BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; 2. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 3. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$0.00} ; 4. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; XXXX. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 6. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$340.00} ;

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 2019-04-24
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Westlake Services, LLC
State: CT
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:
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 an account without my written instructions. 
15 USC 1666B A creditor can not treat an account under an open-ended consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-03-15
Company: Comerica
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX wife passed, on or about XX/XX/XXXX went to social security office to make aware of death, called Express Direct to make aware of death of spouse, XX/XX/XXXX received letter from Direct Express gave tracking #, required documents to release funds ( {$8900.00} ) and the processing time frame of 4 - 6 weeks, was made aware of {$50.00} processing fee in the letter also, mailed death certificate & nortized small estate affidavit statement as per letter request XX/XX/XXXX, it was received on XX/XX/XXXX as per certified mail receipt. Phoned company over 30 times between XX/XX/XXXX and XX/XX/XXXX still no response they are refusing to send the {$8900.00} its been well over the processing time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX BK XXXX XXXX XXXXXXXX, BK XXXX XXXX XXXXXXXX

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has violated my consumer rights and furnished a bankruptcy on my consumer profile. It has not been verified. Transunion said XXXX verified but XXXX does not have the record. Then they said the courts but the courts said they do not sell or distribute consumers personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae, now Navient, did not inform me in Fall of 2007 that I could have transferred my loan to XXXX XXXX. I started working as a public service librarian at a XXXX XXXX XXXX in XX/XX/2007. The PSLF program began in Fall 2007 with XXXX XXXX. Sallie Mae should have informed me that I could have transferred my student loans to XXXX XXXX at that time. This mean that I have been neglected the opportunity to be forgiven from the bulk of my student loan debt ( considering that I am still work as a pubic service librarian at the same place since XX/XX/2007 ). When I contacted XXXX XXXX about this matter, they said it was out of their hands and their was nothing they could do about it. Should I contact the Ombudsman ( if so, what is the contact information ) or should I start/join a class action lawsuit against Navient ( formerly Sallie Mae )? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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: Information belongs to someone else

Complaint:
Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit 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 2023-07-31
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
None of the choices were applicable. But I am trying to get a mortgage and the underwriters are asking for a letter from Synchrony bank stating that the balance shown on my report is actually not owed but was forgiven because we did a settlement. I have called synchrony multiple times and they keep telling me they can not give me a letter. I dont know what to 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 2020-02-27
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So since the company has taken over our mortgage in XX/XX/XXXX, its been a struggle to get a hold of our account manager. Everytime we come up with a large amount of money that would cover one letter sent to us, Ill call to make a payment and they tell me a different amount which is more than what we have. Ive faxed paperwork to them 3 times to get on a repayment, they say they never received one page or i cant log in to complete, the website tells me our account doesnt exist. Ive left 5 messages this week alone and wanted to make a payment in the amount paperwork received on XX/XX/XXXX said was due {$3700.00}. and when I call Im informed the amount is actually XXXX.? And they wont accept my payment. I refaxed paper work for help ( again ) yesterday and have left a message for my account manager and havent heard from them. I sent an email to another loan manager, still no reply. We received a statement in late XX/XX/XXXX and the amount due at that time was {$3000.00}, due by XX/XX/XXXX. Why wouldnt they take this large amount? Please look at the dates on the paperwork, I just received the one dated XX/XX/XXXX, last week! The one dated XX/XX/XXXX on XX/XX/XXXX! We received the statement for XX/XX/XXXX.

It would be easy for them to take our home if I didnt call, their mail department is in no hurry to get anything to us and I cant log in to our account and they wont send anything via email, except the loan modification forms. Ive asked for late charges to be added to next months mortgage? Why cant they take all the payment and add that on? How are they coming up with 3 different amounts? Why wont they call me back. We want to save our home ... We are just dumbfounded they wont take our money and just keep raising the amount for what we have to do to bring it current. We believe Fay Servicing is trying to take our home. We HAVE tried to make even partial payments just to catch up, they wouldnt accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC is not owed. If they purchased it. They cant sell my information without written consent under 15 USC 1681. Tey also do under the name Resurgent I have written them several letters to verify debt. Please remove both entries on my credit report on all e Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.

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 2019-09-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This information does not belong to me

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 2016-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I had surgery late XXXX and I was out of commission for about 7 days. My friend named XXXX XXXX XXXX or XXXX stayed with me so that she could care for me. I found out that she put a credit card -XXXX in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had XXXX other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. XXXX went unidentified because she would use these cards in small increments until she maxed them out. I have filed a police report on the XXXX XXXX credit card and I did put XXXX 's name in the document. I said that I will prosecute her to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.

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 2019-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I notified EQIFAX, XXXX XXXX and XXXX of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX - after a XXXX stay - I was informed by the XXXX host I was being charged for some replacement items during our stay, charges were {$1700.00} Immediately disputed with XXXX - it became clear they would simply post the charge and not look into the issue XXXX - I was charged {$1700.00} on my Chase United Explorer credit card ( ending with XXXX ) XXXX - I filed a dispute with chase XX/XX/XXXX - follow up call with chase ( XXXX ), provided XXXX pg pdf documents with arguments and evidence on why the charge is bogus ( host basically updating their XXXX year old furnature on our dime with upgraded version of what they claim to be broken by us ) XX/XX/XXXX - follow up call with chase - confirmation of dispute case being filed on XXXX XXXX - follow up call with chase - confirmation provisional credit is put in - information given that merchant 's bank has 49 days ( XX/XX/XXXX ) to respond and if they fail to do so - provisional credit becomes permanent credit and issue is resolved at that point. 

XXXX - follow up call with chase. Getting information that case is still ongoing. When asked about whether any of the information given me on XXXX about 49 days is accurate - representative ( I believe XXXX? ) did not answer and basically hung up on me. 

XXXX - CFPB complaint is getting filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Upstart Holdings, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
{$17000.00} reported on my credit Bureaus. This is NOT my account. Our credit alert informed us of credit account opened in my name. I have no knowledge of this account. I reported to XXXX XXXX, XXXX. the company that opened this account IS Upstart Holdings Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX. Upstart asked me to confirm my information- and I did provide them the information. Upstart claimed they had NO Record of my having any account even after Upstart Verified this account with all 3 of the credit bureaus. Upstart Holdings asked my permission to do a credit application account and I Refused. this account was opened XX/XX/2023 and the credit bureaus reported that I have made 2 payments. this IS Fraud and Upstart claims they have " no knowledge ". This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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