BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The Experian/XXXXx Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Someone has used my personal information to obtain loans and credit cards from.

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 2021-07-22
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
We have a XXXX  XXXX XXXX XXXX that's now paid off but Hyundai finance are dragging their feets to process the title and send it to us. We need to sale the car now but we can't without title.

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 2021-08-30
Company: CITIBANK, N.A.
State: CA
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2019, my statement balance of {$32.00} was paid in full ( via autopay, as usual ) and statement was closed with {$0.00}. A month later, the payment was returned and appeared as a XXXX balance on the next statement, along with late fees. I had no idea this was happening until I found out a few months later as I noticed the effects on my credit score. I was not using the credit card ( Macy 's store card ) so did not expect a charge after closing the said statement. This was exacerbated by the loss ( potentially theft ) of my mail including letters from Macy 's, recovered months later by the USPIS. I was not notified by e-mail, text, or phone. 

The reason why the payment was returned was a mystery for a while, until after repeated calls to Macy 's customer support and escalating the issue a few levels up the management chain, they identified that it was because the autopay attempted to draw money from a closed account. Importantly, I had updated it to another active account more than a year before this happened, and the autopay had been consistently successful in previous statements. The issue was probably due to a technical error on the creditor 's end. They accepted it over the phone and returned the late fees, but never corrected the credit reporting. 

A more detailed account of the events is attached, along with documented evidence to substantiate the stated facts. 

This has since damaged my credit score and will cost me tens of thousands of dollars in mortgage interests on my recent home purchase. I would like this to be fixed as soon as possible so I can refinance my mortgage with a better credit score. 

I have already contacted the creditor ( Macys ) directly and the three credit bureaus ( XXXX, XXXX, and XXXX ) multiple times to fix this issue, but they have not been helpful.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-03-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus. 

I appreciate your prompt communication thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: TX
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 sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2021-12-02
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 is missing that should be on the report

Complaint:
YOU HAVE RANKED ME WITH A XXXX XXXX SCORE, BECAUSE I HAVE NO MORTGAGE OR CAR LOAN INFORMATION. THE FACT IS... I DO NOT HAVE ANY OUTSTANDING MORTGAGES OR AUTO LOANS. I OWE NOTHING ON MY HOME, NOR ON MY VEHICLES. MY CREDIT REPORTS WITH OTHER AGENCIES ARE ABOVE XXXX. PLEASE HAVE A LIVE HUMAN BEING REVIEW MY INFORMATION AND MAKE THE APPROPRIATE CORRECTIONS. THANK YOU IN ADVANCE, 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 2018-07-16
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had unauthorized charges on account, disputed, no one ever contacted me. Also, had a separate account with nearly {$2000.00} that was not linked to the one in reference, can not access it. Also, during the same time frame, I was not able to log on or get any information from automated system.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX

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 2021-12-02
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX bill in question was for an apartment I did not move into due to the unit being uninhabitable. I successfully broke the lease and returned all keys. I paid the XXXX bill on XX/XX/2021. There was a clerical error processing the payment, and it did not go through. XXXX attempted to notify me of this by mail at the address I never moved into and did not have a key for despite me telling XXXX my correct address on a recorded phone line. As soon as I found out the bill was unpaid and in collections, I paid it immediately. This is the only negative item on my credit report and I am in the processing of buying a house. I don't believe a clerical error should prevent me from succeeding in buying a house when my credit is otherwise perfect. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Upgrade, 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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, I noticed two suspicious charges on my credit card account, on which my husband is an authorized user, for {$34.00} each from " XXXX XXXX ''. I called Chase who said the charges had been keyed in and that my card would need to be replaced, and also helped me identify an additional charge from XX/XX/XXXX for {$32.00} from " XXXX XXXX '' that was also suspicious and made via XXXX XXXX. When I looked up the franchise number attached to these charges, they are both in areas of the city my husband and I do not go to. 

Additionally, my husband was hospitalized in mid XXXX with XXXX and he has not been leaving the house, so it is impossible he could have made these charges. 

