BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Navy Federal Credit Union reported XXXX late payments to the credit bureaus which is not accurate and instead of reporting payments as current, they provided me XXXX letters confirming the dates of our deferred payment plans and assigned me, the consumer, the responsibility of making the dispute to the credit bureaus for their violation of reporting accurate account information. 

I used these letters end of XX/XX/2022 to dispute the late payments that were inaccurately being reported to the credit bureaus via XXXX XXXX and certified mail. I have evidence that shows that XXXX had brought the account to current and then immediately reposted the same inaccuracies XXXX week later, and adding another inaccurate reporting of an increase of the balance, bringing my XXXX XXXX down XXXX points. 

Being that a compromised credit report and low XXXX XXXX can also compromise living qualifications such as housing, transportation, and more, this deliberate neglect and malpractice is costing more than {$1000.00} per violation. I am building this record of malpractice to the government agency 's records of the misuse of my credit reports. 

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union and XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have enclosed in the attachments, the previous dispute through Consumer Finance, as well as the screenshots through XXXX XXXX 's current XXXX credit report of the Navy Federal Credit Union account to support my claims, as well as the current balance through Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi there, I recently was issued a refund of {$250.00} to a debit card that isnt active anymore due to the account being closed. I called the PNC Bank and they would not tell me if the money was sent to them. They also kept saying that when the money is refunded to a closed account they would send it back to the issuer. They never sent it back to the issuer. I contacted the issuer and they confirmed that it was sent to the inactive debit card. The bank will not help me at this point and is giving me the run around about where my money had gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: NV
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:
After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and credit

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 2023-10-11
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company ( Westlake Fin Services ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.

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 2023-02-27
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: Investigation took more than 30 days

Complaint:
Experian has Minipulated the system I use to be able to call in and speak to a rep HOWEVER when I type in my social security number I loose the options as well Experian has failed in there procedures and responses to me going on 5 months now I filed a criminal complaint as well they fail to update me email to XXXXXXXX XXXX XXXX XXXX  EXperian has received demands for removal of all errors regestered mail there blunt disreguard of the law has caused a criminal complaint against XXXX and as well fraudulently keeping cases etc pending damaging my credit worthy 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 2019-12-13
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 have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, XXXX I certified mailed with return receipt, 3 dispu

tes to 3 credit reporting agencies . I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies. I was never notified via mail or email that my disputes were seen or heard. This carelessness in reporting has ruined my credit score and reputation. one of the accounts they have in " collections '' is open and I am actively paying on!!!! Please help me uphold these companies to the standards they have set!! I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Caine & Weiner XX/XX/2021 {$3100.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and Florida Attorney General 's Office.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida State of Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The below list a a minor list of all these calls, I have contacted them and even. blocked their number but they circumvent this by attempting toes a XXXX area code masked by their real number. This is blatant harassment and myth next step is to see legal representation. 


Name Number When Actions CREDENCE XXXX Today, XXXX XXXX CREDENCE XXXX Today, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX. 
CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As a consumer I have a right to an accurate credit file. The inconsistencies on my credit file dealing with this account are unacceptable and are obvious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted XXXX and Equifax regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile XXXX and Equifax have done nothing. This is adversely affecting me and I want this incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NY
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my prepaid Chime checking accounts was charged {$430.00} and on the same day my prepaid credit builder was also charged XXXX charges of {$430.00} ( {$870.00} ) There was XXXX in both accounts and my spot me was not on. I have {$210.00} in my savings on Chime. These charges were made from the quality inn where I have stayed for XXXX yrs. I pay $ XXXX every Thursday. These charges appeared on a Monday. I called the manager their system showed no charges just the last one made on on XXXX for {$430.00}. I called XXXX XXXX about it -no charges appear. Obviously the manager can see the charges came from XXXX XXXX on my chime account. He tells me XXXX other guests have the same problem. Their system was XXXXacked.I filed a dispute with Chime they denied it saying they are regular charges the see on my card and that I had my card on me! Well of course I had my card-the hotel was hacked I did not load my card!!! They did not investigate, never called the hotel to follow up. The hotel manager has called several times only to be left on hold for hours only to be hung up on. I made a police report, and still nothing. The hotel says the other guests have been refunded on their cards! My thing is hacked or not how does chime allow charges to come thru with no $ in the account? I could not over draw 1 penny!!! 
I need my account fixed I have {$210.00} dollars I can not get because you have to transfer to you checking to get it out!! I need help. It has been a month. And nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I submitted verifiable documents to Equifax showing the company by the name of XXXX XXXX was included in my bankruptcy petition confirming plan on XX/XX/XXXX ; which the first dispute is in the file you maintain under my social security number. I attempted to contact them directly to requested that they cease and desist any and all collection activities knowingly of bankruptcy law ; including reporting of this account on my credit reports. 
I was informed between XX/XX/XXXX and XX/XX/XXXX, that the account status closed and the account was resolved by data furnisher. Also, an Equifax credit file confirmation # XXXX Now, I have discovered that the item has been reinserted on my credit report again, as of XX/XX/XXXX, with account status as open and seven ( 7 ) consecutively missed payments appearing on my Equifax credit report. This has made a tremendous impact on my score. Again, I will attach verifiable documents and have the right to take legal action due to : 2. Their reporting is INACCURATE and with INCONSISTENCY. They reported my last payment as of XX/XX/XXXX ; yet, reported ( 7 ) missed payments starting XX/XX/XXXX. INACCURATE CALCULATION. Due to the fact, IF my last payment was XX/XX/XXXX up to todays date XX/XX/XXXX ; it will be 14 missed payments starting from XX/XX/XXXX. INACCURATE AND INCONSISTENT. 

XXXX XXXX is/has reported inaccurate information and Equifax did not properly investigate from the last documentation that was sent. An account included in bankruptcy can not be reopened or any account activity reported direct to credit reports outside bankruptcy laws. 
Equifax, in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted and closed material ( ii ) Notice to consumer If any information that has been hereby deleted or closed from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for the purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with non-monetary relief