BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After further review of my credit report I notice, Navy Federal is reporting a late fee on my report from XXXX during the pandemic. I have exception payment history with Navy federal credit union so to see a late payment being reported is heart breaking. I am asking in good faith for this late payment to be reversed due to the payment being sent in a timely manner. I have contacted Navy Federal customer service, and they advised it was nothing can be done, although XXXX was a difficult time for the entire world. I will hate to think a company like Navy Federal doesn't care what their clients were going through during a pandemic. I have had this account since XXXX and as of today XX/XX/XXXX, There is only 1 late payment being reported which is negatively impacting my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end 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 non-monetary relief
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion stated in my last complaint that there is an unauthorized third party and they needed authorization to proceed. Transunion, please be advised that this CFPB account is in my husband XXXX XXXX and my name, there is no third party, I uploaded a copy of my drivers license and a copy of my social security card so that you would know it was me, so please don't say you need authorization, you YOU ARE AUTHORIZED! Now let 's try this again, PLEASE RESPOND TO COMPLAINT BELOW! 

Transunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they may be trying to say they confirmed through them that the Bankruptcy is Accurate. The FCRA under Federal and State Law says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXXnvestigation Results is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX etc., and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in Violation, because they failed to give me the name, address, and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
As a consumer, I believe that I should have the right to opt-out of soft inquiries that do not provide sufficient protection for my credit file. I previously requested to permanently opt-out of promotional offers and advertising solicitations from Experian 's vendors, but my request was not honored. When I spoke to XXXX and XXXX, two Experian representatives, they informed me that vendors have unrestricted access to my credit report. In order to safeguard my privacy, I decided to freeze my credit file. However, Experian continued to allow vendors that I have no affiliation with to access my credit file every seven days, which is a violation of the law. As a result, Experian has performed soft pulls on my file from XX/XX/2022, up to the present day. The entity that accessed my information is located at XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I want to clarify that I never authorized Experian Data Quality to pull my credit report every seven days for any reason. These unauthorized soft pulls by Experian Data Quality are concerning.

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 2023-08-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of 2023 I was supposed to move to California from Georgia, however we soon realized I would not be leaving until late XXXX. I called my leasing company whom told me I would be able to change my address with no changes to my payment. I changed my address in XXXX of 2023 to my parents home in California, at the end of XX/XX/2023 I called my leasing company explaining that I was not moving until XXXX, my following statement from my leasing company included a Sales/Use Tax for roughly XXXX dollars. I was confused where this sales/use tax was coming from and called my leasing company again. I was told it was because my address was changed to California. I explained the situation and what I was told, the representative stated that I would have to call the California tax authority to get the issue resolved. While this is being taken care of I was still paying my monthly car note but did not pay the sales/use tax because it was something I did not agree to paying. I called the California Tax authority and was told there was nothing they could do because my car is not registered in California and that Kia, my leasing company should be able to just remove the sales/use tax from my billing. I called Kia and explained this situation to them when I was once again met with a rebuttal that I just need to pay it and California will give me a refund, I once again called California Tax Authority which they said was not possible. From Monday XX/XX/XXXX to Thursday XX/XX/XXXX of 2023 I received 7 calls from Kia 's finance department stating my account was past due for XXXX dollars, which was the sales/use tax. I gave them a call back XX/XX/XXXX at XXXX am to explain that I was still waiting on a return call from the California tax authority to get the issue resolved. From that call alone the representative said he would put a note on my account to let them know that the outstanding balance was from a sales/use tax. From XX/XX/XXXX after talking to them about what was going on I received 3 calls on Sunday XX/XX/2023, 2 calls on Monday XX/XX/2023, and 2 calls Tuesday XX/XX/2023, and then another 2 calls today Wednesday XX/XX/2023. I called them today XX/XX/XXXX and explained the situation once more, I was then placed on hold for over 30 minutes and then the line disconnected.

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 2017-04-17
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a property in  XXXX   XXXX , CT and while I was in the mix of my repairs,  XXXX   XXXX  contracted  XXXX   XXXX  to preserve the property.  XXXX   XXXX  changed the locks and in the process caused significant damage. I contacted  XXXX   XXXX  about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and XXXX didnt give them permission to do so.

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 2022-08-15
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, Since XX/XX/XXXX my loan was transferred to Mr.Cooper/XXXX from XXXX. In the month of XXXX my payment for the loan went to XXXX at the time as I was not aware that my loan transferred. However, the payment was send via online banking ( bill pay ) to XXXX who reported that the payment was send to Mr. Cooper/XXXX. I have supplied Mr. Cooper/XXXX with bank copies of transaction history for XXXX and XXXX that support my mortgage payment was send and processed out of my account for XX/XX/XXXX payment. Mr. Cooper/XXXX continued to report false information to FICO/credit bureau that I am behind on my payments and continues to charge me a late fee. XXXX Mortgage also confirmed that the payment in XXXX was sent to Mr. Cooper and denied any claims that I was missing any payments. XXXX has continued to mislead me as a consumer in this matter, this matter has caused great stress, anxiety and interferes with my family goals and purchasing power. 
XXXX sent to XXXX Mortgage in XXXX That payment was sent to Mr. CooperXXXX XXXX Mr. Cooper reported that payment was sent back to XXXX who denied such claim and knowledge of payment being sent. please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-07-12
Company: SYNCHRONY FINANCIAL
State: SC
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:
On XX/XX/2022 Synchrony Bank which was the financial bank for Mattress Firm closed my account because they deemed that my credit history indicated that I would not pay my bills in the future. What they were referring to was my payment of {$50.00} was paid electronically as {$70000.00}. How this happen I dont know. I sent letters to the XXXX Boards of both Synchrony Bank and Mattress Firm. Mattress Firm contacted me and they understood there was some kind of glitch and when he contacted Synchrony Bank whoever he talked to agreed..no mattress is worth {$70000.00} and it had to be a glitch. But Synchrony Bank did not agree AND they also closed a Belk account which I owed nothing. 
My credit score went from XXXX to between XXXX. 
Please help me to have my credit rating with Synchrony Bank repaired. I did nothing wrong! 
Sincerely

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 2022-07-19
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
While attempting to refinance my mortgage, my lender notified me that I had a delinquent account with American Education Services. I logged into my account and noted that I currently owe XXXX dollars and searched through my account related letters and billing statements, noting that there were no bills located within the account. I emailed AES on XX/XX/XXXX and XX/XX/XXXX and spoke to AES representatives on XX/XX/XXXX and XX/XX/XXXX. 

During my conversations the customer service representatives could not find any bills related to the account, and, were unable to find information related to why the accounts were listed as defaulted. The first representative encouraged me to sign a formal letter asking for confirmation and copies of bills related to the account given that I had never received them. He then told me ( on XX/XX/XXXX ) that I would receive a form in my email that I could sign that would " bring the account current '', no such email was received and I reached out again on XX/XX/XXXX. 

I am confused as to why I have never received a bill related to this account and am requesting that the late fees be waived, and, that the account be marked as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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 was applying for a car however more inquires came on my account without my use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 2017-04-17
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied for an extension on   XXXX   XXXX  . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on   XXXX   XXXX  . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through   XXXX   XXXX   which does not exist in  XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is  XXXX  and I pay  XXXX  which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today  XX/XX/2017    at   XXXX   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 2022-07-19
Company: EQUIFAX, 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation