BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
State: NY
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:
Dispute #. XXXX hello, My dispute case number is XXXX look like XXXX, why XXXX is denied? I have money in XXXX, please help me, thank you my account is : XXXX I use chime debit card fees in XXXX and I have been using XXXX. I downloaded XXXX XXXX, an app that uses TV and modification techniques to trick toys. I tried to ask them for a refund and they agreed, but I never received it. XXXX said to refund the XXXX, now that I have not received the money, the XXXX account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I called Navy Federal Credit and spoke with a representative about my auto loan that was adversely affected during the height of the pandemic. I advised there were accommodations made that was reported late 4 times and repossessed without warning even though partial payments were made in the interim. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. The rep submitted an " OLC '' to their consumer reporting department and provided a resolution time of 7-10 business days. 

XX/XX/XXXX I called the company for a status update and was told by another rep the review had not been started and there was no ETA on completion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-12-29
Company: EQUIFAX, INC.
State: NY
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 is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my Credit Score not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX XXXX but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: TX
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 Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

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

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

I DID NOT AUTHORIZE. I DID NOT GIVE CONSENT

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 2022-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was a victim of a check-forwarding scam. I received payment in the form of a check ( {$4100.00} ) from a fake employer under the alias of XXXX XXXX ( which I did not know at the time ) and the check was from XXXX XXXX XXXX. I was told I was going to receive equipment for the job as I would be working from home as a freelance graphic designer. He told me to send the check money I deposited through XXXX to the local vendor that would supply me with the equipment, but then I realized it was all a scam after consulting family, and friends and filing a report with my bank Wells Fargo, the FTC, and XXXX. 

On Friday, XX/XX/2022 I received the check and mobile deposited the XXXX dollars amount and I XXXX  XXXX of that money to the vendor ( the person who was fake ) the next day Saturday, XX/XX/2022. 

When the check bounced, my account balance went deep into the negative. I still had a little over XXXX in savings after this happened. Then, Wells Fargo Loss Prevention transferred my entire savings into the negative checking account balance without notifying me prior and now I have no money. My checking is still XXXX dollars. 

After submitting multiple claims with my bank, they said they could not credit the XXXX back to me as they couldn't " verify '' whether I had received the equipment or not, which I didn't. Why would someone send me a fake check and then still send me XXXX dollars in equipment? That doesn't make sense to me. 

