BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I cashed a couple of third party checks via e-deposit at NFCU and one of the checks cleared however, the other two were returned as being duplicate checks when they were actually not at all. I was given substitute yellow checks in the mail but when I called NFCU to try and get compensated my money back they were no help and said there was nothing they could do. My account was debited for the amounts but I never received the money and now one account is closed and was overdrawn {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I got approve for borrower defense forbearance to delay my loan until 2023, however ECMC has refuse to remove default status on my loans, credit report and put my loan forbearance.

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 2022-02-23
Company: GreenSky, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
GREENSKY INSTALLMENT XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by GREENSKY XXXX. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Initial letter to denial for line of credit sent on XX/XX/XXXX : I am writing in response to your decline of my application for a SYNCB Electronics Online account. The refusal explanation letter is dated XX/XX/XXXX the request occurred around XX/XX/XXXX. The reason stated was insufficient or lack of credit history. 
The letter stated that this was based on credit reporting from XXXX  Credit Info Se and XXXX. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total lines of credit 11. Credit utilization 2 %. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total open accounts 10. Credit utilization 1 %. 
This is very disappointing and very difficult to comprehend that you would restrict my ability to get the immediate savings on my {$2000.00} purchase ( that required your credit card ) based on somehow not approving my application based on my credit reports. 
Based on my rights under the Fair Credit Reporting Act I am requesting further explanation regarding why my application was denied. The reason given in your XX/XX/XXXX letter does not appear valid. 

Response from Synchrony Bank received on XX/XX/XXXX : Thank you for your request for a second review of your SYNCB Electronics online application. We remain unable to provide any further details regarding the reasons why the application was declined and are unable to approve your credit request.

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 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit card account with Bank of America for the purpose of a balance transfer promotion. This balance transfer promotion is until XX/XX/XXXX. I called Bank of America to see if I could add additional purchases and if they would be covered under the 0 % apr. I was informed that they would be. I made a purchase and on my next billing cycle was charged interest. I called Bank of America again, to see why this happened. The representative informed me that my new purchase was NOT covered under the 0 % apr and to avoid further interest charges, I would need to pay off the new purchase amount in full. I did this. I received my next statement with even a larger interest charge and again called Bank of America. This time I was informed by both a representative and supervisor that my payment was only partially applied to my higher rate purchase and the rest was applied to my balance transfer of 0 % interest. The supervisor told me there was nothing she could do except reimbursement this once for the interest charge. Through my research and what I have read about the Credit Card ACT of XX/XX/XXXX, this company is not abiding by this legislation. I was misinformed on XXXX separate occasions by the same company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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 XXXX XXXX Bank Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Fed XXXX BK- XXXX An Account # XXXX ; XXXX Bank SS Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 2020-01-22
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have 2 entries on my Credit report for same debt, one from XXXX, and the other the collections agency NCB management they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either XXXX, or NCB not both. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion fail to properly investigate/verify and validate in the 30 days time frame

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 2022-02-23
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXXXXXX 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX 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 2022-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Experian that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : 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 2015-05-11
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying on my accounts with XXXX and the agreement has been to remove the items after they have been paid and on some of my reports this has yet to happen especially months after the accounts were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2016-08-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I tried to dispute with Experian an item is in my credit report and tehre is a process of a Validation of the Debt with XXXX XXXX also, I Kept Experian aware that I was in the process of Validation of the Debt therefore they can not continue reporting anything if a validation is not provide to me from the collector I 'm dealing with. but seems Experian do n't respect my FDCPA rights they still reporting an item is not validated, see the attached validation letters I sent and XXXX never responded. 
Collection agency if they do not validate a debt can not continue to pursue collection activity .see FDCPA Section 809 attachment. thank you

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 2019-11-13
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally with XXXX and I wrote them a check for {$14000.00} which then brought my remaining principal to {$49000.00} which I can prove with the XX/XX/2019 statement. XXXX went bankrupt in the midst of processing my payment and the new company that took over the debt, Shellpoint Mortgage Servicing, claimed they didn't have record of the {$14000.00} payment. They eventually contacted me and stated they had located the payment once I sent them a copy of the check. Shellpoint then said everything was resolved. Now Shellpoint has sent me a mortgage statement saying my current balance is {$53000.00}. My original intent with the {$14000.00} payment was to cover all of my payments due for 2019. Shellpoint is saying I owe for XXXX. I have called and left numerous voicemails after being on hold with their customer service line, but have yet to receive a response from them. I don't understand how my principal balance went from {$49000.00} in XXXX with XXXX to {$53000.00} in XXXX with Shellpoint and have to make a XXXX payment ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
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:
On XX/XX/2020, XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2015-03-23
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/XXXX received a voice message from Vanderbilt Mortgage stating they were collecting a debt. My mortgage has been with them for over 10 years. I have money direct deposited weekly into a special checking account for them to draft their payments. Never been any problems. They say that in XXXX XXXX another customer wrote my account number on his check and the payment was credited to my account. I did n't catch their mistake. I hold up my end of the original agreement and assume VM does the same. I told them to go ahead and withdraw the missed payment from the account but they said I had to give them all the account information over the telephone. With trepidition I gave them my banking information on XXXX/XXXX/XXXX and kept watch on the account. On XXXX/XXXX/XXXX I called them since the money had not been withdrawn. Was told it usually took 14 days and would occur on Friday, XXXX/XXXX/XXXX ( it did n't ). On XXXX/XXXX/XXXX while at work they called and said they were collecting a past due debt. I went through the entire scenerio with them again. I have never had to deal with such rudeness. I gave them all the financial information again. I was also told that I would be charged a late fee for each month beginning in XXXX XXXX when the payment was missed. I do n't understand this as I fulfilled my agreement and the money was always available in the draft account. They messed up by applying another customers payment to my account. Was I at fault? Should I be penalized? I 've heard so many horror stories of Vanderbilt Mortgage ruining innocent people and their credit. I appreciate any guidance you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation