BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 have sent certified letters to NFCU on XX/XX/2021 and i have on numerous occasions submitted complaints with CFPB about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. NAVY FEDERAL CREDIT UNION has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person NAVY FEDERAL CREDIT UNION thereby making the reporting of this accounts payment transactional history inaccurate. 

Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) NAVY FEDERAL CREDIT UNION has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. XXXX XXXX transferred eligible loans to XXXX around the summer time in XXXX. XXXX, XXXX, and Equifax all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX  bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is reporting a writw off when it is a repo The company repo the car while I was on XXXX XXXX which is against federal law Experian is also showing I XXXX from this company which are fraud I never did or gave permission Experian is letting helping company report frauds on my report XXXX is the company with a repo car account they are reporting as an writw off I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I want all proof from experian and the court order to reposes a auto while a soldier is on XXXX XXXX order which carries 60 days from return

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 2023-12-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account at Ally online bank. 
The ally account was connected to my XXXX  account. 
My XXXX  account was hacked and someone sent money to the scammer, using the connected bank ( ALLY ), on my XXXX. Two transactions. 
Ally reversed the first transaction, but they refused to reverse second transaction for some reason. 
No reasonable explanation/reason was provided. 

Reversed TX : XX/XX/2023 XXXX XXXX XXXX {$49.00} But this one was not reversed Reverse-Rejected TX : XX/XX/2023 XXXX XXXX Future Amount : XXXX ~ Tran : XXXX {$99.00}

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 explanation
Consumer complaint received 2022-01-18
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
filed a complaint with you with the CFPB XXXX XX/XX/XXXX and it was the case number XXXX - XXXX. 

I don't believe you addressed it a lot of the issues the issue number one was the attorney I had hired sent you papers all you had to do is sign them and the loan would have been paid off. YOU guys didn't do that OK you guys always kept saying we will do it. 

You say in that letter that I was the executor I was never the executor of my father 's estate If I was the executor in the estate they would have paid for the loan but I wasn't the executor and it executor needed prove that I was not on the loan. 

I show I have 12 hours I'm just calling the last 3 months when the judge said we're gon na give you a little while and then I went to court again and the Judge give one month extension. I still didn't get the letter The estate of XXXX XXXX XXXX was paying the loan off if I got proof that he was the only one liable for the loan. My lawyer even sent papers all you had to do was sign them and send them back and you couldn't even do that so I feel that was negligent on your part. After 2 years of trying to get that paper talking over 30 different people even relationship managers let 's see I've had 3 of those I think You said you sent me letters with the interest rate going up. If you look at the address you sent it to my dad 's house you never change the address in XX/XX/XXXX when I sent it with the birth certificate so I never even got the 1st one on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to demand removal of illegal information on my report. I have not given consent, authorization, written instruction, permissible purpose to report my medical information. This is a violation of myriads of hipaa and privacy laws including but not limited to 42 usc1320d-6. It is a violation to disclose and obtain this information and I will get law enforcement involved removed immediately. I demand removal and rapid rescoring of my report. 

Consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal. This obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This violation of my rights to privacy is very serious and does come with legal implications for ALL parties involved. I am giving in good faith opportunity to cure. I waive all rights to sue if this matter is taken care of within XXXX days. 

Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA, HIPAA. This is also a violation of the criminal and tax code. 

These are also Violations of state multitudes of state laws including but not limited to FInancial services consumer privacy Act, Consumer Credit reporting agencies act, Personally identifiable information protection act, Illinois Fair Debt Collection Practices Act and health information privacy act. 

Rather than risk liability for MILLIONS in fines, fees, and penalties and injunction for these violations on the creditor, data furnisher, reporting agencies, debt collector with the FTC, SEC, CFPB, OCR, OCC, AND ATTORNEY GENERAL.. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. Have a wonderful day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.

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 2021-02-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender : LakeView Loan Servicing Company NMLS : # XXXX Lakeview Loan Servicing : XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Problem : After repeated requests for the status of an imminent loan modification ( between XX/XX/XXXX - XX/XX/XXXX over 150 days ), Lakeview Loan Servicing LLC has not provided any electronic or written correspondence regarding the status of my existing mortgage. 

