BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 check my credit report recently, Unfortunately I saw inaccurate account and unauthorized inquiries listed on my report. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint. Here 's the inaccurate account and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$470.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date opened XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$20.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$80.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$2900.00}

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. XXXX, EX [ ERIAN AND XXXX are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.

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 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am deeply troubled to share the frustrating experience I have recently encountered with Navy Federal Credit Union. Despite the Internal Revenue Service ( IRS ) having sent them a letter to release the levy on my account two weeks prior, the bank still placed a hold on my account, causing significant and undue hardship. 

On XX/XX/2023, I was astounded to discover that Navy Federal Credit Union had placed a levy hold on my account, in direct contradiction to the letter sent by the IRS. Remarkably, the IRS had communicated with the bank on XX/XX/2023, instructing them to release the levy. This action should have precluded any hold being placed on my account, as per the predetermined 21-day window stipulated by the bank 's policies. 

Subsequently, when I reached out to Navy Federal Credit Union for clarification and resolution, I was instructed to contact the IRS directly. However, it is critical to emphasize that the IRS had already taken the appropriate steps to notify the bank of the levy release in advance of the 21-day period. 

This situation has caused immense frustration and financial strain, and I am deeply disappointed by the failure of Navy Federal Credit Union to honor the instruction provided by the IRS in a timely and responsible manner. As a customer, I expect appropriate adherence to regulations and an understanding of the impact such holds can have on individuals and families. 

I sincerely hope to see a swift and satisfactory resolution to this matter. It is imperative that financial institutions such as Navy Federal Credit Union take accountability for their actions and strive to alleviate, rather than exacerbate, the burdens faced by their customers. 

I will continue to pursue a resolution to this issue, and I trust that Navy Federal Credit Union will take the necessary steps to rectify this disconcerting situation. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i submitted a letter asking for the investigation report and never received one it has been more then 30 days and this is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.

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 2023-11-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon receipt of my last complaint, the company made a XXXX of adjustments that make no sense on my account which reflected in an alert from my credit company that my account balance has now increased. At no point in time should this balance have increased as it was on XXXX XXXX withdrawals and XXXX XXXX payments. This has now impacted my credit and PHH continues to make it worse in their review and audit of the account and escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
There are inquiries that I never authorized reporting on my consumer report. I tried resolving this with the credit reporting agencies, but I have yet to receive the validation I have requested. This is a direct violation of my consumer rights because the inquiries are still reporting on my consumer report.

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 2023-12-14
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am writing to express my deep concern and frustration regarding the ongoing issues surrounding the closing on my house with my mortgage lender XXXX, putting my property at risk of foreclosure. 

Despite our contractual agreement and the initial closing date of XX/XX/XXXX, we have faced significant hurdles where the loss mitigation department was unable to get us a payoff amount as we sat at the table to close including missed closing dates on XX/XX/XXXX, XXXX and XXXX, we did finally receive the payoff XX/XX/XXXX, But now the primary point of contention arises from the final payoff amount, which, upon receipt after XXXX missed closing dates, was over {$10000.00} more than the previously agreed-upon amount dated for XX/XX/XXXX. The explanation providedthat taxes due in XX/XX/XXXX were deducted from my loan accountis perplexing, as XXXX XXXX has yet to confirm the receipt of the funds after XXXX full weeks. Despite assurances from the lender that the wire was initiated on XX/XX/XXXX, XXXX XXXX disputes this, highlighting a lack of coordination and transparency. 

Moreover, the title company has requested a federal reference number for the wire transfer, a crucial piece of information that the lender claims not to possess. This lack of documentation raises serious questions about the legitimacy and timing of the funds transfer, contributing to the confusion and hindrance of the closing process. 

It is essential to emphasize that the lender 's actions, or lack thereof, are not only causing financial strain but are also potentially putting my property at risk of foreclosure. This is not only an egregious breach of our contractual agreement but also raises legal concerns, as a lender is not permitted to obstruct or impede a closing for an account under contract, especially XXXX involving a cash buyer. 

I have discussed this with any dept that would answer and listen and I additionally sent a letter to every dept available to receive documents. Asking them to take immediate action to rectify this situation. XXXX is of the essence, and any further delays XXXX result in severe consequences, including legal action. I kindly requested a swift resolution, clear communication, and the provision of all necessary documentation related to the wire transfer. 

I have a cash buyer who might walk which will result in my house being foreclosed on scheduled for beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America, closed my account due to a check that was mailed to me through the usps, to my XXXX XXXX XXXX XXXX XXXX, I was instructed to deposit the check into my bank account as I did for a car wrap company that was supposed to wrap my car, I was instructed to call the installer as soon as the money cleared, bank of America had cleared the check I was then instructed to pay the installer on XXXX XXXX  XXXX dollars which kept saying the transaction failed, when looking back at my statements the gentlemen had got the XXXX and my account automatically minused and left me in the whole XXXX dollars, I don't understand why bank of America gave the company back there money because they said they never issued me a check, instead the minused me XXXX dollars and closed my account with no explanation and still won't hear the side of the story, not just only that, I don't agree with them not posting deposits on the weekends, that doesn't make any since to me personally, ( example ) say I put XXXX in the bank on Friday I withdrawl XXXX which says I have XXXX on my receipt, so I know not to go over XXXX well on the mobile app I look at my account and there saying that a transaction is still pending well I go to the bank and check my balance and the restaurant took out the money already, what does that mean that it's still pending and they don't post transactions on the weekened when the transaction was finished pending they double charged me and kept leaving my account over drawn and would take it out of my other accounts like my credit card which I still have that I'm not understanding where the overdraft fee, is coming from just says overdraft fee and doesn't say where the transaction came from, ive had plenty of conversations with bank of America and don't get none of my money back that they took, I deposited XXXX dollars one time and the receipt said I had XXXX dollars it's been a mess with bank off America and 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 2023-12-14
Company: Click n' Close, Inc.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a escrow analysis for XXXX XXXX XXXX XXXXf this year. notifying me that my mortgage payment was going to increasing effective XXXX of XXXX  by about XXXX a month. I contacted the mortgage company and they said it was because of my homeowners insurance policy. They sent a bill for XXXX which is an increase from the previous year. I told them I was cancelling it and would sent them my new insurance information. Note, my insurance from the previous year was XXXX. I found a new company that decreased my yearly insurance premium to around XXXX so my payments should have went down a lot from the previous year. I submitted the new insurance information to my mortgage company in XX/XX/XXXX BEFORE the new mortgage amount kicked in XXXX. I got a new escrow analysis this week that is dated XXXX  surprisingly my payments only went down XXXX but my new insurance policy is approximately XXXX a month cheaper than the previous year. I have tried to call and discuss this over the phone with the agents and I've made no progress. I was told it's always based on the year BEFORE. But my bill for XXXX is XXXX less! Also, they paid out the XXXX to the other insurance company. I sent them my refund and confirmed it was posted so that is not the issue. I am asking that this issue be corrected. My payment should reflect the bill received for the insurance for XXXX not the cost of my old policy from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
None of my credit reports match. My student loans were paid in full and yet Transunion shows them as being deleted from Their files. XXXX and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to alrj3 months of payments these are the same bil for over XXXX  years

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