BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Approximately 18-24 months ago we started receiving letters from Navy Federal Credit Union ( NFCU ) about the vehicle title to our XXXX  XXXX XXXX . The letters had stated that they have not received our title from the Florida DMV and that we needed to call the DMV to request that it be sent to NFCU showing they were the first lienholder. We called the DMV on numerous occasions and were told that the title states that they are, in fact, first lienholder ( which we have known since purchasing the vehicle ) and that it is an electronic title and NFCU has the ability to pull that information from their database and they will not release the title to myself and my husband. When I called to notify NFCU about this ( on numerous back - and - forth phone calls over the course of 6-8 months ) each time we were told it would be handled but months would pass and we'd receive another letter. The most recent letter we received in XXXX stated that if we did not resolve this issue of the title, they would transfer this loan into a personal loan with a rate of XXXX % ( up from our 2.5 % ). This prompted us to call AGAIN and we sat on the phone for over 2 hours discussing this issue and how to resolve it as there is absolutely NOTHING further we are able to do on our end. They said it looks like there was a " coding '' issue and notes were taken down on our account. I even sent over proof they were listed as first lienholder with documentation from the DMV ( not a physical title ) showing them as first and only lienholder. I was assured numerous times during the end of this call that she had managers on board with this, everyone was aware and that they would take care of this and to not worry and we hung up. We stopped receiving letters and figured this was fixed ; as we were assured ... We logged into our mobile banking app to discover they had jacked up our rate and transferred it to a personal loan. We called again last week or two ago to discuss fixing it but the title department was closed and we were told, yet again, this would be fixed and that she didn't have access to fix these issues. Now we have STILL not heard back after being assured she was contacting the title department. 

This has been ongoing for so long and we have been very patient, as we do truly love Navy Federal as an organization. They have always had phenomenal customer service and treated us very well and we would love to continue to bank with them. However, this particular issue and the lack of urgency and follow-up is concerning to me. I have never been delinquent on any loan or payment, I have provided the proof they asked for and have always been understanding with them on the phone but this is just going on for too long and we have no where to turn for a resolution.

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 2022-05-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXL Account # XXXX, XXXX XXXX, XXXX, XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was inquiring about my car loan buyout options and asked the company what my options were before running my credit. They disregarded my request and ran my credit without any discussion beforehand. I believe this will affect my credit score, even though the sales manager stated that it will not. This happened on Friday XX/XX/27.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: DC
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 explanation
Consumer complaint received 2022-02-17
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:
I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.

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 2018-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage payments are not being reported to any credit bureaus. When I called the lender, they say the payments were not being recorded because the home was never " reaffirmed ''. This is seriously impacting my credit score. I have been through three bankruptcies and have finally bounced back from the XX/XX/2008 financial crisis. However, my home is still severely underwater and not having my on-time mortgage payments recorded for three years is making rebuilding my credit more difficult. I have tried rebuilding with credit cards ; however, that is what got me in trouble in the first place! I just want my mortgage payments reported and I would like for them to be reported retroactively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am a natural person and living human being, I have rights under 15 USC 1681. 

XXXX and TransUnion are govern by 15 USC 1681. And they have violated my rights numerous of times. I demand that these accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX or TransUnion written permission to furnish these accounts. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX this year, Fay servicing overpaid my homeowners insurance. {$1200.00}. Instead of them communicating with my insurance to resolve it, they raised my house payment {$120.00} a month to cover their mistake up. I had to file a complaint with XXXX  to get an answer. They told them that they would fix this issue. I had to communicate with my insurance to get refund check. Now the mortgage company is refusing to lower my house payment back to the original {$700.00} a month payment. Ive made several calls to their customer service and theyre refusing to talk to me about it. Ive also sent emails to the ceo for help and still no response. Ive also got a {$6300.00} charge to my balance Ive been waiting XXXX years for an answer to what it is from them. This company has been nothing less than a nightmare to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud claim has been made with Wells Fargo on XX/XX/XXXX Fraud claim number : XXXX On XX/XX/XXXX I have contacted WF in regards to 14 fraudulent transactions that I have discovered on my WF Joint Checking Account.

- 13 out of 14 fraudulent withdrawals have been reimbursed.

- The fraudulent activity on XX/XX/XXXX in the amount of {$280.00} has not been reimbursed. 

When, contacting WF I was told that this activity has been in excess of 60-days and could not be recovered from the 3rd party and there is nothing WF can do.

However, there were 7 activities prior to XXXX XXXX date that have been recovered with exact same fraudulent signature, but yet the activity on XXXX XXXX paused a problem. 

I would like WF to reimburse {$280.00} that has not been reimbursed to me. I suspect a possible flaw in their security protocols may have allowed a fraudulent party access to my banking checking account. 

Here are the fraudulent charges : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$61.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$310.00} - REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX  {$200.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$97.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$280.00} XXXX NOT REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$180.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$250.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Payment XXXX XXXX XXXX XXXX {$280.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} 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 2019-02-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I took out my loan with Wells Fargo Mortgage, my loan officer ( XXXX XXXX -- who is no longer with WF ) told me that the PMI would be removed when the LTV was 80 % or less. That is my understanding of the Home Owner 's Protection Act as well. 

I just got off the phone with the WF Borrower 's Service line. They just told me that they will not automatically remove the PMI until I pay it down to 78 %. It is currently 79.2 % LTV. 

The officer told me one thing ( and the other officers will only refer me to the Borrower 's Service Line ) and now, when I have paid down the principal they're telling me a different story. 

This is dishonesty but apparently this is also par for the Wells Fargo course.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-05-11
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:
Hello, Credit bureaus keep disrespecting the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission. 

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this ; please help me in this matter.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. 
The account is XXXX XXXX XXXX, {$1100.00} XX/XX/2016.

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