BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Credit Bureau Data, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I just got a call about a house address I have not lived at in 13 years. They asked if I was XXXX XXXX, I said yes, they asked about a past address from XXXX. I asked what this was about and what company they were calling from they refused to tell me until I verified this address. I was very uncomfortable because I did not know who was calling, why they were calling, what they were calling about and I do not give out personal information for no apparent reason over the phone. I told them to remove my name from their list back in XXXX, and XXXX and again today. I have no idea what this is about, I dont want to give an unknown caller my information. I looked the number up online and it came back as credit bureau data XXXX ( XXXX ) XXXX XXXX  XXXX, WI. Asking people to provide information with out identifying your company is not right. Whatever debt I had has to be around 15 years old and should be well over 10 years old.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 Credit Card and Loan became delinquent when I lost my unemployment benefits. Navy Federal Credit Union took all of my money from my Checking account to pay to the Credit Card and Loan without my authorization leaving me with a XXXX balance. I had this problem around XXXX with the account that is now a Loan, which was reviously a closed Overdraft Protection account. Navy Federala Credit Union told me at that time if I converted the account from a Overdraft Protection account to a Loan, I would not have the problem of them coming in and depleating the money in my Checking account to pay the Loan or Credit Card.I did not authorize the payment, did not have automatic re-occuring payments, and asked Navy Federal to put the money ( {$250.00} ) back into my Checking account which they refused to do. They told me they had a " Security Interest '' in my Checking and Savings Accounts that allowed them to go in and deplete my funds when my Credit Card or Loan becames delinquent. I asked to close my Checking and Savings, and they refused to close the Savings so that if any further money was deposited into my accounts they could take it to satasfy my delinquent Loan and Credit Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I want to file a complaint about XXXX XXXX XXXX XXXX and the XXXX regarding misleading information about the school/program/financial expectations and placement. I feel I was mislead about the whole program and now as a result I am financially in hardship with the expectation to repay a loan that has grown to almost $ 190K due to defaults/forbearance. I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I was eagerly pushed into starting right away as I was assured that if I did n't the odds of me getting in were slim to none, then I was told the financial costs were far less than what they actually turned out to be ( which is unaffordable ), then on top of it all the school turned out to be unaccredited ( which they knew was going to be the case at the time of my enrollment, yet they continued to lead me to believe it was credited. NOW I am almost $ 200K in debt for a loan and a worthless degree. I have had to resort to taking a job outside of my training and have been left in financial hardship. Constantly struggling, robbing peter to pay paul. This burden has been so hard on me and my family. I have been on a rate reduction program with Navient for almost 7-8 years and can barely make those payments. My family struggles from month to month! I need help to get this loan forgiven. I pray you investigate the XXXX along with XXXX XXXX XXXX XXXX ( which is now closed as of XX/XX/XXXX ). I need someone to help me along with many of my fellow ex students from XXXX. There are hundreds and hundreds of us in the same boat! I do hope there is something that can be done, and very much look forward to hearing back from someone regarding this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX veteran. In Arkansas you do not have to pay real estate/property taxes. I have requested for them to do an escrow analysis on my account so that i will not have to continue to pay taxes. I have sent them emails from the DAV director at XXXX county AR stating that i am exempt from taxes. They did an escrow analysis in 2021 which was prorated ( due to me buying the house in the middle of the " tax year '' ) and on that bill it clearly states i am a DAV ( XXXX veteran ). XXXX County has informed me that i am issued a credit which is why there is no bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report has 4 hard inquiries from XXXX. I do not recognize them at all. I am not sure why they are there and I would like them removed as it is negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.

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 2020-10-07
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:
TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-10
Company: EQUIFAX, INC.
State: MN
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a previous complaint about this company for the reason that they would not give me a payout amount. After lodging the complaint I called back and notified them that I had lodged a complaint with you against them. At that time they became very helpful and gave me a payout. Unfortunately they added an extra {$170.00} that they describe as interest. They are accruing the interest to XXXX. I made a wire transfer on XXXX, and payed the loan in full. The company specialize loan servicing just got the loan on XXXX. They have only had the loan 3 weeks. The interest per month is about {$45.00}. How did they get to the dollar amount of {$170.00}. I should not have damages or penalties due to them taking over my mortgage. Please help. Thankyou 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 2022-06-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-10-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a new employer and set up direct deposit into my account on XXXX XXXX I received a paper check instead of direct deposit is it was the first one going into the account the bank proceeded to put an extended hold on my payroll and would not allow access or verify that the check had cleared which in turn overdrew my water bill charging me another {$70.00} in fees and I also was not able to open another bank account elsewhere because Ally Bank have done multiple inquiries on my XXXX XXXX report which are repetitive senseless and on authorized by me which is preventing me from moving my relationship from them I have been a long-time customer they stated this was due to previous overdraft which my account was not negative when this deposit went in there was zero risk as I do not have overdraft on honor, and it does not take over six days to clear a check electronically in todays day and age I have 16 years XXXX experience and XXXX in a corporate setting Im not sure why they failed to see the pre-note coming into the account from my new employer to verify indeed this was a payroll check their customer service has been horrible I have been penalized and charged for senseless reasons and I want reimbursed for these excessive fees that I was charged in this regard I want all their inquiries removed from my XXXX XXXX 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 2017-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 'm complaining about Credit bureau Experian. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and every time someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Experian about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, and XXXX XXXX XXXX/XXXX/XXXX XXXX. Second dispute with Experian was one public records ( bankruptcies ) on my credit report. I spoke with a  customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the one public record again with Experian and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer  service rep and he stated that Experian never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Experian, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Experian need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.

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 2022-06-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I was charged {$1200.00} by XXXX that I did not do or authorize. I haven't purchased anything. My XXXX account has been closed for a while now. I contacted Bank Of America and they denied my dispute for some reason.

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 2022-06-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion stole {$20.00} from me. 

These people ARE the credit reporting agencies and they lie worse than any XXXX XXXX " credit '' company. 

Nowhere did they say they were going to charge me {$20.00}. 

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 2017-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is charging {$10.00} to freeze and unfreeze my credit report. They changed my temporary unfreeze into a permanent unfreeze so now it 's {$20.00}. This is an insane amount for a simple service that improves consumer security. Let me control access to my 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 2022-06-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-06-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation