BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2020-12-16
Company: Experian Information Solutions Inc.
State: KY
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:
I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items from my report immediately.

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 2018-10-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously filed against Wells Fargo over this same thing. They have again claimed that I gave my ex permission to charge things to my account after not only removing him, but calling the police on him for stealing from me. I want a detailed explanation of how they are arriving at this ( or honestly if they are just making this up because I did not give him permission at all ). Furthermore, they admit to issuing multiple cards for the account. One I knew about ( I have or had it, and that's fine ). Another was given to him without me knowing about it, and that's the issue here. It either shouldn't have been given to him or deactivated the moment I called in and told them to revoke everything ( yes, including any loose cards they gave him, but they failed to ). They had already failed to stop him from withdrawing money from my account and changing contact information to prevent me from discovering his fraud / filing against his fraud until relatively late. They are even preventing me from getting statements from 2 accounts that he opened in my name even though that's against Social Security 's rules ( federal rules ). However, the statements are less of a problem than them ignoring that he did not have permission to mess with my accounts at the time in question and there's multiple court orders here about how they aren't supposed to be charging me for his debts. So let 's start with a real, detailed explanation from them of how they arriving at this conclusion so that I can figure out what they are misunderstanding or if they are just lying because they feel that they can more easily squeeze money out of me than out of the actual person who is responsible. If that doesn't clear it up, then it will be about 2 months ( I believe ) before I can serve. Thanks.

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 monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Used country gables account information twice. I only have XXXX XXXX XXXX account. Only XXXX is listed on XXXX and XXXX. Previously only XXXX was on the Trans Union account. Then they added XXXX of the same account one a few dollars more but all the information is the same. I started to file bankruptcy and at that time only XXXX XXXX XXXX account was listed when we pulled the Trains Union report. I have never made another bill with this company and only have XXXX account I.owe. I put in a dispute and have called Trans Union personally without any thing done.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
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  IS REPORTING A FRAUDULENT ACCOUNT ON MY PERSONAL CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, WITHOUT MY CONSENT. THE CHARGES ARE FRAUDULENT, I NEED THIS FRAUDULENT ITEM TO BE REMOVED FROM MY CREDIT 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 explanation
Consumer complaint received 2022-04-19
Company: OneMain Finance Corporation
State: PA
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:
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from ONEMAIN on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from One Main Financial and I have been injured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: OneMain Finance Corporation
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. 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 severe financial and emotional distress that 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 2023-08-28
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being contacted by a collection agency about two medical debts tied to the name " XXXX XXXX XXXX '' from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Despite repeated claims that they i a not XXXX XXXX XXXX and have never received the mentioned medical services, the agency has requested identification verification. I have expressed discomfort in providing personal documents due to identity theft concerns. The collection agency has also reported the disputed debts to credit bureaus, negatively impacting my credit score. I seek the removal of these marks from my credit report until the situation is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently, Experian reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from been versed and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my Experian account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and been verified collect money on their end and with the advent of XXXX, family members are trying to connect and use those systems which have some how been captured by Experian to put on my report, not for Experian to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
Experian knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this XXXX stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, Experian needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. Experian do right by your 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 2018-10-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got a loan through Navy Federal In XXXX  Ga on XX/XX/2018 for XXXX. It was for a used car from XXXX XXXX XXXX. I had called Navy Federal the morning of XX/XX/XXXX so under 24 hours and asked to put a cancelation on the loan because the vehicle I had safety concerns and my wife was scared to drive it. I had then returned the vehicle to XXXX XXXX and he refused to give me my check back. So I called Navy Federal and talked in person to 5 different people and they all told me that the cancelation was in process and theres no way the loan could go through and if XXXX XXXX tried to process it then it would get denied and sent back to him. I then get a call 15 days later saying the check had processed and there was nothing I could do about it. XXXX XXXX had forced payed my check by saying I had possession of the vehicle I haven't had the vehicle for almost a month now but Navy Federal never called me when Mr XXXX  told them that. I then told the lady that called me that I wasn't going to pay on a vehicle I don't have and she told me that they would force take money out of my account if I didn't make the payment. I have a lawyer right now for XXXX XXXX as well. I also asked the lady if I could have an investigation on the recordings of the phone calls since the people told me the check could never get processed and she told me I couldn't do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any aitems listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX FIN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-20
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Company is reporting a lawful payment as a charge off.. this is a billing error. 
Company has not forwarded the title to the property. 
Company reporting account was closed/charge off, bad debt.. 
Company is not properly applying lawful payments.

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 2023-05-11
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It would have been my preference to share this story directly with NFCU 's XXXX XXXX, however, they do not publish contact information for that committee and customer service declines to share it with me. 

I have had issues with payments to my XXXX XXXX from XXXX XXXX being delivered late by NFCU 's bill payment vendor, XXXX. When scheduled, those payments indicate electronic delivery. For reasons nobody at NFCU, XXXX XXXX, or XXXX can explain, approximately five days prior to the date I schedule, the payment is converted to a check and sent via XXXX. 

These conversions have caused my last two payments to arrive late, which has cost me hundreds of dollars in finance charges I would not have otherwise paid, and subjected my XXXX XXXX account to other adverse action. NFCU disclaimers ownership of this problem and sends me to XXXX. XXXX is aggressively unhelpful, they can not tell me why the payments are converted, and they refuse to do make me whole on the finance charges I have paid. They cap their damages at {$50.00} and my losses ( direct and indirect ) are greater than that. 

In addition, when the payment is converted, I receive an e-mail saying the funds can be withdrawn from my account prior to the date I originally authorized. I believe this is a probable Regulation E violation, to pull money from a consumer 's account earlier than they authorize, but I can not find anyone at NFCU willing to listen to this concern much less act on it. I am willing to share these e-mails with XXXX and CFPB if that is helpful. 

Most of these issues are with XXXX, my complaint here regarding NFCU is that they are unwilling to meaningfully help with an issue that is directly attributable to a vendor they selected. I did not select XXXX, they did, and I'm not XXXX 's customer, NFCU is. In my only prior occasion where I had issue with a bill payment vendor my financial institution at the time handled it for me, they did not pass the buck to the outside vendor. 

NFCU is further unwilling to provide me with contact information for the XXXX XXXX, with whom I would like to share this story, including the possible Regulation E violations, in hopes that they could address them at a higher level with XXXX and failing success from that find another bill payment vendor for the XXXX XXXX 's membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I hope you will investigate and have actions to verified these accounts. I am still disputting some accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. These are the accounts that continuing reporting on my file : DEPTEDXXXX XXXX BalanceOwed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. DEPTEDXXXXXXXX XXXX Balance Owed : {$19000.00} - How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading. XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is undoubtedly classified as a charged-off account ; could you please explain why there is a balance. XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX Balance Owed : {$5300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removedXXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} - The number of late payments isincorrect. I never missed a payment. Please adjust immediately. DEPTEDXXXX  Balance Owed : {$23000.00} - Please take off the late things from this account because I think I made my payment on time. DEPTEDXXXX XXXX BalanceOwed : {$19000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$2400.00} - This charge off account is reported in violationof the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.

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 2022-04-20
Company: Chime Financial Inc
State: NC
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:
XXXX {$180.00} refuse to refund my money after these unauthorized XXXX transactions on my account. Very bad unfair deceptive business practices claim # XXXX 15 U.S. Code 1693g - Consumer liability 18 U.S. Code 1030 - Fraud and related activity in connection with computers 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM. 
XXXX. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER. 
26 U.S.C. 6402 - Authority to make credits or refunds 4-302. PAYOR BANK 's RESPONSIBILITY FOR LATE RETURN OF ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX loan # XXXX as XXXX days past due to XXXX, XXXX XXXX and Experian in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all XXXX credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant XXXX violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.

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