BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union ( NFCU ) violated my consumer protection rights on two basis. First, I applied for but withdrew my mortgage application, and without my consent, it was still submitted to underwriting. Second, because I was not given notice and opportunity to address the factors considered in my mortgage application, I have no choice but to believe the decision to deny my application was made based on my race. 

First, on or about XX/XX/2023, I submitted a mortgage application to NFCU. 

On XX/XX/2023, XXXX XXXX, NMLS ID # XXXX, of NFCU contacted me and inquired of information from me regarding my application. XXXX XXXX informed me that i should lower my requested loan amount by {$100000.00}, from {$500000.00} to {$400000.00} due to debt to oncome ration from my student loans. XXXX XXXX informed that otherwise, my application would be denied. I instructed XXXX XXXX to hold my application before sending to underwriting because I would not be able to purchase a home with the suggested loan request in a high cost of living metropolitan area. XXXX XXXX informed me that I would have the opportunity to submit documents indicating my true debt monthly payments to underwriting. After conducting further research, on that same day of XX/XX/2023, I learned that I pre-qualified with another lender with the requested amount of {$500000.00}. 

Subsequently, on XX/XX/2023, I exercised my right to rescind my mortgage application by providing written and oral notification to withdrawing my application. Hence, at this juncture the application should have been reported as a withdrawn application. 

Second, yet, without my consent, XXXX XXXX forwarded this application to underwriting. I was never notified that application was moving forward and I was additionally never given the opportunity to submit evidence regarding my monthly student loan debt payments. 

Nearly a month later, XX/XX/2023 at XXXX XXXX in the morning, I received notice that NFCU took adverse action and not only forwarded the application to underwriting, without my consent, but denied it. The denial allows NFCU to report the application as denied, instead of withdrawn. This adverse action affects my credit and credit oppurtunity to buy a home as an African-American single woman. It further affects the reportable data of denied home applications, specifically as it pertains to the home mortgage application approval gap between XXXX XXXX and other races. This widens the existing disparity. I believe NFCU took the adverse action based on my race, as I was not given notice and opportunity to address the factors considered in my mortgage application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023, I reached out to your esteemed organization to request an update and correction of the personal formation section of my credit report. I would like to remind you that it is not only the responsibility of the creditors but also yours to report only true and accurate information. 

I have taken the initiative to update my personal information with all the creditors listed on my report. If any of them are still reporting anything other than the information provided below, it signifies a failure to report accurate information. Therefore, I demand that you delete their reports from my account immediately. 

Furthermore, I want to draw your attention to certain erroneous information that is still present on my credit report. As you are required to report only true and accurate information, this will be my final request for you to rectify the mentioned data before I proceed with filing a complaint and potentially initiating legal action. 

Kindly delete the following information from my credit report : 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 I eagerly await your prompt response. In addition, I kindly request that you include a copy of my updated credit report reflecting the changes made. This will enable me to review the modifications and ensure that my credit information accurately reflects my current financial standing. 

Thank you for your attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. Should you require any additional information, please do not hesitate to contact 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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX and I, as a consumer, am making this complaint against Transunion. This complaint is relating to the CHARGE OFF account from XXXX XXXX, ACCOUNT NUMBER XXXX. Transunion has been inaccurately reporting information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon my consumer report being fair and accurate. Not only is the information inaccurate, I was never notified when this information was furnished, and during your company 's initial investigation that this information would be reported. This grave error has undermined my confidence in Transunion 's procedures. This unfortunate mishap has ruined my reputation and adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 2 ), Transunion is a powerless elaborate mechanism. Also, Transunion ASSUMED this role. Transunion was never given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Transunion fail in the initial investigation of this information, Transunion ASSUMED this role and assumed this information was valid ; which is a violation of my consumer rights. Transunion did not insure that this information being reported was accurate and did not exercise their grave responsibility with fairness and impartiality. Transunion took one side of the story and never consulted with me to ascertain if this transaction even took place. My right to privacy has been breached and violated. ( SEE EXHIBIT A ). Congress has made it abundantly clear that a consumer report SHOULD NOT include transactions between the consumer and the person making the report. This is another violation of my federally protected rights. I was never given opportunity to deny this information being communicated on my consumer report. This is another blatant violation. Pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit of a credit card should be excluded from my consumer report. This alleged transaction that Transunion clearly did not investigate is categorized as a transaction that was issued from a credit card ; credit card as defined under 15 USC 1602 ( L ). Definition attached and highlighted in EXHIBIT B.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 
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 2022-09-26
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never applied for nor opened any credit account with JP Morgan Chase or any of its affiliates. This is NOT an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY. 

Attached : Proof of Fraud reports ( including Chase e-mail ) Proof of Police Reports Self Identification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
who it may concern ally financial is still showing this account is closed with a Balance .and a repo on my credit file .CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU PERMANENTLY REMOVE YOUR NEGATIVE ITEM FROM CREDIT REPORT USING MY 609 LETTERS

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 2023-10-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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 credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.

