BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX 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 2020-04-20
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
When : XX/XX/2020 How : emailed, called Elan numerous times. Also contacted Fidelity numerous times. 
Who : Elan Financial Services What : Consumer Privacy issue, Elan Financial Services incorrectly determines recurring charge merchants without consumer permission, does not allow consumers themselves to update this list, and Elan itself can not update/correct this list, either. 

Please see my email to Elan below. 
-- Hi, I have a Fidelity credit card via Elan. 

Recently I find out that your company software or system automatically identify certain merchants as recurring, i.e. they can incur recurring charges. This is completely false, and without my permission. Most of these merchants do not have intention to impose recurring charges, either. This is purely your software or system making the wrong choice without our consents. This is illegal as it does not have my permission. 

The issue is getting worse in which, I just found out, no one can update this recurring charge/merchant list, as I found out while on the phone with Elan customer service now. I am informed right now that they can not update this list, either. 

I urgently request you either allow me to update this list, or remove this feature completely from your system. 

Should this not be done within 30 days, I will have to file formal consumer complaint to appropriate bureau and agency as this feature violates my privacy, allows merchants to impose recurring charges to my credit card without my permission. 

Regards,

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 2022-03-25
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:
in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION

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 2022-03-25
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is an auto repair company that did work on my vehicle. It was completely damaged after a few days of taking it there. I took it back. The claimed it was something they could fix. 

They called and said they could not fix it and I had to have it towed out of there. They demanded XXXX. 

There is no pre-authorization or anything in writing authorizing them to do anything for XXXX. The car wouldn't even operate. 

The charge was on discover card. They found in favor of the auto place. Despite a police report for criminal mischief for the damage the auto place caused and no evidence showing authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Idaho Housing And Finance Association
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX? Rent reported late Mortgage is for {$1000.00} at this time the mortgage was reported late we were selling our home first time home buyers and first time sellers the month of selling we were instructed not to pay or do anything that could effect closing the mortgage was not do at the time anyway and that the mortgage would be paid off the buyer backed out at the last minute and new buyer swooped in to purchase the home i called fha and explained the situation rent day was moving closer and explained to them the situation they said not to worry the mortgage will be paid off and not to worry no late payments will be reported do to the home selling and not interfering with the title company. Then the same year we had sold the home we had seen 2 mortgage late payments for 30 days late That is not supposed to be on there almost 4 years later nobody is helping me get this taken off i tried credit repair to challenge these 2 late payments but they were put back on by XXXX XXXX XXXX XXXX she said she could not help me and not only she put them back on my credit report without letting me know she put them on for 60 days late each account i also never knew this was on my credit report until after i had sold my home almost a year later this is not fair and the dates are wrong aswell when reporting months selling the home

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fortiva XXXX Opened XX/XX/2022 Credit limit {$500.00} Charged {$510.00} Contacted Fortiva

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
This is NOT a duplicate issue, XXXX XXXX is not taking the collection off my credit report. It clearly shows they have it under a collection account. IT WAS AN AUTO LOAN AND NEVER A COLLECTION. They will NOT change this and its affecting my credit trying to purchase a home. The account is now XXXX XXXX XXXX and I just want them to acknowledge it and delete the account, they can do this, they can make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. Additionally, the accounts was already removed from the other bureaus, so please do your part. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 I called Experian to dispute an address that I advised them that was incorrect and asked them to remove it. The address of XXXX XXXX XXXX XXXX XXXX Ga XXXX. I spoke with XXXX the male rep who refused to remove the address because he stated it was linked to an a closed account. He also stated that this one closed account is the only account reporting the incorrect address. I asked him to dispute the address per my FCRA rights, as Id advised him it is incorrect and he refused again. He told me the closed account that the address is linked to had not been updated in five years. I again advised him that this is an incorrect address and to delete it. He again refused. I then asked to speak with his supervisor for further assistance, in which I was placed on hold for an additional 20 minutes before I ended the call due to a long wait. I was on the call a total of 1 hour trying to dispute this inaccurate address.

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 2022-03-25
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO AMERICAN EXPRESS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4000.00} does not belong to me. This account was fraudulently opened through this company AMERICAN EXPRESS in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: KS
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:
This is my second report about XXXX bank. They sent us a letter saying we could defer our XXXX payment. 
Since XXXX I paid {$400.00} in XXXX ( late but less than 30 days ) They reported us as being more than 30 days late I paid {$400.00} in XXXX I paid {$400.00} in XXXX They have reported us as paying more than 30 days late in XXXX and XXXX to again ruin my credit. This seems to be an every 6 month or so thing they do trashing my credit and causing me to get denied for loans. 
They also have " Accidentally '' changed our payments from what our contract is {$340.00} a month to {$430.00} so they can screw us out of more interest ( Again ) We are on the 13th year of our 18 year mortgage and so far this year, they have charged us {$470.00} in interest alone when hardly anything should be going to interest, especially since I'm paid a couple of years ahead.

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 2016-11-09
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been denied the opportunity to even apply for modification programs which will allow us to retain our home. Our first modification attempt was 8 years ago when we were told that we do not qualify as our loan was current. Then we had the loan go not current at the end of a 5 year high interst interest only ballon mortgage term in the height of the mortgae crisis to qualify for moertgage modification to be told that modification was not an option only foreclosure ( at this time no one was underwriting mortgages ). Since our first attempt, BB & T has rejected all modification applications as well as modification is not applicable to us and only offered us a short sale option as they claim that the loan is investor owned. 
But the FDIC research department tell us that BB & T owned the loan not investors. BB & T claims that they NEVER owned the loan and that it was ALWAYS owned by a trust that is owned by investors. Our records show that XXXX and then BB & T owned the loan. See attached documents : - 1 ) Letter from the FDIC ressearch department about ownersip of the loan 2 ) Court filings from BB & T saying that they bought the note through the FDIC receiversip from XXXX XXXX, not that BB & T is assuming the role of servicer of the note that is owned by someone else 3 ) Letter from BB & T saying that they never ever owned the note but a group of investors via a trust. 
Our records and that of the FDIC says that BB & T owns the loan which does not disqualify us to be able to apply for all BB & T inhouse and all federal modification programs. So we want to able to apply for all BB & T inhouse and all federal modification programs and have our application fairly considerred by BB & T. We have always lived in the house and have the income to qualify for these programs.

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 2022-03-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.

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 2016-08-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.

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 2020-03-16
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a private loan for XXXX school in XX/XX/XXXX with the loan servicer Navient Private Loan Trust. Recently in the last few years, I became XXXX and I currently receive Social Security XXXX. I applied for XXXX XXXX XXXX XXXX discharge with Navient. I was approved with a physicians statement. Three of my FFEL Stafford Subsidized student loans in which I have a co-signer on were transferred to the co-signers responsibility. There were two other loans in my name only. One loan that was in my name in the amount {$7400.00} of was completely discharged. The other loan in my name in the amount of {$3600.00} wasnt completely discharged. The loan they didnt get completely discharge was waived of all the interest in the amount of {$2300.00} on the loan. However, Navient left a principal balance in the amount of {$1200.00} in which they said Im required to pay. I explained that Im on a fixed income and it is not earned income. Social Security is unearned income. Therefore, my income is {$0.00}. XXXX XXXX, in which I have federal loans with understands when I explained my income situation to them. They applied my {$0.00} income information to my account so that they had it on record. Navient will not apply or even consider the fact that my income is technically {$0.00}. When I asked why I am required to pay my loan that had only the principal balance left without any interest to be accumulated and also interest waived, they said, it just is that way without providing concrete evidence. They said my other loan in my name that was discharged completely was a Smart Option loan and that loan does state if a borrower becomes XXXX and is granted a XXXX XXXX XXXX XXXX discharge, the terms and conditions say it would be granted discharge. I also asked Navient where it states in the terms and conditions of the loan I am required to pay only the principal that a borrower is responsible for paying the loan if granted a XXXX XXXX XXXX XXXX discharge. The customer service representative could not come up with a concrete answer nor provide any evidence to explain. If concrete evidence is not provided or available, then why am I responsible to pay the rest of the loan? Also, on my federal loans with Navient I was not allowed as per customer service to remove my co-signer from my three loans that were instead transferred to the co-signer. If I was to request to be responsible solely without my co-signer, I would be in complete standard repayment for those three loans. I learned you can apply for this removal, but where does it say it can not be granted to the sole borrower and then granted XXXX  discharge due to their application approval? I am very confused and would like this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation