BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: KY
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:
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 8. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX  XXXX- " Requested '' XX/XX/XXXX 10. ) XXXX- " Requested '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX- " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2019-02-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2019-02-27
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a charge off for {$200.00} on my credit report from Miramed Revenue Group. I have never been contacted by this group. This is not a valid debt and I think they are running a scam. I had hospital bills that have all been paid. I believe they have stolen personal information about me, and have filed this collection as a way to intimidate me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JMAC LENDING INCORPORATED
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were working with a JMAC Lending loan processer, XXXX XXXX, on two mortgage refis. She lied to me, claiming XXXX XXXX had requirements for me to supply additional documents. I looked up the XXXX   XXXX Selling Guide, sent it to her proving her wrong. She called me up, started an argument, yelling at me, then hung up. Then she sent the mortgage broker an email, lying about our phone call. 

Since then, XXXX keeps coming back, claiming the underwriter needs more info on both of our loands. For instance, we provide 12 months of bank statements, now she wants 13. How is that relevant. She is interfering in our loan process, intentionally causing unecessary delays, along with making false statements about us. Our loan was supposed to close this week, but that looks unlikely. In fact, XXXX is interfering so badly, it does not appear as though we will even close, ever. 

Now, no matter what we do, with each new " request '' from underwritting, I send in the information and we're met with yet another new request. 4 times now. Friday, Tuesday, Wednesday morning, and AGAIN Wednesday evening. Extraneous requests for absurd information. 

Even the loan officer, who normally doesn't interact with underwritting, has lodged a complaint. 

Our loan lock will likely expire before the laon closes, due to XXXX 's unethical behavior. Rates have gone up and it will cost us more money because XXXX is retaliating, sabotaging our loan approval. 

If we have to abandon this lender due to XXXX sabataging our loans, the rates have changed, they have gone up since we started this proces. That will cost us even more money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: CNG HOLDINGS INC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I leased a refrigerator from The XXXX outlet store located at Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. I exercised my early purchase option on XX/XX/XXXX and paid off my lease. I then decided to cancel my 5 year XXXX purchase plan warranty on the same day. ( cost of XXXX ). I started making phones call at XXXX XXXX est on XX/XX/XXXX, after being transferred multiple times, and dropped into different call queues, I was able to get the warranty cancelled, HOWEVER I am now being told that I have to wait 15-21 business days in order to receive a CHECK for {$590.00}, because it is there policy to issue a refund to the method of payment that they have on file. THE METHOD OF PAYMENT ON FILE IS MY DEBIT CARD that I have been paying with since XX/XX/XXXX. It does not make sense that I have to wait all of this time to get my money back! They need to issue my credit onto my card. I received a series of conflicting answers through out this entire process from both the people the XXXX outlet, TEMPOE, and WHY NOT LEASE IT ( same company ) horrible customer service, incompetent people, and poorly trained. I also found out that the address they have on file is incorrect on the first go around, the rep said he fixed it, but when I called back, it is still wrong. So whatever check they are sending me, will not reach me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Company presently has me blacklisted never once an issue with them. Multiple supervisors advised I should not be encountering any issues based upon what they see and i was enrolled in this by error. Each states they submitted request for expedient removal of holds with 2 of them advising former accounts would be reopened that never happened. 

