BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NJ
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-09-17
Company: Opportunity Financial, LLC
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THE DATES ON THESE 2 ACCOUNTS REMAIN INCORRECT!!! I HAVE CIRCLED THEM AND WROTE IN THE CORRECT INFORMATION! WHAT MORE NEEDS TO HAPPEN???? THE CREDIT STAFF AT OPP LOANS IS COMPLETELY INCOMPETENT & ILL TRAINED IN HOW TO REPORT ACCURATE CREDIT INFORMATION! YOU ARE NO BETTER! 

THE DATES ARE WRONG!!! LAST TIME I INTEND TO DISPUTE THIS! OPP LOANS REFUSES TO ACKNOWLEDGE THIS IS ABOUT THE DATES NOT - THE - LOAN - AMOUNTS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax has Federally violated me as a consumer by reporting information on my consumer report without consent from me XXXX XXXX the consumer, Federal law states a consumer report does not report transactions or experiences between the Consumer or Person making the report Per 15 USC 1681a., Federal law also states any nonpublic information pertaining to the consumer must be protected with privacy unless consumer gives consent, I never gave Equifax consent to report defamatory and false statements on my consumer report. Furthermore, XXXX has never contacted me to investigate any information on my consumer report which means they are in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I signed up for a credit card with First National Bank of Omaha. They mailed me a credit card in the mail. The credit card was stolen during shipping or at arrival ( First National Bank of Omaha is not sure or able to confirm it ). Afterwards, the credit card was activated and {$9900.00} was spent at a XXXX Body Sculpting at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. This location has a number of reviews of stolen credit cards being used here. 

I never knew that the card was stolen as I was still waiting for it to arrive in the mail. First National Bank of Omaha says that I am liable for the total amount spent. They will not release any additional information to myself and are requiring me to get a subpoena in order to try and learn more. 

A police report has been filed. The credits on the attached statement are PROVISIONAL credits provided by the bank to prevent interest on the charges in question. Money has not been recovered and this credits are not permanent.

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 2023-04-20
Company: SN SERVICING CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fell behind in my mortgage and was facing foreclosure when I got help in paying all back payments, fines and fees. the mortgage was purchased by SN servicing corporation from XXXX. I thought I was starting with a clean slate but when I got first statement there was an extra $ 1000+ attached in what they described as lawyer and foreclosure fees that had been paid. they said that they weren't included in the payoff even though they had plenty of time to do so, Then the next month they hit me with a {$350.00} legal assessment fee. For what? I have no idea. They also raised my mortgage over {$200.00} citing low escrow. I paid XXXX mortgage by sending money order because I was locked out of there portal to pay. talked to an XXXX XXXX who reassured me that he would fix that, at that time I made the XXXX payment over the phone using my XXXX account which is backed by XXXX.i thought that was it. a few weeks later I noticed that the money was still in account. called them up and talked to a man that said you can not use XXXX to pay mortgage. I told him that I told XXXX it was a XXXX account and he had not informed me, so I then got on their portal and paid from my normal bank, once again a few weeks later I notice money is in there. I emailed XXXX and he informed me that my account was non existent. I double checked my account and routing numbers and they are correct. I also found out you can pay with XXXX they lied. I contacted his supervisor and I am still waiting to hear from him. during this time they have assessed me late fee charges, returned check fees and I assume my credit score will take a hit for late payments. the only way to pay mortgage through them is with bank account on their web site. they don't accept debit cards. It is like they are setting you up to fail.I have had nothing but trouble since the moment they took over my loan. they are not a mortgage company and should stop trying to be XXXX. I know this is just going to continue over and over again. This has caused unneeded stress in my life. I finally get my mortgage straightened out and then I have to deal with their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MI
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: Didn't receive services that were advertised

Complaint:
I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, XXXX, EQUFAX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Self Financial 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. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: V and H Portfolio
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
False statements that I owe them funds. 
I have never done business with this company. 
Continues to report this as open account. 
Continues to try to collect funds after cease and decease letter. 
Continues to defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a senior XXXX with the XXXX XXXX XXXX and have been with the Department for 11 years. I filed my employer certification with Mohela for XXXX in XX/XX/XXXX under the XXXX. At the time, I had XXXX of XXXX eligible payments. On XX/XX/XXXX and XXXX, XXXX, I received three letters from Mohela. The first stated that I had XXXX eligible payments and XXXX qualified payments for the XXXX. The second stated that my employer had provided an end date to my employment and my certification was not accepted. The third stated that Mohela had determined that my employer is not a not-for-profit and my certification was not accepted. 

The reasons for Mohela 's denial of my certification were factually erroneous. My employer did not check that I was no longer employed with them and the XXXX, a federal department, is in fact a non-for-profit. Since I could not cure Mohela 's errors by resubmitting documents, I called Mohela on XX/XX/XXXX. After a XXXX minute wait where the call was disconnected, I spend more than XXXX hours waiting to speak with a person. The person I spoke with reviewed my application and was able to verify that my certification was correct, the letters were erroneous, and the documents would be refiled internally. She further confirmed that Mohela has not accepted my employer certification since XXXX, XXXX. Until then, Mohela accepted the DOL as a not for profit with the same EIN, address, and name. 

I have contacted Mohela twice since XX/XX/XXXX because my account online still states, " Your PSLF eligible and qualified periods are expected to be updated through the XXXX XXXX XXXX process beginning mid to late XXXX based on your certified employment/employer. '' This message has not changed since XX/XX/XXXX. Each time I have called, there is no record that my certification is being reprocessed and I can not get any information from Mohela regarding the status of my loans. While Mohela has been " unindated '' with applications, they are failing to record and provide basic account information, properly review submitted information, and either have no process to correct their own errors or will not provide information on such process.

