BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union has illegally frozen access to my online account and frozen access to my funds in my savings account as an attempt to collect on a debt. As I understand it, this is something NFCU was previously accused of doing and they were required to pay a settlement to the affected consumers. NFCU is still using these illegal practices to threaten me into paying an alleged debt. They will not give me access to the funds held in my NFCU savings account without paying off the alleged debt or making an arrangement to pay. I was told that even if I made an arrangement to pay, I still would not have access to my account. None of my online banking works, I've been locked out of it for over a year. Their claim was that I gave someone access to my account so they locked me out when I was the one that called them about my account being compromised. I just want to be able to withdraw my funds from the bank. It is illegal for Navy Federal to withhold my funds in my savings account as an attempt to collect a debt. I demand that the funds be released to me for withdrawal immediately. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NC
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 order to REMIND the Equifax Credit Bureau that there has been no involvement from third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items.XXXX XXXX XXXX XXXX XXXX XXXX , NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX , NCXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: CENTRAL BANCOMPANY, INC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Aprox. XX/XX/2023- locked out of online banking without notice, checking balance under {$20.00} Approx. XX/XX/2023 - called bank and was unable to get online banking account unlocked due to being unable to verify my identity and was unable to close the account, was instructed to mail a letter with my signature to verify my identity. 
XX/XX/2023 - Emailed Bank to verify address to mail letter XX/XX/2023- Mailed signed letter asking to close 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 2022-09-29
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 have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that both accounts belong to me and were validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that these accounts have not been verified ( and therefore were removed ) by the other two bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet have not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.

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 2023-02-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed my mortgage with Nationstar Mortgage ( Mr. Cooper ) on or about XX/XX/XXXX. I was to receive a disbursement of my escrow account in the amount of {$3700.00}. Per XXXX ( a ), they are legally required to send me this money within a timely manner. 

After receiving the check in XXXX, there was an issue with the physical check and I needed it to be re-issued. After calling on XX/XX/XXXX to ask for the re-issue, I was assured that re-issuing the check was not an issue, and that they would re-issue it. I was to expect the new check in 7-10 business days. 

38 days later, On XX/XX/XXXX, I still had not received the re-issued check. This crosses the 30 day window allowed through XXXX ( a ). I called Mr. Cooper back asking for the status, and they informed me that they would re-send the check, as it wasn't sent the first time. I would surely receive it in 7-10 business days. 

19 days later, On XX/XX/XXXX, I still had not received my check. I called to ask for a status, and they said they had no status but they could send it again, or request it to be wired directly to my bank. I chose the wire option as I didn't trust the mailing process anymore. They told me to give the wire 24-48 hours to clear. 

5 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they said they had no record of the wire transfer being made. They said they could resend it, and I obliged. They told me to now wait 3-5 days. 

7 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they told me the exact same thing- they had no record of a wire transfer being attempted. But that they could try again, and see what happens. At this point I was given a case number to possibly follow up with my next request, but I have no way of looking up cases through their website. 

As of today, I still have not received the wire transfer. 

It has been three months that I've been lenient with Nationstar dba Mr. Cooper, attempting to resolve this through them. Their incompetence and inability to return my funds to me in a timely manner has given me no other choice but to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: MD
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 out into my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXXXXXX XXXX XX/XX/2023

