BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: CORELOGIC 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 contacted Corelogic and requested a copy of a so-call consumer report for his company because they reported to a apartment complex that i applied too, with out my knowledge .. so i requested a Corelogic consumer report.. Never heard of this company. ( It's BAD that these type or companies can buy and sell and report fraudulent, inaccurate and out dated information about people. 

THEY REFUSE TO GIVE ME A COPY OF THIS SO-CALL Corelogic consumer report. 
BUT THEY GAVE THIS INFORMATION ON ME TO ANOTHER COMPANY!!!!!! 

AND THE COMPANY XXXX XXXX XXXX ALSO REFUSE TO GIVE ME A COPY OF MY INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.

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 2017-08-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navy Federal Credit Union ( NFCU ) still has not validated the debt that they believe I allegedly owe.
I attached a document of proof with this complaint. One or more of these deposits were stolen from my account by NFCU when NFCU restricted my account. When validating the debt, NFCU needs to explain where those deposits went.
Also, NFCU continues to report unwarranted/ inaccurate, negative, defaming and derogatory information on my major credit reports. I have continuously asked them to remove the information but to no avail. Another complaint here is that Navy Federal Credit Union ( NFCU ) still has not paid me redress for illegally restricting my accounts during XXXX-XXXX in accordance with File No. XXXXXXXX-XXXX. I ask again that NFCU remove all inaccurate, negative entries from all credit reporting agencies for reasons stated below : NFCU unfairly restricted access to my accounts. By NFCU restricting access to my accounts, I did not have the same opportunities as other NFCU members to view, update, and address fees that may have been applied to my account. As such, any fees or late notices that were applied to my NFCU accounts during this time should not have any bearing. This includes all late entries and charge-offs on all of my NFCU accounts that are currently documented with all major credit reporting agencies.
Also, NFCU stole my VA XXXX payments that were given to me by recurring, automated deposits. NFCU used it to pay on credit card debt without my permission. I could not stop the automated payments because ( 1 ) my account was restricted so I could not transfer the money out of my account and ( 2 ) because it takes/took two months from the time the VA was notified to stop recurring payments from going to my account and switch it to another. According to the Department of the Treasury, taking any VA XXXX XXXX from a XXXX is illegal. For redress, I simply ask that NFCU remove all negative entries from all my major credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: Factor Trust
State: AZ
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:
After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected and I have not recieved a response to my correct address provided to FactorTrust. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notice of revocation of payment plan agreement, UDAAP FDCPA violations In order to clear my credit report of a claim for a month of unpaid rent, which was alleged to have occurred in XXXX, which I dispute, but because of the age of this alleged debt, I had in good faith entered into an agreement with Hunter Warfield collection Agency to pay this under a payment plan with the understanding that on completion of the payment arrangement, they would remove it from my credit bureau. I had agreed to make the first payment tomorrow, XX/XX/XXXX. I now find that despite this agreement, they attempted to take the money from my account today, despite having no authorization from me, and then their office called me attempting to collect the unauthorized payment. In calling their office, they categorically refused to confirm in writing that on completion of this payment arrangement, they will report the alleged debt as paid and remove it from the credit bureaus. In addition, they even refused to provide me with a copy of their company policy that this is their standard procedure. I therefore revoked any agreement by me to pay ANY amounts until such time as I get confirmation in writing from them that they will do this. And I continue to dispute this debt. 
I believe that these actions may constitute a violation of both state and Federal UDAAP as well as state and Federal FDCPA laws. 
. 
XXXX XXXX XXXX : Maryland Attorney General Michigan Attorney General Federal Trade Commission/CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX ...., and XXXX account 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
TO : Synchrony Bank XXXX XXXX XXXX  CC : Comptroller of the Currency, Customer Assistance Group Consumer Federal Protection Board RE : Cash Back Program and lost check in the amount of {$250.00} Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX On XX/XX/XXXX, I inquired at my local XXXX XXXX XXXX in XXXX, GA, XXXX to my XXXX XXXX XXXX Cash Back check for XXXX. I was informed that the Cash Back checks were likely mailed in XX/XX/XXXX, and I was instructed to contact Synchrony Bank ( the Master Card and Cash Back Servicer ) as I had not received said check in the mail. I called Synchrony Bank and was initially advised that the check was mailed and cashed. I indicated that I had not received nor cashed the check and asked they confirm that the check was cashed. After a long wait on hold, the bank person said that the check was not cashed after all. However, it would not be re-issued since the expiration date of the check had passed. If I owed Synchrony {$250.00} and I mailed a check payment that got lost in the mail, they would demand that I send them another check. 
I explained to the Synchrony representative that I was away from my residence and out of state during the whole month of XXXX and the first half of XXXX, having stayed in Colorado with mail on hold at the Post Office. When I returned home I was not aware that the Cash Back check had been mailed. It was not in our Hold Mail. Then in XXXX, my wife 's brother died in XXXX, IN, and we were required to attend to his estate matters and remained in XXXX. Consequently, we were gone from our Georgia residence and out of state for nearly five months. During that time, my monthly payments were made to Synchrony Bank automatically and without my review of the monthly statements since we did not have our mail forwarded to us and did not have Internet access at his address. Our Georgia neighbors collected our mail during our absence. Since our return in XXXX, I have been catching up on all my financial affairs. 
I believe the response by both Synchrony Bank and XXXX XXXX XXXX is without goodwill and without effort to understand the issue that I have presented in this letter. As noted, the Cash Back check was never cashed, so I can only assume it was lost somewhere along the way during my absences from home. I have a spotless long-term history with XXXX XXXX XXXX and Synchrony Bank. This may end as I see no reason to continue a relationship that is not mutually beneficial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-01-29
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from XXXX in XXXX New York. I originally was approved through a bank called XXXXXXXX XXXX  had an APR of 14 % a week later I received a call because I was self-employed. They denied my loan I was then approved from a bank called Exeter finance. My APR was 23.8 % 75 payments at {$740.00} per month.

At the time of the purchase, I had to return a lease vehicle that I had due to a bankruptcy, and I was also dealing with the death of my daughter and losing my job. For work I did farmers markets I needed a vehicle.

It is now one year later, and I decided to go to my bank to refinance the vehicle and a lower APR and fewer payments. It was at this time I realized I am being charged way too much for the vehicle. My vehicles current value is only XXXX I called Exeter for my payout amount and they told me I owe XXXX on the vehicle. However I purchased the vehicle for XXXX. My XXXX XXXX value brand new is only XXXX. I asked the woman to explain. How do I owe more than what I purchased a vehicle for I also asked her why am I paying double for a vehicle that is only worth XXXX. I asked her who I speak to to lower the APR, and she informed me after speaking to her manager because its fixed it can not be lowered. It was at this time I realized I might be a victim of predatory lending.

My bank informed me that they will not refinance for more than the car is worth hence I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: GA
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:
Please Help on XX/XX/1922 I called Equifax to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from Equifax is telling me something else and stating that this inquiry is to remain on my credit file? Equifax is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CITIBANK, N.A.
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:
Account 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 explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a Wells Fargo Mortgage during the time that they were accused of financial unfair practices. I would like to see if I am included in that lawsuit and if any monetary damages are due to me.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.

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 2018-11-30
Company: NAVY FEDERAL CREDIT UNION
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:
Account is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called FedLoan Servicing on XX/XX/2022 to request a refund on the payments made during the payment pause. My loans were fully paid during this time. I was told that they are not recommending me to request a refund ( although I am eligible to do so ). The agent also told me it would take 200 days to process the refund and have a balance reflected on my account. I was told I would need to begin payments in XXXX although I am eligible for forgiveness. This will impact me financially as I would like to submit the student loan forgiveness application prior to XX/XX/2022 in order to receive forgiveness prior to payments resuming. 
I have received no update to the account and am concerned with the large processing time on this. According to the information the agent told me, it would take 6 months for this to reflect back on my account and I would not be able to receive forgiveness on all of those payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: FORD MOTOR CREDIT CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I ordered a XXXX XXXX XXXX XXXX from XXXX XXXX in Delaware in XX/XX/XXXX. The vehicle arrived and Ford has a program for vehicles ordered before XX/XX/XXXX of 3.9 % for 60 months. I have perfect credit and was pre-approved with Ford Motor Credit and they refuse to provide me with the 3.9 % APR. They are charging me 5.9 %. The Dealership is saying that Ford Motor Credit refuses to honor this advertised program. Here is the program and disclosure : XXXX : XXXX XXXX XXXX XXXX XXXX Sales Event : Final Days Offer Details The XXXX XXXX XXXX or XXXX will raise your heart rate and stir your soul. Drawing on deep performance roots, it features precise handling, high-powered engines and iconic design. Check out the great incentives and deals, and dont miss this opportunity to secure your XXXX XXXX XXXX model now. 

DISCLOSURES *Place a new vehicle retail order for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a local authorized XXXX Dealer on or before XX/XX/XXXX and lock in 3.9 % APR financing for 60 months at {$18.00} per month per {$1000.00} financed regardless of down payment ( XXXX # XXXX ). 

**Not all buyers will qualify for Ford Credit financing. Not available on 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  Residency restrictions apply. See dealer for qualifications and complete program details. Some exclusions may apply. Due to high demand and global supply chain constraints, some models, trims, and features may not be available or may be subject to change. Check with your local dealer for current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
My name is XXXX XXXX XXXX, I already qualified for the XXXX bonus miles with my American Express Gold Delta SkyMiles Credit Card ending XXXX SkyMiles Account : ending XXXX with more of {$1000.00} within the first 3 months of Card Membership. The miles have not been Accredited to my account and it 's been 6-8 weeks after I reached the spend threshold. I opened the account on XXXX XXXX and completed the requirements the first week of XXXX 20017. I called American Express Customer Services XXXX several times and the Account Representatives explained different reasons and excuses all the time but they do n't give me any results. There is a case open XXXX but they do n't have any resolution. I 'm trying to purchase a Delta Tickets but I need the miles to be accredited to my Delta SkyMiles account in order to purchase the tickets. This is the reason why I opened the credit card. I am sick of calling customer services and nothing changes so far. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Since these guys have sent my PII through email without verifying any information with me personally, I have been harassed by phone calls and people showing up at my door. Oh, and I've had to move because my ex husband got a hold of the information. I now sleep with a gun because of the incessant harassment. I'vetried contacting them multiple times through email, their website, phone number and all I get are XXXX representatives. Why are fraud issues dealt with in a foreign country? Why am I not able to talk with an American citizen about any of this? I've searched through the contract they sent and nowhere does it state that any information was going to be available in a foreign country. How is this even legal. The amount of fraud that can happen is unreal!!! I have had to move twice now because these guys have handed my PII to my violent ex hisband. Several of the addresses on these aren't even mine. Ive contacted every merchant on the bills they sent through my email with account information and address and NONE of them can provide me with a signed receipt. NONE!!! There's no delivery confirmation for the letter they claim they sent informing me of them selling my PII. If they sent something like that, I would think they would want some sort of proof that it was sent and not just written and left on a computer. Im sick of the harassment!!! These guys do not care about the personal safety of anyone.

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 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation