BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX hard inquiries, navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), and navy fcu ( XX/XX/XXXX ). XXXX separate letters were sent out to each major XXXX XXXX XXXX in XX/XX/XXXX to have these hard inquiries removed, because I was unaware and did not give my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX Experian XXXX I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Kabbage checking account on or around XX/XX/21 because of a promotion they offered which promised a {$300.00} bonus after using their debit card for five purchases. I maintained this account in good standing. 

Sometime around XX/XX/21 I tried to log in to my account online and received a notice that my access had been blocked. When I emailed Kabbage to inquire, they first responded on XX/XX/21 as such : " Hi XXXX, Thank you for reaching out to us. We appreciate your time and effort in letting us know your situation. Please be advised that we closely monitor accounts for unusual activity and due to this, your account has been permanently locked. For the account 's privacy, we do not have further information. 

Please be reminded that you may no longer spend with your debit card, withdraw funds, or receive and make deposits due to the status of your account. 

Thanks, XXXX Kabbage Banking Specialist '' Later, on XX/XX/21, they sent this second message, without any prompting from me : " Hello XXXX, Thank you for reaching out to us. We will need you to give us a call in order to properly resolve your issue. 

Please contact us between XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday at XXXX at your convenience so we can resolve your inquiry. 
Thank you. 

XXXX XXXX | Kabbage Customer Service Support '' This morning, XX/XX/21, I called to check my balance and determine next steps to restore my access and was informed by the friendly agent I reached that my account was still blocked and he did not think it could be unblocked. He further suggested I have XXXX get my money from Kabbage, even though he could not tell me what my balance was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been applying for a loan modification with Nationstar mortgage for the past year and still have not been able to get Nationstar to review my documents. I have completed all documents and Nationstar has verified they have been accepted except for my profit and loss statement. Thus I redid the profit and loss statement and sent it back to them. Again Nationstar has sent me a request for yet another XXXX and not reviewed my modification. This has been repeated five times now since XXXX 2016. I have done a year to date XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and submitted it four times in 5 months. I fear that all of my other documents for the loan modification they have accepted will soon expire while this delay is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted letters to Transunion requesting their help to investigate and verify the account 's information and have it corrected to appear accurately on my Credit File. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need you to remove the late dates from this account ASAP : 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 2023-05-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Sec. XXXX correction of third party debt collector or credit bureau files in the debt collection laws National Credit Adjusters is in violation of this law on XX/XX/21 and XX/XX/21 they sent a letter stating that they didnt have sufficient time amount of time to research the disputed item. However, they continued to report monthly to XXXX, XXXX, And XXXX  according to the law if a third party debt collector states that there has not been sufficient time to complete the investigation the third party shall immediately change the item in the relevant file as requested by the individual. I have requested in several letters to National Credit Adjuster to provide sufficient proof of the alleged debt with a WET SIGNATURE and contract from the alleged creditor. They have not been able to provide this information to me the entire year. I have requested that these two alleged debts to be removed from all three bureaus immediately. I also searched the state of texas website to see if this company was licensed, bonded, and registered to collect in TexaS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry request from citibank, XXXX on XX/XX/2021. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.

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 2019-03-08
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.

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 2020-07-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.

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 2023-10-26
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis, I failed complaint : XXXX My complaint said : Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : https   : //consumer.risk.lexisnexis.comXXXX  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report Your response had a PDF that was NOT attached. 

So, I am again requesting : Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : XXXX XXXX XXXX/consumer  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2022, I purchased a XXXX from Ford. Several months following the purchase I was contacted by Ford saying there was an error with the paperwork, and I owe an additional {$1300.00}. I requested something in writing which I received 73 days after the purchase of the vehicle. The additional funds paperwork does not match the original paperwork I signed and therefore violates Truth in Lending Laws. Furthermore, Ford has not registered the vehicle in my name and appears to be using the registration as blackmail to get additional money beyond the agreed upon price. As a result, as of XX/XX/2022, the vehicle still has not been registered and has exceeded the 60-day timeframe for a vehicle to be registered in the state of Pennsylvania. 
Below I have outlined the multiple attempts I have made to resolve with NO engagement, concern or interest from Ford who manufactured and financed the purchase. 

*Everything is included in attachment*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. Account name XXXX XXXX  Account XXXX XXXX, has violated my rights. Account name XXXXXXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
This is about wells fargo cpi refund and the tales wells fargo has tryed to get me to listen to. The one yesterday almost caught me off guard. I thought the guy was trying to be funny yesterday. He said that 13 years ago and counting I called wells fargo bank and told them to come get my car. I give up there trying every lie in the book and they wont let me have arbitration as they know there ripping me off.

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 2020-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account without any notice. I have been a customer of theirs for over 5 years. Now they have my money and I have no access to it. I am unable to feed my family, my utility bills are due and I also have my car insurance and car note payment due date coming up. This has put a halt to my life and cause me much anxiety. I have no one to go to who can support me or lend me money at the time. I need my money ASAP so that I can live my life.

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 2019-09-17
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in the mail for a debt that I have already paid on XX/XX/2019 from Paragon Revenue Group. The account number is XXXX when I called I got XXXX on the phone very rude and I told her that I have already paid this and to send this back to the original creditor and to cease all debt communications she then hung up on me. I called back spoke to XXXX and told him the same thing he then stated that he would ruin my credit if I did not pay him and I told him I am disputing the debt and to send it back to the original creditor that my XXXX XXXX account shows a XXXX balance and he said if you dont pay me I will put it on your credit right now and I said I have right under the FTC and FDCPA and he hung up on me. I then called back to ask for a manager and he told me I could not speak to one. They threatened to ruin my credit on a bill that is paid and I have a XXXX balance. They are a fraudulent company. XXXX XXXX is my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company keeps calling about a debt this is not mine. Have told them repeatedly not my debt and I don't know person the debt may belong to. 
XXXX. The name of the company is unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account does not belong to me they put an account that doesnt belong to me

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 2023-02-06
Company: Experian Information Solutions Inc.
State: VA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. 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 UPDATED immediately. 

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 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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.

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 2023-02-06
Company: CNG FINANCIAL CORPORATION
State: MO
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:
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX  XXXX XXXX  opened in 2019. 
{$470.00} I closed this account down back in 2019 because it was a card that I did not open and did not put charges on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: AZ
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:
I have been trying since XX/XX/XXXX to purchase a home and have had my credit pulled several times but the Equifax does not provide my report to the Morgage brokers ( 2 different companies. I have tried over 53 times to correct the issue to no avail. Lenders receive error message of some type of fraudulent inquiry and they have not been able to pull my credit from Equifax this is holding me up. I have called on : 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,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