I noticed today, XX/XX/XXXX, that the charges were still showing on my statement so I called again. The representative this time told me no fraudulent claim had been filed. She also told me that all three charges were made from the XXXX XXXX  account attached to my husband 's phone, in contradiction to what the previous representative told me, and that they were not made in person but online ( again in contradiction to what the previous rep told me ). She opened a fraud claim investigation for me but also told me that because the charges were made through XXXX XXXX, they would probably be found to be legitimate and we would be re-billed for them, potentially impacting my credit. I stated these charges were absolutely fraudulent. 

This is absurd because these charges are fraudulent. My husband and I do go to XXXX, but when you look at the billing statement, the actual locations we frequent show up as " XXXX XXXX '' versus these fraudulent transactions which are showing up as " XXXX XXXXXX '', without the XXXX spelled out. You can also see that we have never been to the alleged franchise locations from the fraudulent charges. I am not even sure if these are legitimate XXXX locations or just a scam to make the charges look legitimate during a credit card theft scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed there has been several companies that withdrew money from my account that I did not authorize nor have any written permission to withdraw funds from my account. I disputed the issue with navy federal and they informed me that it was an issue I need to handle on my own. As a consumer my rights has been violated as I am suppose to be protected by the FDIC and my funds is suppose to be secured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MI
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:
I have a loan with a company called XXXX  XXXX XXXX XXXX. In brief, my attorney negotiated an altered payment schedule due to my business closing during the pandemic. This agreement started in XX/XX/2022. Since this time, XXXX has continued to report incorrect information to the credit bureaus which is directly bringing my credit score down and keeping me from other crucial items needed. 

1. They reported that my account was charged off. It never was, this was never the case.

2. After I disputed this with the credit bureau, they did something even worse, they reported my account closed.

3. This has caused my credit score to drop XXXX points. 
4. My account is open, active and I am making the necessary payments on it. This company is being beyond irresponsible with my credit file, I believe their actions are illegal.

5. The credit bureaus do nothing to assist with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX $ XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-03
Company: EQUIFAX, INC.
State: OH
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:
Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX $ XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/2022 I received an text message stating that a company located in Michigan was interest in hiring me for a " remote job ''. I quickly responded yes, and an online chat interview was scheduled for that morning. After a lengthy chat, I was told that they would send me funds for office supplies ( computer, desk, fax machine, etc. ). I received the checks totaling {$4700.00}. I used the Bank of The West app on my phone to deposit the checks. Only {$400.00} settled right away. I was told by the person I was chatting with to send the {$400.00} to a " vendor '' for company issued supplies. At the time, I only had around {$450.00} in my account. I had been in an automobile accident two weeks before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I jumped at the chance for a job that I could XXXX XXXX XXXX I had not heard about this scam. Since I was, and still am, inundated with phone calls and email from my insurance and attorney, I decided to open a second account and put the funds from those checks in there so I didn't have any bills pull from those funds until I could go to the bank and make sense of what was going on. I thought something wasn't right, that's why I didn't send anymore money to anyone with those funds. The following Monday ( could have been Tuesday ) I noticed that the funds were being pulled from my account. That's pretty much what I had expected. Then I find out that my account is being closed. I went to the bank and they told me that not only would they not refund my {$400.00}, they were closing my account and I am not able to bank with them anymore. So, now I have no car, no job, roughly {$50.00} out of the {$450.00} that I had left in my account, and no bank. Initially I was told that I wouldn't receive the {$50.00} either if the funds that were taken out from the check didn't cover it. Because I didn't ( and never intended to ) use any of the money from the checks, I got my {$50.00} back. I tried to appeal to Bank of The West to get my {$400.00} back, but they flatly refused. I really need that money to survive. My naivety cost me almost all of what I had in the bank. I complained to the bank on a customer survey, but I know that will just end up in the XXXX XXXX XXXX XXXX  ( garbage ). They gave me the option to have them call me, but I know they won't. They don't have the integrity to do so. DON'T BANK WITH BANK OF THE WEST!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.

Company response to consumer: Closed with explanation