BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Kriya Capital, LLC
State: NV
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Wells Fargo had unaccounted for the fact that I was not part of the Homestead Exemption Scheme of which I am now. I believe Wells Fargo had fix my monthly mortgage repayments to reflect that fact that I have applied for this scheme just as the previous owners had done so. Once I was over a year and a half living in my home I got a message saying that there was a shortage in my escrow account and that I was due to pay just over {$3800.00}. 
I understand how the escrow system works and also understand the process of the automatic payments they make on my behalf to the relative county tax service. What I am unsure of is how a bank can set a fixed 30 year loan and not realize that they made a mistake and then pass it back on to the consumer. I know that mortgages even though they are fixed can fluctuate due to property tax increases and the such, but not over {$400.00} a month. 
I would like to know if the bank is the one liable to pay for this money considering they seem to be the ones who made the mistake and did not make me aware of this Homestead Exemption at any time. 
I have contacted my local tax assessors office and they have looked into my property and noted that I am due a refund, however this refund barely covers the total costs that Wells Fargo is saying I owe them

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 2022-12-09
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of robbery on the street in which my phone was stolen from my person by 4 individuals. These individuals proceed to access the phone and attempted and successful in some instances to make various transactions from multiple banks, money transfer apps, XXXX and more. These individuals transferred {$2200.00} from my Navy Federal Savings account through the mobile app to accounts they linked through the app that night. They also transferred {$680.00} from my checking account. 

I contacted the police and an investigation is ongoing. Police Report # XXXX Washington, D.C. Metro Police Department XXXX XXXX XXXX. 

I then contacted all my banks, phone company, the whole works about locking accounts and getting issued new banking cards etc. All the other financial institutions either blocked the thief 's from accessing my accounts ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX ). All the linked credit cards that were compromised such as XXXX XXXX and a XXXX charge to XXXX XXXX were all quickly ( within 2-24 hours ) returned back to me and deemed fraud. Navy Federal Credit Union however, returned the {$680.00} back to my checking account considering this fraud but had a separate investigation for the savings account which I spent numerous hours on the phone trying to get updates on my case. 2 months have gone by and I just received a letter from Navy Federal saying they will not be returning the money to savings account and deemed my responsible for the claim. 

I was robbed, police were contacted, banks were contacted immediately. These individuals who I do not know did not know were able to access my bank account without having my password to bank. If they are not returning the money that is ludicrous because they are basically saying my money is not safe with their institution. They also returned my checking account funds which they money was all transferred in at the same time in the same way. I need your help. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: AR
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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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: Account status incorrect

Complaint:
XX/XX/XXXX I disputed with XXXX XXXX XXXX XXXX. on the validity of debt. It was completed on XX/XX/XXXX and thus deleted. I advised Experian and XXXX that item was deleted but they havn't deleted it off their reports yet to date. Please help

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

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

These are clear violations of my federally protected consumer rights.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received notification that my mortgage was sold by XXXX to Carrington mortgage back in XX/XX/XXXX. During this sell of my mortgage, Carrington Mortgage cancelled my automatic monthly payments without my knowledge or authority. During the duration of my mortgage with XXXX, I had zero late payments and all monthly payments were automatically drafted from my checking account. I was shocked when I received a document showing I was behind on my XXXX payment. At this time, I called Carrington Mortgage and asked why they cancelled my automatic payments and they could not give me a valid answer. At that point I asked how to set this back up on monthly automatic payments for mortgage payment. I filled out the bank form provided and mailed in the check for XXXX and XXXX mortgage payments. By completing and submitting this form, I was advised that the mortgage payments would be drafted automatically from the checking associated on the form. As of today, XX/XX/XXXX, I  received a letter from Carrington mortgage stating my account has been sold again. At this time, I called Carrington Mortgage to find out what has happened they explained that I am behind on payments from XX/XX/XXXX to current date of which I had not received no notification of any kind. The lack on notification and communication on the part of Carrington Mortgage has caused the disruption to my mortgage account. No verbal communication has occurred between myself and the mortgage company, beside the phone call made in XX/XX/XXXX to discuss the re-enrolling of the automatic payment and the phone call today XX/XX/XXXX.I attempted to pay the monthly payments for XX/XX/XXXX - XX/XX/XXXX, but they told me that I could not pay anything until I was charged attorney fee 's. In attempt to remedy this and bring my account up to date, I was denied the ability to pay. I also tried to go online and login to Carrington Mortgagee to view past payments and the ability to see what is due, the account has been denied user access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Trident Asset Management, L.L.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TRIDENT ASST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH Mortgage is double dipping on collecting payoff amount by considering increased value due to improvements made and not giving credit for invoices and cancelled checks as evidence that I paid for these. They previously verified improvements on XX/XX/XXXX and had their Appraisal that can be matched to see the subject did not have the new improvements made and verified with new appraisal in XX/XX/XXXX. Ive requested to speak with Supervisor as my payoff request has not been completed in almost 30 days. They are taking advantage of improvements made after XXXX by using the new value and requesting due to pandemic worldwide use the new value that confirms improvements made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is reporting inaccurate personal information that does not belong to me with included inaccurate names and inaccurate addresses. There are unauthorized hard and soft inquiries that I did not give consent or permission to and that I am totally unaware of. And they are reporting transactions and experiences on an account that is to be excluded from my consumer report. This has paused me to be declined credit and ruining my reputation and defaming my character.

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 2017-12-28
Company: Experian Information Solutions 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:
cra violation XXXX breach has caused me all kinds of damages inquires that not mine and experian has not removed the inquires that are not mine i sent them documentation a billion times with the police 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 2023-12-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, XXXX CREDIT BUREAU, EQUIFAX INFORMATION SERVICES LLC. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, XXXX AND EQUIFAX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company added a debt collection to my credit report. I have requested documents stating I owe this company as I am unaware of the debt. I have received a text message but nothing in writing. Please remove this debt from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Personal information incorrect

Complaint:
The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( 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 2023-06-30
Company: WELLS FARGO & COMPANY
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 have recently been informed that there is negative information reported by Wells Fargo bank in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid 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:
In XXXX of 2019, someone solicited my credit card information that was only allowed for emergency use. Within a very short period of time, he maxed out all credit lines, opened a new one, and attempted to open more. In total, the amount was around {$38000.00}. He gave me money a few times to pay down the balance assuring me that it was temporary and he was going to pay it all off. In hindsight, he was likely pulling out cash advances from mine or even other people 's and giving me that instead! Now the Credit companies think this was fully approved since it looks like I was paying the cards down. In reality, I was frantic and desperately trying to save my credit score that was around XXXX prior to all of this since I had never experienced this level of betrayal before. He soon became extremely difficult to contact, so I spoke to his family and close friends. I learned he has done this to at least two other people who were close friends or relatives. In total, the amount stolen is around {$220000.00}. That's only what we know of! Please be very careful on who you trust, check your statements every month, and cancel your cards as soon as you think something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this Account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting Account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Account below. 
XXXX XXXX XXXXXXXX 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 2020-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.

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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase offered me a Chase XXXX XXXX card two weeks ago. I immediately signed up for it and instantly got approved a week ago. When I checked my online account today, I found out that they suddenly closed the account! They also did it with another credit card that I applied for which is the Chase Slate. These two cards were opened about a week ago. did n't even get the chance to get those cards in the mail yet -- they already closed it without prior notice.

Company response to consumer: Closed with explanation