BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
Paid Collection of {$350.00} to 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 2018-05-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX/XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2023-01-26
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: Was not notified of investigation status or results

Complaint:
I reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from Law Offices of XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the MAX amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account 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 non-monetary relief
Consumer complaint received 2020-07-27
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
An SMS sender identifying themselves as " Medical Business Bureau, a debt collector '' continues to send unsolicited SMS messages, betraying the nature of an alleged debt to third parties, and after having received a written cessation order. 

Sender first sent an SMS from ( XXXX ) XXXX, on Wednesday, XX/XX/2020, XXXXCDT reading : > This message is from Medical Business Bureau , a debt collector. Please call us at ( XXXX ) XXXX. If you wish to not receive text messages from us in the future please respond STOP. 

I replied promptly with " STOP '' as instructed in the message, which generated an acknowledgement : > You have successfully been unsubscribed. You will not receive any more messages from this number. Reply START to resubscribe. 

Subsequently, I, received multiple messages from ( XXXX ) XXXX, and ( XXXX ) XXXX with the same contents as the original message in violation of FDCPA, FTC, and FCC. Sender negligently made no attempt at hiding the message from third parties, betraying privacy guaranteed by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Genesis FS Card Services, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a per XXXX with my XXXX Genesis credit card in XX/XX/2022 and was told I would have 0 % interest for 12 months. I had to pay a certain 20 % percentage down to qualify for the 0 % interest. My interest rate was incorrect and I paid interest in multiple payments. 

They randomly credited my account in full and rebilled as separate charges on different dates for different amounts and my monthly payment tripled. My original purchase amount was for {$3600.00}. I paid {$720.00} and put the remaining balance on the credit card of {$2800.00}. 

They since have credited and rebilled my card multiple times without my knowledge and my monthly payment has tripled. These are all udaap violations. 

I called and was hung up on when questioning my account and attempted to call back 4 more times and the call disconnected each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
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:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

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 2022-04-18
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX XXXX I started the process with Freedom Mortgage for a cash out loan. Over the course of the next two months I was directed to provide documents. After each request I complied within 48 hours with the only exception is the termite inspection ( {$470.00} ) and appraisal ( {$300.00} ). On XXXX XXXX I was told my account was rejected as incomplete even though it was recognized that all documents were submitted in time. I would like compensation for costs incurred during this process that ended by no fault of my own.

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 2022-04-18
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 602 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: AL
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:
To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX Bank account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation.

Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
XXXX. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
XXXX. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX  account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX XXXX XXXXXXXX is not XXXX XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.

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 2018-05-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Chase XXXX XXXX credit card in XX/XX/2018. The benefits included in the offer for this card are that the {$95.00} annual fee is waived for the first year, and users can earn XXXX additional rewards points if they spend {$4000.00} within the first three months of their card usage. I noticed yesterday that I was charged the {$95.00} annual fee  despite Chase 's advertising that it would be waived, and called customer service today in order to get this refunded as it seems to have been applied in error. I was told by customer service that my offer does not, in fact, include the {$95.00} waiver. I've been given no information as to why this aspect of the offer could have been revoked, as it's still advertised as part of the card membership on the Chase website without any conditions or limitations, as you can see in the screenshots below. I signed up with the offer link that included the {$95.00} waiver and Chase is not willing to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
When I opened my account at Wells Fargo I placed a good amount of money in my account. I would use my debit card as well as keep my account in good standing yet Everytime I look into my account they are over charging me as well as over drafting my account. Eventually they closed my account. Inn multiple accounts I tried to resolve this issue but I kept getting Im hung up on.

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 2022-04-18
Company: EQUIFAX, 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:
Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I obtained a credit card from XXXX XXXX ( acct. no. : XXXX XXXX XXXX XXXX ) with a credit limit of {$6000.00} in XX/XX/XXXX. I also added my husband as an " authorized user '' in an attempt of assisting him in establishing credit sometime in XX/XX/XXXX. In turn, Navy Federal insisted that I made him a " joint owner, '' and he or I never signed any agreements stating such, nor did I ever receive the requested agreement. After requesting the original signature for the agreement adding him as an " authorized user '' was made over the phone! Fast forward THREE card renewals later, I was informed by Navy Federal that they were not sending me a renewal card for my usage because, upon reviewing my account, they decided not to send a renewal card because " I was too close to the credit limit. '' Being close to the credit limit was not a problem before when I would pay the balance down more than 60 % of the balance the following month. Although I did not understand their reasoning for not sending me a new credit card, I continued to pay for the debt I had incurred. Once my husband decided to file bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), he included the Navy Federal " green credit card '' in his bankruptcy since Navy Federal also declared him financially responsible for repayment and removed from HIS credit file but remained on the mobile app and notification of payments due. With my husband filing bankruptcy for this credit card, why am I continuing to make monthly payments and Navy Federal restructuring my loan by readjusting the interest without any notification and making my payments higher?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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 was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through XXXX XXXX Mail, Tracking # XXXX. 

This information was also uploaded online through Experian Dispute portal. I have spoken to several Experian XXXX XXXX members as well. I also pay Experian membership for credit monitoring $ XXXX. Experian Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian XXXX XXXX nor the XXXX Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by Experian, other credit agencies such as XXXX and XXXX is also reporting this fraudulent inaccurate information. XXXX and XXXX has confirmed that they are reporting as for the information provided by Experian. 

I am in the process of refinancing my house, due to Experian reporting inaccurate information which is a result of identity theft I was denied the mortgage.

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