BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, during the mortgage meltdown, our equity lender Nave Federal Credit Union ( NFCU ) foreclosed on our home. During the foreclosure process, they refused to negotiate with either us or our attorney, despite raising our equity loan payments from {$500.00} per month to over {$3000.00} per month. 
We are federal employees with security clearances and just found out that even though the equity loan was part of the foreclosure, NFCU is reporting this as a " chargeoff '' on our credit report which is now effecting my financial credibility during my reinvestigation. I 've reached out to NFCU for resolution and they 're referring me only to their collections division. The foreclosure was in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I owed a balance to USAA. I filed for bankruptcy and included the balances, even though I paid them off after the bankruptcy was discharged. They put on the XXXX XXXX list and i have not been able to open a checking account because of them black listing me. I have paid everything owed to them even though I was not responsible for paying them back since they were discharged, They said that they will keep me on there since I filed for chapter XXXX for 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony bank lowered my credit limit on my " Lowes '' credit card from XXXX to XXXX. In response I closed the following accounts which are serviced by synchrony bank : XXXX XXXX XX/XX/2018 ; JCPenny-closed XX/XX/2018 ; Lowes-closed XX/XX/2018. In response to my action Synchrony bank retaliated by lowering my Walmart Mastercard credit limit from XXXX to XXXX on XX/XX/2018. They " synchrony bank '' delayed crediting my timely mailed in payment for XX/XX/2018 causing a late charge to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In regards to TRANSUNION 's response to my last complaint about removing my inquiries, they stated that they'd send a letter stating why inquiries last on my consumer report for 2 years, which is completely wrong if it was a result of identity theft. According to Federal Law, the Fair Credit Reporting Act clearly states : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. Appropriate proof of my identity is listed in the attachment of this complaint, which is a photo of my social security card. 


Remove the following inquiries immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION. 


Failure to do so will be willfully noncomplying to the Fair Credit Reporting Act.

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 2022-05-04
Company: EQUIFAX, INC.
State: IL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Collection Bureau of the Hudson Valley, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

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 2020-04-30
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: Information belongs to someone else

Complaint:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I opened a XXXX XXXX XXXX XXXX visa credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

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 2017-07-25
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a tax bill my supplemental property taxes which in California is my responsibility although I was never told this in my  seven years of home ow nership. I have h ad two o ther lenders and in the past have gotten a letter saying I have a tax bill that is not covered or that there is n't enough money in the escrow account etc.. I am given the option to pay it or I can do nothing and they will pay it and my monthly payment will go up. I have not received anything from this company and I did not even receive my tax bill in the mail. I got a bill in the ma il  X/XX/2017  saying my tax bill was delinquent and I had to pay. I also have a {$420.00} fee now. I called the company and  all they said was it is not their responsibility. They said I can send the bill in and they will take it out of my escrow account I told them they should pay the fee but they just repeated it not their responsibility.This company also paid my homeowners insurance late. I had to call my insurance company and talk to them and pay a late fee, so I am really unhappy with their customer service and I do not appreciate them paying my insurance late and my not letting me know about my tax bill and letting me they are not responsible.

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 2017-07-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.

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 2020-10-06
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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: Account status incorrect

Complaint:
I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT : # XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : # 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 a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: IL
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:
During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I've been a XXXX Rewards Visa ( Barclays ) card holder since XXXX of XXXX. I have always paid on time, never carried a balance, and my credit score has always been strong ( XXXX ). It was my daily go-to credit card due to the good rewards program. 

On XX/XX/XXXX my account was closed by Barclays without prior notice. A week letter I received a form letter saying the cancellation was due only to " a history of account usage ''. This is terminology from the Terms and Conditions as a valid reason for account closure and points forfeiture. However, there was nothing about my account usage that was suspicious or unusual that any customer service agent could indicate. The phrase is so vague it has no meaning -- every credit card has a history of usage.

Barclays has every right to end our business relationship, but my primary concern are the significant balance of reward points I had at the time of account closure -- XXXX points -- which are worth between {$2700.00} and {$4100.00}, depending on how they would have been redeemed. Of course, I always chose the best redemption method, so to me they are worth the larger amount. 

Barclays has always advertised this card primarily based on the rewards program, and so I believe it to be false advertising to award points at purchase time but then cancel the card without notice before these points could be used or transferred out. 

I made several calls to customer service on XX/XX/XXXX and spoke with a variety of different departments, none of which could help me other than confirm my points were inaccessible.

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 2022-03-20
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Form 1099-C requirements XXXXt account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I opened a Chase Online Total Checking account using the sign-up bonus link, which states you will receive a {$200.00} reward after making a direct deposit of atleast {$500.00} within 60 days to qualify for the bonus. So this is exactly what I did, I waited 10 business days, and they never gave me my reward. Then I called the bank around 60 days after opening the account, they told me that I was not eligible because there wasn't a coupon code, but on the link for the reward it says the coupon code is " automatically '' applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: ND
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 XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation