BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I sent Navy Federal Credit Union ( NFCU ) a certified letter via XXXX [ tracking number : XXXX ] disputing memberships and accounts that were opened and obtained fraudulently by a former roommate. It has been over 30 days and Ive received no correspondence from NFCU in regards to this matter. I sent evidence showing my established residence at the time of when the membership was obtained. Proof of residency in the state of Tennessee and not Georgia. Police report from the XXXX Police Department. 

NFCU has exuded gross negligence in failing to properly investigate this claim. NFCU also sold these accounts to XXXX XXXX XXXX ( see attached document ) after I reported the debts to them as fraudulent which is a violation of several consumer protection laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: AR
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:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4XXXX XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Paypal Holdings, Inc
State: CA
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:
The hacker attacked my PayPal account on XX/XX/2020 and they got all my credit cards and bank account ( checking and saving ) information that was linked to my PayPal account. 

I called PayPal right away when I realized that multiple unauthorized transactions happening on my credits cards, bank accounts ( wire transfer ), and purchases on my Paypal that were no processed by me. 

The amounts of money involved with this hacker attack was {$45000.00} wire transfer from my bank account, {$3600.00} and {$3400.00} of the transfers to another PayPal account, and several credit card charges. 

Paypal denied my claim ( dispute ) even though it was clearly unauthorized transactions.I appealed the case, and a couple hours later, I received the message that my claim was denied again. 

I phoned PayPal and they told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police, which I did already that these unauthorized activity happened on XX/XX/2020 Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that " Based on our review, we found this transaction is consistent with your PayPal payment history. '' I do not believe PayPal really investigated my claim. 

On the same day, I called all my banks that were linked to my PayPal account and told them to stop any payment from PayPal and also explained issues with PayPal. 

The banks actually did the investigations and I could get {$45000.00} back to my account, and the disputes on my credit card charges were also accepted and refunded me already. 

Now PayPal is sending me the message that I have the negative balance of {$3600.00}, which was one of the unauthorized transaction. The transaction looks like that I ordered laptop computer, which I never did and the XXXX tracking number on the transaction also shows it was delivered to my address. 

I called XXXX to find out why the tracking number seemed to be delivered and signed by me, and XXXX told me that the tracking number shows it was delivered to the same city I live, but it was not actually my address ( XXXX could not tell me the exact address it was delivered because it is personal information. ) After talking to XXXX, I called PayPal and explained the unauthorized transaction and the tracking number is also fake/fraud tracking number, and PayPal still told me they can not help anything about the negative balance and the case is closed, and I have to pay for the negative balance of {$3600.00} I have all the documents to prove the fraud and police report numbers. 

Also, I have 3 PayPal accounts and the hacker also moved around the money between the accounts, which made it more complicated to find out what's going on and where the money went when all the unauthorized transactions happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2021-08-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Visa credit card and XXXX XXXX collection agency. 

Debits to my Chase Visa card through XXXX XXXX XXXX were almost all of the outstanding monthly charges to this account, with monthly late fees of {$37.00} adding up to be a majority of the balance. 
No monthly statements were ever sent to me by mail. 
I had requested billing by monthly mail statements for the account numerous times in the past but it was switched to paperless payment with out my authorization. I still try to do as much of my bill payments as possible by mail with a check payments. 
I was unaware that charges were being put on my account until I received a letter and phone call from a collection agency. I thought my wife was was paying the XXXX bill from her credit card, a truly honest mistake. If I was aware this was being put on my credit card I would have paid the bills when they came. 
I have spoke with Chase Bank and XXXX XXXX numerous times with no luck with regards to resolving this issue. 
After speaking with them, they dismiss my story and tell me I have to pay the full amountof {$600.00}. A major part of this were monthly late charges. 
I have offered to pay the outstanding balance minus the monthly late fees, but am told there is no negotiating the settlement balance, and I believe my story is being dismissed as nonsense. My wife and I have near perfect credit and this is not a financial hardship situation. 
Please review my letter and let me know the best wat to move forward. 
This has become very XXXX XXXX for us since it was brought to our attention. 
My wife is very sick and needs a XXXX XXXX. Her XXXX has been put on hold because of the pandemic. Little unresolved things like this just add to more stress in our lives, Very frustrating. 

Best regards, XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX XXXX  and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in response to a solicitation. I did not purchase a vehicle. I was advised by the agent she needed my social security number to verify my address and I received an alert from XXXX. I requested a letter to dispute as I did not authorize a hard pull. We decided to accept an offer they gave us but confirmed that they would only run my credit through XXXX XXXX XXXX XXXX to get the cash back and apr they were offering. The next day I was alerted that they ran my credit through the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did advise that I am only consenting to SETF as I do have an approval from my bank and do not want all those inquiries. 

This was done without my consent by the sales agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On today, XX/XX/2020, I received yet another harassing, exploitive and threatening letter from Select Portfolio Servicing, the most unjust mortgage servicing entity in XXXX XXXX. It was surprising that my initial mortgage servicer had switched my account to SPS. In any event, CFPB assisted me before on this same issue of SPS penalizing me because it said that my payment did not arrive on the first of XX/XX/2020. Prior to this complaint by SPS, it said I had until the XXXX of each month to have my payment in. Then later, SPS said that I had to increase my monthly payment to cover escrow, and I did. I am seeking a new loan servicing entity because SPS harasses me with impunity constantly. I have attached the very letter sent me by SPS penalizing me because it did not receive payment on the first of XXXX. I do not receive income until the 3-5 day of each month, and have always told SPS such. Now suddenly this issue resurfaces.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which  interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: VA
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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit bureaus show that I had an open balance of {$180.00} and the original creditor was XXXX XXXX  XXXX opened on XX/XX/2018. I disputed it but was told it was accurate and my responsibility. I have no knowledge of this. I have never had XXXX  XXXX. I would like to have it removed from my credit reports.

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 2020-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
UNABLE TO REGAIN ACCESS TO MYEQUIFAX.COM UNLESS I SEND A COPY OF MY SOCIAL SECURITY CARD TO EQUIFAX. 
I have been unable to logon to myequifax.com due to the company awaiting specific documentation to identify myself. To fix this, i faxed my drivers license along with my social security number, birthdate, name and address with a request to correct my access the site, myequifax.com. they had me successfully change my password but still could still not get in online. The next day i was advised that even though i've been identified ( i finally was able to get thru to someone on the phone and they were able to identify me, unfreeze my account and request a copy of my credit report be sent to me ) they could not fix my online access unless i again submitted all my previous sent information BUT in addition I HAD TO ADD/SEND A COPY OF MY SOCIAL SECURITY CARD. I was told that if if didn't send in a copy of my social security card then i would not be able to get access to myequifax.com. I asked if any other document would suffice in addition to my driver 's license and was told, no, i had to specifically send in a copy of my social security card. 
I feel it is unreasonalbe ( not to mention a personal security exposure XXXX to be forced to send them a copy of my social security card to gain online access to Equifax. Especially, since thisis the primary means the public has to maintain and view their Equifax information. 
I am hoping your department can do something to have Equifax improve its methods of confirming idenitication ; they ask plenty of questions ( repeatedly ) and have this information on file already.

Equifax is VERY difficult to work with and nees to improve their processes. Their staff is process bound and simply follow scripts with no interest or desire to understand and fix situations beyond what the script calls for. 
Their response to this will probably be telling me their process is to require the social security card and i have to send it in along with sending the drivers license again, with no attempt to resolve what i consider an unreasonable and unfair requirement.they need to fix their process/procedures. 
I am hoping there is someone there that can help me re-gain my access to myequifax.com site. 
Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2020-10-27
Company: Experian Information Solutions 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:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-27
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:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions 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:
There are 2 accounts listed on my credit report that do NOT belong to me and I have no knowledge of. This is a result of malpractice or an error and is negatively impacting my credit worthiness.

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