I want my saving and my checking to the amount it was before all of this happened. Wells Fargo has done nothing but sideline me and make me feel like I'm the responsible one when I was taken advantage of. I need help with 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 explanation
Consumer complaint received 2022-04-17
Company: BROKER SOLUTIONS, 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:
My husband and I filled out an online inquiry for a pre-approval for a home loan on the website of XXXX  in the morning of XX/XX/2022. Right after, we received a phone call from one of their lenders XXXX XXXX- a Sr. Loan Consultant. We described our situation to him and that we were looking for a pre-approval for a home loan. He assured us that he was licensed, so we agreed to ran both of our credit scores during this phone call, because he said that was necessary. He then sent us a list of items that we additional had to provide such as pay stubs, W2 forms, bank statements, drivers licenses, etc. He said if we provided these information until XXXX the same day, we would receive our pre-approval letter the same day in the evening. So we collected all the information necessary and uploaded everything through a link that he provided us in an e-mail ( see attachment ). 
Unfortunately, he did not provide us with a pre-approval on that day. Nor on the following days. We sent another follow-up e-mail to him on XX/XX/XXXX to see if he had an update regarding the pre-approval ( see attachment ). We did not receive an answer. 
On XX/XX/XXXX my husband received a phone call from XXXX XXXX XXXX. He had called us by mistake believing that we were different people. During that phone call my husband made it clear to XXXX XXXX XXXX who we actually were and that we were still waiting on our pre-approval letter and that he ran our credit and collected our personal information letting us believe we would be able to start our home buying process soon. We made very clear that we were rather upset with how our information were used with no outcome so far. XXXX XXXX XXXX assured us then that he would send us our pre-approval latest the day after. 
It is now XX/XX/2022 and we still have NOT received any further communication from XXXX XXXX or anyone else from New American Funding. The company did therefore collect all of our personal and financial information, ran our credits without ever fulfilling their part of the agreement which was to provide us with a pre-approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit reports in XX/XX/XXXX with all 3 credit agencies ( TransUnion, XXXX, XXXX ) to protect myself from identity theft. I have confirmation emails and saved PIN numbers from all 3 credit agencies. In XXXX, I attempted to get a car loan, and in the process, I attempted to unfreeze my credit score with all three agencies. I had no problem unfreezing it with XXXX and XXXX. On Transunion 's web page, it would not allow me to unfreeze it. I spent hours upon hours on the phone with Transunion in XXXX to try and fix the problem. I couldn't even request a credit report from them. Supposedly, they fixed the problem. Now, in XXXX, XXXX, 3 months later, I attempted to unfreeze my credit score to get financing on a travel trailer, and Transunion STILL does not allow me to unfreeze my credit score. No problems with XXXX and XXXX, but I am denied credit because the lender uses Transunion. Transunion is in violation of the law. I have spent more time on the phone with Transunion this week trying to resolve the situation, but it still is not fixed. I have case numbers and phone records of my interactions with Transunion.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
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 checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX, XXXX, Ohio 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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I applied for a HELOC loan with bank of America Back in XXXX of XXXX. My application was accepted, and we were in the underwriting process. Bank of America found that there was a Lien still on my home and stated that they could not proceed unless the lien was released. Bank of America had done the loan modification for me back in XXXX as they were the holder of the note for my mortgage. Bank of America had sold the servicing to another company, and since then I had refinanced from the FHA loan to a Conventional loan. All notes were paid when I refinanced. I reached out to ISN for a copy of the lien release from the modification and they provided it. Bank of America 's underwriting department for the HELOC was still showing a Lein on my house however for the exact amount as the release. When I reached out to the county to get the paperwork that was filed, I was able to retrieve both the original and duplicated lien that they had filed. I am now unable to do anything with my house because of the duplicated lien. ISN has maintained that they do not have such recording of the duplicate, and that Bank of America needs to resolve the issue.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
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 asked all three Bureaus to make sure these accounts were accurate and complete. When the investigation ended, my accounts came back verified. However, there are still many discrepancies between each report and inaccurate information. If they investigated the account the information should reflect so across the board, and this violates my consumer rights to an accurate and complete credit report. I attached screenshots of the accounts. Please delete the following accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXXXXXX : Account # 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 2022-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I asked the latest escrow statement to Santander bank.

They promised to send it via regular mail a month ago but I never received.

All other banks provide that simple letter almost instantly but Santander is not sending what I need. this is really frustrating and don't know how to get the document i need from Santander bank.

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 2022-06-17
Company: EQUIFAX, INC.
State: MD
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 XXXXXXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out student loans in XX/XX/XXXX / XX/XX/XXXX to attend XXXX College in XXXX XXXX, CA. The total of the two Sallie Mae loans I am writing about was {$15000.00}. 

As of today 's date I have made payments totaling {$47000.00} and have a balance of {$31000.00} with a 14.875 % APR. 

My only options when I have reached out to Navient is to defer or reduce payments by extending the term of the loan, this is not acceptable. 

I have paid 184 % of the original loan amount, when paid off in XX/XX/XXXX I will have paid nearly 370 % the original loan amount. I am XXXX years old and STILL in debt because I tried to make a better life for my child when I was younger. I have been paying consistently, they have their money, there is no need for them to continue preying upon me, yet I have zero recourse. I have no one to turn to and Navient is just allowed to continue their unscrupulous business practice of preying upon individuals that have tried to better their lives. 

Also worth mentioning is that I had XXXX XXXX at the same time as well that have been taken over several times by different organizations ( now owned by Navient as of earlier this year ). The APR was always lower and the loan owners were always much more eager to help the individual as opposed to creating financial hardship. One of those loans is paid off completely and the other two will be paid off in the next couple of months as they make up about {$1700.00} total balance. 

I think I have proven good will, I have paid much more than the original loan amount and at this point I need someone to do something about this. I am angry and the answers I receive from Navient are absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the Fair Credit Reporting Act 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 an account without my written instructions.

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 2023-02-10
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609

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