BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I contacted 5/3 Bank two times by their Internet contact form instructing them to close my account. They refused to do so, stating I had to go to the branch. After the first time I was given this information, I responded back instructing them to close the account because I live in an area where people are non-compliant with masking, vaccination, or any other Covid mitigation. Talking to someone from my area in person or going into a small bank branch would be far riskier than being bitten by a rabid possum.

I then called the telephone number for customer service, and the person there repeated the same information by rote, even after I repeated my concerns that this was a death sentence for me and my family. The individual refused to respond about what would happen if I died ( presumably, unable to come into the branch ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am contacting you because I have found some information that is inaccurate on my credit report. I do not believe these accounts were ever paid late. 
I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are account -XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2. it also states a consumer reporting agency can not furnish a a account without my written instructions.

15 U, S. Code 1681a - Definitions ; rules of construction

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 2023-05-26
Company: EQUIFAX, INC.
State: KY
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
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:
XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!

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 2018-10-18
Company: NAVY FEDERAL CREDIT UNION
State: NM
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:
Over the course of six phone calls, I've attempted to amicably resolve the dispute with Navy Federal Credit Union. With continual requests for additional information, the requests not being provided in a timely manner, the situation culminated when XXXX with Navy Federal Credit Union security called me at approximate XXXXXXXX XXXX  on XX/XX/XXXX and threatened me with bodily harm and death. 

The initial charge for approximately {$450.00} was made in XXXX with XXXX XXXX, a political sign manufacturing company. After many jobs having gone wrong previously with the company, I requested a refund for one of the projects which had gone wrong. I disputed the charge with Navy Federal Credit Union and the company has taken an unacceptably lethargic approach to resolve the dispute. 

After many weeks of back and forth communication with Navy Federal Credit Union, I provided Navy Federal Credit Union with every possible shred of evidence that the XXXX XXXX company had provided signage that was delivered with unacceptable damage and quality control issues. Today, XX/XX/2018, I sent final documentation to Navy Federal that they've requested with information that I'd sent the merchandise back to the XXXX XXXX  company, as XXXX XXXX revoked online access to my online ordering account and refused to continue communicating with me by email. 

After sending the final requested documentation to Navy Federal Credit Union, I provided final warning that if I could not solve this amicably, I would be forced to pursue this matter in small claims court. It was later that evening that I received a threatening phone call from XXXX on the security team. I'll have to file a police report, as Navy Federal has access to personally identifiable information that would endanger my family if XXXX followed through on his threat of bodily harm and death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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:
XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) AccountXXXX 15 USC 1292J XX/XX/XXXX {$210.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) 15 USC 1292J XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes.

Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Morgan & Associates, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( Morgan and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in XXXX XXXX nor provided the XXXX XXXX MO Court System a release of debt. I am in danger of losing this mortgage due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on XX/XX/2023.

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 2023-05-26
Company: EQUIFAX, INC.
State: GA
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 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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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: Information belongs to someone else

Complaint:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
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:
Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.

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 2018-08-30
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted " XXXX '' to initiate service in my new apartment was told I have an outstanding debt that I'm not obligated to pay due to the debt being over 5 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-30
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare failed to pay my property taxes as promised by their representatives. Now, I am charged with delinquent fees and the original property taxes. The representatives promised that Loancare will assist me with paying all of the property taxes, secured and supplemental taxes. The representatives promised that Loancare will use my escrow account to pay the taxes as long as I submitted the tax bills using their online portal before the due date. Loancare committed to pay all delinquent fees if they do not pay the tax bills on time. 

I sent in my tax bills using their online portal on XX/XX/2023. The due date was XX/XX/2023. I even received a confirmation email confirming they have received my tax bills. I did everything the representatives told me to do. 

On XX/XX/2023, I saw that my tax bills were not paid and I was charged delinquent fees. I spent over 42 minutes on the phone with Loancare. I was bounced around between at least 3 representatives before the last one finally made an escalation ticket. All of them repeatedly denied the commitments to pay for all submitted taxes and delinquent fees. 

I have till XX/XX/2023 to submit the supplemental taxes and delinquent fees Loancare failed to pay for me. I am requesting assistance from CFPB to enforce the commitments made by Loancare. 

They violated their financial commitments to 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 2023-05-26
Company: EQUIFAX, INC.
State: NC
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:
I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: VA
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 have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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