BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, and XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, and XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX CFPB Case # XXXX XXXX and XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Please review the updated response/request from NFCU once my Payment Protection Plan Eligible was applied for the timeline in question. I dont know what to do next. I called NFCU about the status of posting the XXXX XXXX Funds to my NFCU account and to inquire as to why XXXX XXXX XXXX are still handling my account and planning to take me to court after the money was clearly posted and I clearly qualified for protection during the cancelation period. It is very frustrating that NFCU is not honoring that I qualify for coverage and my accounts should not be in collections. NFCUs response to my dispute in was : Coverage was canceled on XXXX XXXX Home Improvement Loan ending in XXXX on XX/XX/XXXX and coverage on the XXXX Account was canceled on XX/XX/XXXX. However, if the protected event occurred while XXXX XXXX coverage was in effect, she may still  be eligible for Protection Activation. On XX/XX/XXXX XXXX XXXX XXXX initiated the contact to XXXX XXXX about my protection coverage. On XX/XX/XXXX I received a letter from XXXX XXXX stating Your credit union has notified us of your XXXX Please complete and submit documents On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stated that After a review of my request for Benefits for XXXX ; payment on my account have been WAIVED for the period of XX/XX/XXXX through XX/XX/XXXX. Now NFCU acts like the situation is resolved and it is not. I spoke with XXXX XXXX at XXXX XXXX Now that the XXXX XXXX has been posted, the ball has dropped again. The dates are in the timeline of the cancelation on my NFCU Accounts. XXXX XXXX XXXX stated that the situation was out of his hands and that he would reach out to a supervisor. I have constantly stated that I have every intention of paying my NFCU Debt in full however, it is clear that my accounts should not have gone to the outside collection agency of XXXX XXXX XXXX. I still have to communicate through XXXX XXXX XXXX for a payment arrangement that would not have come to past if the XXXX XXXX was posted as stated by XXXX XXXX Branch. Im not satisfied with the resolution. My court date is XX/XX/XXXX in XXXX County at 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 2017-08-23
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Signed contract with builder XXXX XXXX to build new house in XXXX, VA. Paid {$5000.00} earnest money deposit at this time to begin process. XX/XX/XXXX : Spoke with NVR Mortgage, who is XXXX XXXX 's lender, to start pre-approval process for VA home loan based on military XXXX pay. XX/XX/XXXX : Met with XXXX XXXX of NVR Mortgage to sign documents to start the pre-approval loan process. XX/XX/XXXX : Received job offer from XXXX XXXX XXXX XXXX due to XXXX from XXXX XXXX on XX/XX/XXXX. This job results in over {$30000.00} pay cut. Previously not aware this high of a pay loss was going to occur during transition from XXXX XXXX military to the civilian sector as a XXXX XXXX, XXXX. XX/XX/XXXX : Accepted job offer with XXXX XXXX XXXX XXXX to start XX/XX/XXXX. Gave notice to XXXX XXXX, XXXX XXXX, stating I am receiving pay cut from {$97000.00} to {$60000.00} and do n't believe I can afford a home of this XXXX come time to close on house XX/XX/XXXX. I do not believe I will be approved for a home loan with this yearly income. I plan on joining the XXXX XXXX XXXX XXXX, however, do not have orders stating this will occur as of yet. XX/XX/XXXX : Spoke with XXXX XXXX XXXX, XXXX XXXX, regarding loan approval. Lender stated unlikely approval would occur with projected yearly income. XX/XX/XXXX : XXXX XXXX, sales representative with XXXX XXXX, stated I had to submit a letter of reason stating why I wanted to end the contract with XXXX XXXX and submit a letter of " termination '' from my employer in order to receive the earnest money deposit back and cancel the contract. I submitted this statement of reason to XXXX XXXX as well as my XXXX stating end of XXXX XXXX service with the United States XXXX on XX/XX/XXXX XX/XX/XXXX : Received a notice of Default of the Purchase Agreement from XXXX XXXX, XXXX XXXX, stating I 'defaulted ' on the contract and would not receive my earnest money deposit back of {$5000.00}. XX/XX/XXXX : Submitted statement to XXXX XXXX, XXXX XXXX, serving notice I do not agree nor accept the terms and conditions of this termination letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In early XXXX I received in the mail a Chase Freedom Unlimited credit card in my name indicating my card was ready for activation. Problem is I never applied for said card and immediately had my suspicions that it had been fraudulently applied for. I never activated it and have kept it in my possession until I learned more about why it was sent to me. 

