage by Citi bank since XX/XX/XXXX with no end in site.. money that I may need due to normal life circumstances or money that could be collecting interest at another bank. Citi is holding my money interest free after pre-maturely ending the business relationship. If this is the case? Ok... so give the customer their money back then move on. My second concern is that they will report me for fraud which could effect me in the future whether it will be opening banks, credit cards, or applying for loans. I repeat that there was XXXX fraud.. I performed very normal bank activities that most people do on a daily basis so I was highly surprised that my account was locked after only a few days. I can provide accounts, routing numbers, prove of transactions.. anything but the bank will not allow me to do anything.. just wait for more researched to be done.. whatever that means. It is now XXXX XXXXThank you and I hope you can help me get this resolved.

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 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit.Please remove the inaccurate adresses, and fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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: Information belongs to someone else

Complaint:
Multiple Accounts on my Report that I am not familiar with

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 2023-03-12
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:
After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX XXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late.

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified XXXX days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over XXXX days since TransUnion has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account XXXX Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : SXXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX  Account Number Listed : XXXX Date XXXX : XX/XX/XXXX Company : XXXX  XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.

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