A simple XXXX search will show this is a very common practice. I pay early every month one of the cards has a {$0.00} balance and still crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A XXXX XXXX YEAR OLD VICTIM OF IDENTITY THEFT. I DID NOT OPEN THIS USAA ACCOUNT. XX/XX/2020 I submitted investigations to XXXX   & XXXX of USAA CREDIT REPORTING PROVIDING FTC ID THEFT REPORT XXXX & REQUESTING ORIGINAL WRITTEN DOCUMENTATION I OPENED THIS ACCOUNT TO VERIFY THIS ACCOUNT WAS/IS MY ACCOUNT.??? SUDDENLY, after 35 years of USAA VERIFYING ME WITH MY PROFILE DATA FROM MY AUTO INSURANCE ** SUDDENLY MY DRIVERS LICENSE IS NEEDED.??? XXXX How SNEAKY of USAA TO SUDDENLY NOW BE ** UNABLE TO VERIFY ME ( after 35 yrs of verifying ) ME & ASK FOR A COPY OF MY DRIVERS LICENSE?? USAA IS THIS TO DOCUMENT PROOF I OPENED THIS ID THEFT ACCOUNT PERHAPS USAA???? I DO NOT TRUST USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have discovered there is Fraud in regard to a certain " Uniformed Secured Instrument '' / " NOTE '' associated with my loan/ mortgage. It has come to my attention that there has been a failure for " Navy Federal Credit Union acting as Trustee '' to disclose information to myself as a consumer for financial gain. " Navy Federal Credit Union acting as Trustee '' is involved in the illegal transfer on my Estate/Property, where documented fraud has occurred.This matter has been thoroughly investigated & will be personally delivered to the FBI, The Pennsylvania Attorney General Office, the Secret Service and all agencies for investigation and prosecution, resulting from violations of Federal Law including, but not limited to, COUNTERFEITING and CONSPIRACY TO DEFRAUD. It has come to my attention that " Navy Federal Credit Union acting as Trustee '' is in possession of a counterfeit " Security Instrument '' or " Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, which was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of " Navy Federal Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said " alleged debt ''. The security instrument is not the original underlying " wet inked '' Promissory Note/ Negotiable Instrument Pursuant to Article 3 of the Uniform Commercial Code. Mortgage loans are Governed under Article 9 of the UCC only of the mortgage passes as an incident to its underlying debt. The security instrument that " Navy Federal Credit Union '' has is " unenforceable '' as it has no governance since it describes itself as a mortgage loan that is secured by the original mortgage only, and further describes itself as a " security instrument ''. " On its face '' this document has no negotiability pursuant to Article 3 of the Uniform Commercial Code, and there has not bee a presentment of the original wet ink signature copy of a verified authenticated copy of the original attached to the complaint in the foreclosure proceedings, providing the signature on the documents submitted was signed by my hands and is not a forgery, whereby the use of this counterfeit instrument to collect a debt is unlawful and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.

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 2020-05-21
Company: EQUIFAX, INC.
State: NJ
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:
Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
call transunion bout inquiries on my report that didnt authorize car dealership gave inquiries when didnt need a vechile try to resolve it tell them it not me had fraud against they were several inquiries on XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX also XX/XX/20

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 2020-05-21
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I received a letter from Nelnet thanking me for applying for a XXXX..This letter is dated XXXX XXXX. Now heres the problem I never applied for anything. This company unbenouced to me automatically did this.pulling it from the holder ( XXXX ) where it was in hardship status The letter goes on to state garnishment threats etc.How is it that this 3rd party company can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: United PanAm Financial Corp.
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: Information belongs to someone else

Complaint:
hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm having an issue within wellsfargo 's covid19 forebearance program, in XXXX I opted for 3 month suspension. After I learned more about it I called XXXX asking for information on how I would be paying back the loan forebearance. On both occasions the rep sidestepped abby concrete options on how i would be paying back the forebearance. They would not give me a concrete plan! Add my loam is a XXXX XXXX loan, they said I couldn't defer the 3 months without a loan modification, and i can't get a loan modification if I'm unemployed, and the only reason i asked for forebearance wad because there fed said i could grey one. Them they took away my online link to pay my mortgage online before the forebearance was over. There is no transparency from wells Fargo on what my option is to pay the forebearance. A lump some payment is a long shot. I read that XXXX XXXX backed loan ther servicer is supposed to offer the consumer deferment. It seems that wells Fargo is partly being vague about the terms ...

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 2019-08-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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 2018-10-04
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I contacted them by email to stop ACH and they said they couldn't without a different payment source. The interest rate is over 400 % and they won't let me set up arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Navient Solutions, LLC.
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: Public record information inaccurate

Complaint:
I tried to contact Navient by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. Navient has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Fraudulent security trading, lending and consumer practices. Two investors claiming illegal right to property not entitled

Company response to consumer: Closed with explanation