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 2022-12-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX Department XXXX XXXX po box XXXX, XXXX, VA XXXX XXXX -DID NOT INITIATE THE DISPUTED XXXXXXXX XXXX CHARGE OF {$500.00} after Consumer finished Document Up Load TO N.F.C.U. or START DISPUTE INVESTIGATION SINCE XX/XX/2022. 

This Consumer Phone N.F.C.U CONCERNING the UNAUTHORIZED XXXX XXXX XXXX CHARGE OF {$500.00} - PENDING IN CONSUMER 'S ACCOUNT WITH N.F.C.U..

This Consumer phoned N.F.C.U. Unauthorized Charges Department asked the Representative Her opinion. Her Response was it looked " QUESTIONABLE ''. CONSUMER REQUESTED THIS PENDING CHARGE BE DECLINED. REPRESENTATIVE STATED COULD NOT DECLINE WAIT TILL POST. 

SINCE XX/XX/XXXX, XXXX CONSUMER HAD PHONED MANY TIMES FOR N.F.C.U. UPDATES- " ALL PHONE CALL UPDATES STATED- " WAITING FOR ASSIGNMENT. '' BEEN APPROXIMENTLY 21 DAYS, N.F.C.U.CONTINUTED THIS INACTIVE PROCESSI HAS BEEN IDLE. 

CONSUMER BELIEVES N.F.C.U. SHOULD OF DECLINED THE XXXX CHARGE OF {$500.00} AS " QUESTIONABLE " AND AT THIS CONSUMER 'S REQUEST. 
.CONSUMER ATTACHED NUMBERIOUS ATTACHMENTS CONCERNING N.F.C.U. and XXXX XXXX XXXX PENDING CHARGE. 

XXXX XXXX HAS A FRAUDULENT BUSINESS MAILING ADDRESS. 

THIS CONSUMER CALCULATED COSTS AND PUNITIVE DAMAGES- ( {$500.00} PLUS A CONSUMER UNNESSARY PERSONAL LOAN, TO COVER CREDIT UNION LEFT CHECKING ACCOUNT XXXX  CENTS. 

CONSUMER REQUESTED PUNITIVE DAMAGES OF {$50000.00} BUT SEEING THE RETURNED CERTIFIED MAIL ADDRESSED TO XXXX ADDRESS IS A PHONEY ADDRESS, UPED THE PUNITIVE DAMAGES TO {$100000.00} INSTEAD OF THE XXXX 

THIS FINANCIAL CRIME COULD HAVE BEEN AVOIDED BY N.F.C.U. 'S DECLINDING THE {$500.00} IN THE FIRST PLACE. 

C.F.P.B. 'S XXXX XXXX XXXX  COMPLAINT ID : XXXX. 
CONSUMER UP DATED XXXX XXXX XXXX PUNITIVE DAMAGES TO {$100000.00}. DUE TO THEIR CRIMINAL FINACIAL CRIME. 

PLEASE REFER TO ATTACHMENTS BELOW.. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed a statement credit for {$460.00} on XX/XX/XXXX. It states that its redeemed & points were deducted but never was credited to my credit card. Called over 10 times & it seems like they have no idea how to resolve the issue. Gm said they had a glitch & the same thing happened to everyone after a certain date. They never corrected it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
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:
The other bureaus are reporting different open dates. How is that possible if this account is being reported accurately? I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. Its been XXXX XXXX, per tracking and no investigation performed nor information requested given. The accounts referenced in the attached have been re-added and re-aged without my knowledge as well as accounts, such as XXXX XXXX, were disputed and I didnt request during dispute.

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 2023-05-24
Company: Stellantis Financial Services US Corp.
State: TX
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, There are several recent hard inquiries on my credit report that were not made by me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: MT
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:
In regards to Experian XXXX XXXX XXXX  Acct # XXXX .... 

I have contacted Experian Multiple times with no result. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX XXXX, Attached to this compliant, IF Experian were to actually LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date. 
. 
What would not match : is that it was not discharged through bankruptcy. 
On the XXXX XXXX XXXX  XXXX ( OWN ) Payment Report history, attached to this compliant, The document will show that the loan was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST 3 YEARS AFTER XXXX XXXX  SAID THIS LOAN WAS DISCHARGED. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXX XXXX  who took the money for payment while the loan was being PAID and excepting the payoff 3 years LATER???????????? XXXX XXXX XXXX  who has verified the data on the Experian report as accurate???????????

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 2023-04-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX have 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 2023-07-19
Company: CrossCountry Mortgage LLC
State: MI
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:
Ive spoke with the agent who left me a message regarding the updated info that was needed on my credit report, she stated only one credit reporting agency XXXX gave her the report back and that I needed togo unlock my report from the report XXXX and XXXX I immediately replied um I didnt know your guys was going to run my report- I thought you was collecting it just to ask later after everything else was approved - no where in your application stated that you need a score of XXXX to qualify in fact the marketing was quit misleading - the application has a very tiny 3 pt letter size or smaller that the agent pointed out that - I clearly did not see- I explained I was in a credit counseling program and would not have agreed to pulling my credit thats why they was only able to pull one - so they market that they dont do traditional loans they go bye documents to mislead that they arent going to SSN then in the middle of the entire form they ask for your SSN no where on that screen do they inform you that they are going to do a hard inquiry on your report - no one would give me corporate number I told them that I would complaint to the XXXX and to Consumer Finance If they didnt remove that info immediately non permissible usage 15 U.S. Code 1681b - Permissible purposes of consumer reports please have them remove it now.

Company response to consumer: Closed with explanation