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 2023-05-20
Company: V and H Portfolio
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:
Hi yes I have been getting on XXXX XXXX when I checked my credit score I happen to see XXXX  XXXX XXXX XXXX for the amount of XXXX I disputed it with XXXX in XXXX XXXX and XXXX times in XXXX of this year XXXX every time I dispute it they leave it on my credit report it was open in XXXX of XXXX  is open fraudulent I have not been to XXXX XXXX XXXX XXXX in XXXX of XXXX  it also popped up on my XXXX report I disputed it they removed it some reason XXXX will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-05
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX. XXXX Equifax were all sent letters on XX/XX/2023 from me specifically asking that all old addresses improper collection information and information. I XXXX XXXX XXXX XXXX XXXX XXXX Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently I have noticed a lot of accounts on my credit report that was opened fraudulently. 
I have disputed these accounts by phone with Experian and within 72 they come back verified. I don't understand how. As they are not Mine. I submitted disputes by mail and instead of honoring my request, I received an email stating that they do not believe it is really me disputing my own information and they don't believe it was someone I authorized either. As if I am not educated enough to do my own disputes. I was told I had to call them directly to file my dispute. I called them on XX/XX/2023, to confirm it was me that sent the disputes in question. I was on the phone with them for almost an hour. After confirming, they transferred me again to the fraud department and again I disputed the accounts. They removed all the inquiries attached to the fraudulent accounts but left the accounts on my report. They received another round of disputes today and sent the same exact email as if I didn't just talk to them confirming it was me. 24 hours ago. They also stated that because they don't believe I am filing my own disputes they are not going to take any action to remove or investigate. ( see email below ) This is getting out of control going back and forth with them. It is only Experian that is doing this to me. I have filed an Identity Theft report with the Federal Trade Commision as well. ( Report # XXXX ) They claim they never received that report, so I provided them with the report numberand i am resending the report. I don't know what else to do.

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 2023-05-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made two payments online drafted from my checking account for XXXX one XX/XX/23 and one XX/XX/23 each, a total of XXXX completely paying off my card. My card following the first payment was declined. The payment was not reflected so I made another payment needing to use the card out of town. I show one payment drafted XX/XX/23 and another payment drafted from my account XX/XX/23. Over the next week my card kept getting declined even though the limit was XXXX and it showed a balance of XXXX. I called customer service XX/XX/23 to ask why my card keeps getting declined when they had XXXX from my account. I was told the payment was " on hold '' conveniently payment is due XX/XX/23 and I will be charged 28.15 % in interest because the company refuses to credit my account after they have had the funds for a week. When I called I was told there was nothing they could do they were holding my account so I can not use my credit card

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: PA
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, 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 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently looked at my three credit reports ( XXXX, XXXX and XXXX XXXX ). I found seven inquiries from Capital One, six done on the same day. I did not apply for credit from them even once nor do I have an account with them, although they did many of the inquiries as " Account Reviews ''. the excessive inquiries lowered my credit scores as well. 

I sent a letter to them and they responded with a phone call, during which I was asked to confirm my birthday. I refused since they obviously had the information to be able to access my credit multiple times and the representative ended the call. 

While preparing this complaint, I found MORE inquiries done by Capital One on my credit that I did not authorize or do ( all told, Capital One did 12 inquiries on my credit ; XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). Today I received a letter from XXXX XXXX ( attached to the complaint ) admitting to doing the initial XXXX inquiries and being unable to confirm it was me who did them, but failing to pay me the {$1000.00} per inquiry amount required for them doing so without permissible purpose. They have also said they have requested for the inquiries to be deleted, but they might not be and turned into " soft '' inquiries. 

As of today, XX/XX/XXXX, they owe me {$12000.00} for the twelve violations of the FCRA, plus damages for lowering my credit score and willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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 Act : 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 -- -- Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
My bank is Bank Of America and my card was charged for {$670.00} cents between XX/XX/XXXX and XX/XX/XXXX. I have been a client of theirs since XXXX and have not missed a single credit card bill statement. I initially filed that I lost the card, however I found it a few days after having thought I lost it. I did not have the card with me on the dates that my card was used. I filed a claim for all of these transactions on XX/XX/XXXX. Bank Of America Did not believe me and denied the claim as of XX/XX/XXXX. I just do not think it is fair to pay back all the money I did not spend. Bank of America said the card was used physically, however I did not even have the card to use it on those dates. The transactions were made in XXXX, Maryland and I dont even know where that is. I also have never gone bought from those stores that the scammer charged on my card before. I hope this can be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief