BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: NAVY FEDERAL CREDIT UNION
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:
To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on ( date ) with your financial institution executed by way of signing an Agreement ( " Document '' ). 
As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXXXXXX XXXX XXXX XXXX ALL NAVY FEDERAL CR UN If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I contacted the bank because I lost my debit card they notified me that someone was trying to deposit a check into the account they said they XXXX video of the person doing it but wont share it with me they closed my account and flag my credit now I cant open a debit card with no bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct 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 explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Upgrade, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I called Upgrade, Inc and I requested that my Upgrade OneCard and my Rewards Checking account to be closed. At that time they confirmed the closure over the phone and let me know that the accounts might still show up in their Internet Banking platform for a few days. 
Today, XX/XX/2023, I checked the Internet Banking platform and both accounts seem to still be active. Even more, the Upgrade XXXX clearly shows an available balance of {$25000.00}, the limit that I had prior to asking the account to be closed. 
As a result, I called Upgrade, Inc again and they verbally told me that the accounts are closed. Despite of this, considering the discrepancy between what I am verbally told and what their Internet Banking platform is showing, I requested a written confirmation of the closure of the two accounts, which Upgrade, Inc refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: California Business Bureau, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my information at a facility that I had no knowledge of, I filed a identity theft report with lapd and gave California business bureau the information they asked for which was a police report and their rejecting the report, tge Manerger also stated even if I gave her the proper documentation that she still wouldn't take the false collection off my report, I believe there's racism involved in this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, My PayPal email : XXXX has money which I can not transfer or use. The 180 days are over yet the money can not be used. All I would require is help so that I can be able to use my money. 

PayPal address : XXXX Thank in advance for any help granted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
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: Was not notified of investigation status or results

Complaint:
Hello I sent a letter XX/XX/2021 to Equifax regarding this account from XXXX XXXX XXXX. This account is being reporting inaccurately on all 3 bureaus so I requested an investigation from them. Equifax never opened up a dispute nor did their proper investigation. What they did do on XX/XX/2021 was change my payment history on this unverifiable account which dropped my score by 89 points. I have included the original letter along with the missed payments that were added to a charge off account. According to the FCRA this account must be DELETED if it can not be verified by the bureau. Thank you XXXX XXXX THIS IS MY SECOND COMPLAINT VERIFY THIS ACCOUNT OR DELETE IT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have filed a complaint in the past regarding XXXX XXXX utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because XXXX XXXX would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to Rushmore Loan Management Services effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with Rushmore Loan management XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 
Between XXXX XXXX and Rushmore Loan Management, I have incurred more XXXX issues and feel this is XXXX XXXX retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of XXXX XXXX and now Rushmore Loan Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Bayview Loan Servicing bought my mortgage loan from XXXX XXXX and within the first week I started receiving Default notices. Bayview claimed I was behind on the loan when XXXX XXXX sold the loan to them. I spent hours on the phone with Customer Service, went back to XXXX XXXX to be told I was whole with XXXX XXXX, and I spoke to Bayview Customer Service and they still insisted I owed money to XXXX XXXX. 
I finally consulted an attorney and under the threat of legal action, I received a letter from Bayview that I did not owe any payments or any fees. They also stated my credit report was not affected. I believe this was in XXXX or XX/XX/XXXX. 

Then in XXXX it started again. I continuously paid my exact payment and did not pay any fees they were charging me. When I called they insisted I owed money and held payments I made in suspense, during this process. Now they are processing my payments but are still charging me fees, and fees on the fees. Enough is enough. I sent them a letter this week and I want to make an official complaint. Hopefully you can help us and clear up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I have contacted XXXX XXXX XXXX and they have revised the payment of XXXX back to cashapp. Cashapp customer service claims they see nothing pending and XXXX has jumped thru hoops showing that they have sent the funds back. Cashapp has no direct customer service manager or line. To fix this situation. 


My cashapp name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XX/XX/2023SNAP ON CRDT 12446 IC SYSTEM 15507**** Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
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:
Through using XXXX XXXX I was able to access my credit report an account that I have never used. I never opened an account with XXXX XXXX XXXX and have never heard of them prior to accessing my credit report. 

XXXX XXXX  XXXX XXXX # XXXX PO BOX XXXX XXXX XXXX OH XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Charge Off : {$5500.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : 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 explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: MD
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:
I am writing to bring to your attention a concerning issue regarding the accuracy of my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I recently conducted an investigation with XXXX, one of the major credit reporting agencies, regarding the hard inquiries on my credit file. I am pleased to inform you that XXXX diligently carried out the investigation and promptly deleted all the hard inquiries that were found to be inaccurate. Under the FCRA, credit reporting agencies are mandated to ensure the accuracy of the information they report. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. Based on the recent deletion of these hard inquiries by XXXX, it is evident that the information currently present on my Equifax report is no longer accurate. As such, Equifax is in violation of the FCRA by continuing to report inaccurate information. In accordance with my rights under the FCRA, I kindly request that Equifax takes immediate action to rectify this situation by deleting the inaccurate hard inquiries from my credit file. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA grants me the right to dispute inaccurate information directly with the credit reporting agency. I trust that as a responsible credit reporting agency, you will comply with the FCRA laws and promptly address this matter to ensure the accuracy of my credit report. Failure to do so may result in further legal action to protect my rights under the FCRA. Thank you for your attention to this issue, and I look forward to receiving written confirmation from Equifax once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Account information incorrect

Complaint:
XXXX XXXX  reports my XXXX XXXX account into collection. This account was paid in full and should have never been reported on 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 2020-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.

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 2023-04-03
Company: CORELOGIC INC
State: AK
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:
XXXX and CoreLogic refuse to send me a copy of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I suspect that Verizon Visa card which is issued through Synchrony Bank does not actually issue all the Verizon XXXX  rewards  it promises. I noticed this when a reward was not generated for a {$1400.00} transaction I made that was posted to my account. I glanced through the rest of my rewards and I suspect some were missed here and there. I called customer service and they issued the reward on my statement but that was XXXX ago and it is still not showing up in the app where I can use it. I was told it would take XXXX hrs. This is a scam costing me {$14.00} and I suspect more for rewards they have cheated me out of in the past.

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 monetary relief