Company response to consumer: In progress
Consumer complaint received 2023-11-28
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: Reporting company used your report improperly

Complaint:
As a consumer, I am deeply impacted by the provisions outlined in the Fair Credit Reporting Act, 15 U.S.C. 1681, including section 1666 ( b ). Section 1666 ( b ) addresses the reporting of delinquent amounts that are in dispute between a creditor and an obligor. According to this section, if a creditor receives a written notice from an obligor stating that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, the creditor is prohibited from reporting to any third party that the obligor 's amount is delinquent due to failure to pay the disputed amount under section 1666 ( a ) ( 2 ) of this title. However, the creditor may report the amount as in dispute if they notify the obligor of each party 's name and address to whom the creditor is reporting information about the delinquency. In light of the protections provided by the Fair Credit Reporting Act, I have several concerns regarding the handling of my personal information by consumer reporting agencies and financial institutions. Specifically, I never authorized XXXX, Experian, or any other financial institution to share my personal information with credit reporting agencies, which violates the provisions outlined in 15 USC 1681 section 604a section 2. Moreover, I was not informed of my right to opt-out of disclosing my nonpublic personal information, as required by 15 USC 6802 ( b ) ( c ). Furthermore, I am troubled by the negative information that has been reported about me without my consent, as stated in 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including unfavorable material that predates the report by more than seven years. Additionally, it seems that XXXX and Experian are not implementing appropriate measures to safeguard consumer privacy and limit the dissemination of consumer reports, as required by 15 U.S. Code 1681e. Given these concerns and violations, I am declining your reporting services and, in accordance with 12 CFR 1016.7, I am exercising my right to opt-out at this moment. As a consumer, I believe it is essential to protect my rights under the Fair Credit Reporting Act and ensure the fair and accurate reporting of my credit 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 explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NH
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from 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 2023-11-22
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Dear Sir or Madam, I am writing to file a formal complaint against Freedom Mortgage concerning my FHA loan account XXXX. I have experienced significant and ongoing issues with this lender regarding improper insurance charges and misapplication of mortgage payments. 

Upon the transfer of my FHA loan to Freedom Mortgage, the company added property insurance charges to my mortgage payments despite my existing coverage. After providing proof of insurance, I was advised by a Freedom Mortgage representative, XXXX ( Reference # XXXX ), to remit payment exclusive of the added insurance fees. Despite compliance and confirmation via certified mail ( Article XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the company continues to send notices claiming my payments are short, and my account statement as of XX/XX/2023, incorrectly shows an amount due of {$13000.00}. 

I have attempted to resolve this issue directly with Freedom Mortgage to no avail. The responses and actions taken by the company have been inadequate and unsatisfactory, leading to undue stress and financial strain. 

I am requesting the CFPB 's assistance in ensuring that Freedom Mortgage : Reimburses any overpayments I have made due to the erroneous insurance charges. 
Applies my payments correctly as per the instructions given by their representative. 
Adjusts my account to reflect the accurate balance after these corrections. 
Provides a clear and detailed account statement post-correction.

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 2022-07-03
Company: Experian Information Solutions 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:
-Exeter XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -Santander Consumer XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Auto Sales, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX -OneMain, XX/XX/XXXX -Capital XXXX, XX/XX/XXXX -Vervent/TBOM, XX/XX/XXXX -Discover Financial Servi, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XX/XX/2023, I submitted an online completed application to XXXX XXXX XXXX. On XX/XX/2023, I had visited the property in person ; and XXXX gave me a mini tour of the apartment unit. 
Upon submitting the application, I had to pay {$300.00}. ( See images ) {$50.00} Application Fee ( non refundable ) {$250.00} Administration Fee ( Refundable if not approved ). And at the very end, a surprising {$5.00} was added. By the week of XX/XX/2023, I was informed I was not approved. So, I requested a receipt of my {$250.00} refund. By XX/XX/2023, I received a call from XXXX ( I might be spelling her name wrong ). She called to confirm mailing address and disclosed the check number was # XXXX for {$250.00}. 
XXXX ( the owners of Luminous ) are located in XXXX. I'm in XXXX. It's been over two full weeks. No check has been placed in my XXXX XXXX. XXXX at the Post Office alleged on Friday, XX/XX/2023, they place my mail in my box as it arrives. 
In conclusion, I'm starting to think XXXX never mailed anything or the XXXX Employees are holding my mail or they placed my mail in the wrong box. Either way I'm entitled to my refund before the 30th business day. Therefore, at this point, it's best {$250.00} gets credited back straight into my personal checking account ; and we can cut the chase today. 
Please have XXXX, XXXX XXXX XXXX, credit my account. I called them twice asking for the tracking number, and nobody has called me back. 

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 monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
The reporting agencies continue to report my student financial information incorrectly. The account has been discharged under agreement of XXXX, XXXX. The 1099-C was accepted and processed by the IRS. Since this was a certificate of indebtedness and is considered income the reporting agencies should not be reporting this account. I have tried to get the record corrected with no success. Under the Family Educational and Privacy Act my educational records should not be shared with third parties. The reporting agencies are not ANY affiliation to any educational institution therefore they should not have my educational financial records. Any termination of a consumer credit that has a balance due over one dollar is credit to the consumer, therefore reporting this account with a balance is inaccurate reporting which is a violation of the Fair Credit Reporting Act. Several of the accounts are also listed multiple times on the credit report which means this report is not accurate which federal laws states the reporting agencies MUST maintain 100 % accuracy.

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