BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
State: FL
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:
Todays Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wish to update my account information on all 3 credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all 3 reports with my only name. Now i am notifying online with my current information that includes new phone line and email address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no idea what these are I not aware I never received anything letter me know about these charges

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 2023-07-31
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sold a $ XXXX truck to an individual for $ XXXX because he need assistance. He wrote me a check from First Citizens Bank. I went to cash the check and after 30 minutes of due diligence, calling the owner of the checking account, verifying why the check was written and other banking review the manager XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX refused to honor the check. He said that was his policy at the branch and when I asked to see the written policy, he said " NO ''. In other words he can discriminate against any individual he deems not worthy. The funds were in the account, everything was verified ; however, XXXX XXXX did not like me and was not going to assist in this transaction. He stated the owner must come into the branch. I told him he is working 8-5 and does not have time and I am leaving for Arizona the next morning. I further stated he can verify me XXXX XXXX XXXX, XXXX, XXXX, XXXX by the internet. This is discrimination giving him ( branch manager ) the ability to discriminate against race, religion, anything he wants without justification. He almost cost this client a vehicle. I am very affluent and can afford selling a vehicle at a loss ; however, this person could not afford losing this vehicle. He could see that I am a well established financial professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: VA
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 refinanced my home mortgage with XXXX XXXX XXXX in XX/XX/XXXX. Within a couple of weeks of closing I received a notice from XXXX XXXX informing me that my loan was sold to XXXX XXXX and that my first payment and all subsequent payments would go to XXXX. Ive proceeded to send monthly payments to XXXX ever since. ( please see attached XXXX   mortgage payment history ) When I applied to XXXX XXXX   XXXX in XXXX, XXXX, I was surprised to discover there was a late payment on my credit report from XXXX XXXX for XX/XX/XXXX. Based on the information stated above this was obviously an error. It was not possible to have a late payment to XXXX XXXX   since, per their instructions, I was not required to make any payment to them since my loan was transferred to XXXX in XXXX, XXXX. 

I called XXXX XXXX  and requested a correction of this error. They agreed and forwarded to me a copy of the letter they submitted to the credit bureaus. Unfortunately the date they reported in their letter dated XX/XX/XXXX ( attached ) was not correct. They requested removal of a late payment for XX/XX/XXXX instead of the actual reported late payment of XXXX, XXXX on the credit report. When I brought this to their attention they were sorry for the confusion and said they would make the correction and instruct the credit bureaus to remove this error from my credit report. The new letter they sent to correct the error in XXXX ( attached ) inexplicably triggered one of the bureaus ( Equifax ) to add, rather than delete, two late payments for XX/XX/XXXX and XX/XX/XXXX, that are now showing up as two new late payments on my credit report which makes no sense since my mortgage account with XXXX XXXX has been closed for well over a year. XXXX  and XXXX detected this obvious error and, according to XXXX XXXX credit servicing bureau Factual Data only Equifax has still not corrected the error. On XX/XX/XXXX I called Equifax and spoke with a supervisor who told me that this erroneous derogatory had already been deleted ( Equifax Customer Service ticket # XXXX ). Despite every effort to get this issue resolved over the past two+ months it appears this has still not been corrected. I feel Ive exhausted every possible avenue to get this corrected and will keep trying to resolve with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts are erroneously being reported as late payments on my credit report, even though I have consistently been a responsible and long-standing customer with a history of on-time 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Agent XXXX at titlemax did not read the disclosure about how the contract works. The Federal Truth In Lending Disclosure to be exact. Agent XXXX did not explain how the Finance charge process operates. The amount financed states the amount of credit provided to me because I am the one who extended the credit. Titlemax has violated the Truth In Lending Act Disclosure per United States code 15 1605 " Determination of finance charge '' additionally 18 U.S Code 1341 " Frauds and swindles ", 18 U.S.Code Chapter 47 " Fraud and False Statements, U.S.code 15 45 ( a ) " Unfair methods of competition unlawful '', 15 U.S.code 52 " Dissemination of false advertisements '', 12 U.S.code 1431 " powers and duties of banks ( But I am listed as the " Borrower '' which is false because the code states only the banks can borrow ) 1, 15 U.S.code 1611 " criminal liability for willful and knowing violation '', and title max is fined XXXX XXXX by Consumer Financial Protection Bureau XXXX  for " PREDATORY LENDING PRACTICES '' in Georgia, in which I abode.d.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Netspend Corporation
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 {$870.00} Was taken out of my account not by 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 2023-08-25
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-10-06
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
My loan was put into forbearance for reasons unknown and I can not figure out why or get out of it. I already enrolled in a payment plan and autodebit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for NAVYU FCU. 
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Applied for car said was going to run XXXX and ran all these inquiries 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 2019-04-10
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Nationstar/Mr. Cooper finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE NATIONSTAR/MR. COOPER HAS RUINED MY CREDIT. I was told that there is a derogatory report from Mr. Cooper on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my SiGNATURE on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

Account Number XXXX Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following are inquries XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2023-08-27
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit 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:
Charge was made XX/XX/2022 ( think it was the XXXX ) went 2-3 months with company refusing to respond or communicate on given number filed a complaint and wrote a review in which they responded with threats and false claims of slander/defamation and said it was a technical issue withdrew complaint giving them benefit of situation then went two months with same issue never harassed or threatened and no response on the line they gave Sent all emails and texts with company can provide again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2022-01-09
Company: Possible Financial Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Possible finance does not have a phone number to contact. When you call the number listed it says this number is not working. I have tried contacting them via email as it says contact us on the site. They dont respond. In fact Ive emailed them XXXX times now. Last message the lady stated she could update my bank account because their system will not allow me. She updated the account and still didnt let me submit a payment. They havent responded again even though Ive shown the error and asked them to submit full pay off through the new account listed. Everytime I submit a new contact request the same lady grabs it and closes it. Now they fraudulently repost two late payments on my credit yet their system wont allow me to submit a payment and they dont respond! Instead they advised me they can report it late and block me from making a payment further damaging my credit this is abuse. They dont allow payment submission purposely and their agent wont respond and wont allow me to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed via the internet to deposit checks from several individuals into my bank account at XXXX XXXX XXXX XXXX XXXX, send half of the deposited amount via PayPal, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on PayPal : XXXX XXXX - XXXX euros XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} Xubing XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN. 

I filed a report with PayPal as well as with my bank. PayPal said they would work with my bank but XXXX XXXX XXXX XXXX XXXX is saying there is nothing they can do.

Company response to consumer: Closed with explanation