History/Details : I participated in the COVID-19, 90 day mortgage relief program in XXXX of XXXX. Note : The loan was current at the time I opted into the COVID-19 mortgage relief program - My credit score was/is around XXXX - There were no title issues at the time of my opted-in and there were no title or financial concerns between XX/XX/XXXX - through present day ) On XX/XX/XXXX, I verbally agreed and accepted the Lakeview Loan Servicing LLC option to expire the XXXX mortgage relief program. On XX/XX/XXXX, I also agreed that the existing mortgage would be modified to take advantage of the lowered interest rates. 
Lakeview Loan Servicings customer service members informed that paperwork would be sent to me and that the new mortgage terms would start in XX/XX/XXXX. 
Since the XXXX week of XX/XX/XXXX, I have contacted Lakeview Servicings customers service number ( on two weeks intervals ) to inquire about the status of my loan and the imminent loan modification. Each time I called, I was told that while the loan departments are extremely inundated, the mailing of any appropriate loan documentation was imminent. LakeView servicing refused to provide an email or letter form communication providing notification of status or receipt of prior communication. 

As of XX/XX/XXXX, I have not received any correspondence from Lakeview. 
I have incurred over ( {$18000.00} ) XXXX XXXX dollars of additional principle to my loan amount over this period. I am extremely hesitant to send unsolicited payments to the lender in fear that the payments would not be applied correctly or considering their refusal to provide reasonable communications, even acknowledged. 

I am very concerned that Lakeview Servicing is participating in lender misconduct or perhaps fraud. I would like to not only file this complaint, but take advantage of every opportunity available to help bring this to an issue to a close and if possible, protect me from any adverse results that may be incurred do to Lakeviews negligence.

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 2023-09-28
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wish to use your organization to amicably settle my dispute with crypto.com regarding a financial scam that caused me significant financial and psychological harm. See attached PDF file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full. Previously, this debt was held by another agency. I reported and demonstrated proof of payment and the debt was removed from my credit report. 
On XX/XX/XXXX, I called and spoke with a representative by the name, XXXX. She informed me that this debt was in fact valid and she was looking at the documents in my file. I requested this information be sent via mail and she disconnected the call after telling me she is unable to do so. This debt is NOT valid. It has been resold and any attempt to collect on this is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was stolen and used by someone, I called the card issuer to file a report. After waiting several days I was informed that the claim was denied. I called to find out why, I was told that because I had made online purchases during the time frame that I MUST have had the card in my possession. Like most people who shop online the card information was saved with each merchant I shop with. 
The card issuer was very rude about the situation and said that their decision was final and I could write to the company president about the situation. 
All of the charges are as followed : XX/XX/2023 XXXX {$130.00} XXXX XXXX- {$11.00XXXX XXXX XXXX  {$3.00} XX/XX/2023 XXXX XXXX- {$9.00} XXXX XXXX {$33.00} XXXX {$74.00} XXXX- {$39.00} XX/XX/2023 XXXX {$13.00} XXXX {$31.00} XXXX  {$62.00} XXXX {$34.00} XXXX {$38.00} XX/XX/2023 XXXX {$20.00} XXXX {$32.00} XXXX {$34.00} XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Arvest Bank is selling the branch in my town to another financial institution and I no longer wish to bank with them, because the new institution does not have branches in the locations I frequently stay. I.e. in my college town, I am currently a student. I went to the Arvest Bank in XXXX, AR on XX/XX/2022 to close my account and while I was at the bank I noticed there was an unauthorized charge on my account. I asked to dispute this charge and was told that I could not dispute the charge since I was closing my account. My family works in XXXX  and I know this to be factually incorrect. I can not be denied the chance to dispute an unauthorized charge, per Regulation E. When I brought this up to the branch, they continued to deny filing my dispute and told me that the only way I can dispute the charge is if I chose not to close my account and continued banking with them. I am extremely dissatisfied with the service Arvest Bank has provided over the time I have had an account with them. If they have done this to me with such disregard for the law, then I can only imagine how many other customers they've done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 previously disputed with TransUnion, XXXX and XXXX on XX/XX//2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2018-04-21
Company: ECMC GROUP, INC.
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See attached letter. 

In summary, Educational Credit Management Company submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XX/XX/XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three 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 2023-02-09
Company: Experian Information Solutions Inc.
State: OH
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:
On or around XX/XX/XXXX or so, I started reviewing my credit report and have noticed I am a victim of Identity Theft. Many furnishers reported my private and personal information to the credit bureaus without my consent. I have also been studying the law to understand my federally protected consumer rights. Pursuant to 15 USC 1681C-2. The Credit Reporting Agencies ( XXXX, XXXX, and Experian ), are required by law to block fraudulent information within 4 business days and to promptly notify the furnisher. 

I am seeking assistance from the CFPB to assist in this matter to have these items removed 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