Today I called the Chase Customer Service number ( XXXX ) to find out what was going on. ( I got this number from one of frequent emails I have received from Chase in the past week or so. ) After being bounced around on automated phone mail, I finally spoke to an agent who wanted to know my password (! ) and my mother 's maiden name (! ) so she could access my account. I explained I did NOT have an account and never applied for one. She passed me on to a supervisor who again asked for private information I was not willing to share. She passed me on to a third person who explained that someone else may have applied for the card in my name and that they possessed enough of my personal information for Chase to issue the card. He said he would cancel the card and inform the proper credit authorities. That's where things stand at present. 

I thought I should report this experience to someone to find out if this is a current scam going around and to warn others about what I had experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 XXXX File # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
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:
XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX Fifth Third Bank Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the Fifth Third Bank branch and made payment on this card through the bank officer and teller from my fifth third savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my Fifth Third Bank credit card account. 
I Informed this to the Fifth Third bill pay department over phone where all my credit cards, check book, with XXXX XXXX, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and Fifth Third Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of XXXX XXXX Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation. 
Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect. 

XXXX XXXX Credit card had been in deferred payments due to COVID-19 Virus epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments. 
S

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This company shares medical records with 3rd parties. This is a breach of the HIPPA privacy laws instated by our federal government, since this company that deals with the American social security system ; As a part of our federal consumer privacy laws in America this is an alarming company to be sharing personal information to parties WITH NO PERMISSION from the consumer. This is also a FEDERAL OFFENSE in accordance to our constitution and laws set in place to protect consumers from fraud and privacy Breaches. I have not nor do ever authorize this company or ANY of it's partners/ affiliates that have are or will be involved in this policy, to ever use my information for any reasons regardless of requests from other parties. Again this is a company breaching consumer privacy laws by releasing medical records from it's consumers/customers with no permission. Nor do I authorize this company to ever use my information or to share any said information collected about myself or my descendants for any reasons what so ever, here unto and forever.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
None of the previous information on this form applies because there is no option for selecting " Other '' or " N/A ''. In early XX/XX/XXXX I saw on the State of TX website for unclaimed property/money that CitiBank had unclaimed money belonging to me of {$290.00}. It was reported in XX/XX/XXXX, but the reason for it was unclear. I had no accounts with CitiBank. In the past, I had 1 credit card through them, but it was closed a number of years ago. My complaints against CitiBank include the following : 1 ) I spoke to several different depts of CitiBank and was told by all that they had no record of having unclaimed money belonging to me and therefore, could not refund it to me. - CitiBank made no effort to contact me regarding that money because my address, phone numbers, and email addresses have not changed in many years. 2 ) I eventually recovered the money by going through the State of TX, but if I had not seen it on their website, I never would have been notified or received my money, thanks to CitiBank. I wonder how many other people 's money they are holding with no attempt to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2017 I attempted to payoff my loan. Late charged on my account due to hardship. Contacted Ally they advised of completion of waiver for XXXX by Monday X/XX/2017. It is now XX/XX/XXXX XXXX my 3rd call and nothing is done on the account. I was advised my a " supervisor " XXXX that my waiver was still in process. But early that day a representative told me there were only notes on the account no waiver was ever submitted. I am so tired of companies lying and doing anything they want to get you off the phone. All I want to do is send my final payment and I feel like they are stalling my payoff

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 2019-12-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a Request and Written for Garnishment from the State of Michigan Judical District Judical Circuit from a 3rd Party trying to garnish income tax refund/credit. This was on XX/XX/2011. This old debt from a 3rd party is Past the Statue of Limitation in MIchigan. According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. This is old charge off and these 3rd Parties still think they can get money off a old debt, which I don't even recognize. They can keep filing with the courts and get granted but I will NOT be paying a 3rd Party, as I don't know this bill and has been a charge off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: OH
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 requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: HUNTINGTON NATIONAL BANK, THE
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: Report provided to employer without your written authorization

Complaint:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Worldwide Processing Group, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX Forward movement recovery SCAM Threatens you and family members with arrest if you dont pay. Sometimes they say IRS sometimes they say pay day loan but it is always the same number calling. I do not owe any of these and have asked them to stop calling. They keep calling not only me but family members. They also change the amount owed and who owes it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paragon Collection Agency from North Carolina reported me to experian without ever contacting me. 

XXXX said the date was XX/XX/2021 I received a text on my XXXX Credit Card site about this My credit rating went from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recently inquired before about my account being closed, and I got a response from citi executive team. The main issue is the funds left in the account, I was told by the team that I can walk in my nearest Branch with a third party to receive funds and when I proceed to do so, the Branch said they cant because there is a block on my account, I showed them the email sent to me by the citi executive team and they disregarded it because only the fraud team can approve whether I can access my funds. I called the fraud department and they arent helpful, they just hang up on me, and say the funds are going to be sent back to the issuer. And they wont put any note to let the branch release my money to me. This is MY money and I need it immediately. One person says I can go to the branch, another said I cant. I just need my funds as soon as possible.

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