BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello! My situation is unique, and your options don't coincide with what's going on. So, I will explain it below. 

I applied for a personal loan on XX/XX/23 on Navy Federal Credit Union 's website. I keep my credit reports frozen, so I lifted the freeze just to apply for this loan. I asked for $ XXXX, but was counteroffered $ XXXX on XX/XX/23 online. 

Before declining their offer, I decided that I wanted to apply for an auto loan instead to pay off my XXXX XXXX XXXX. So, I emailed XXXX XXXX on XX/XX/23 asking if I did this, would they be pulling my credit again because I didn't want them to. They responded with a vague answer that it was up to the discretion of their lending department but they couldn't guarantee that they wouldn't pull it again. At this point, my credit reports were frozen again. 

So, I declined their personal loan offer on XX/XX/23 & went ahead and applied for the auto loan. Again, I emailed them asking them whether or not they'd have to pull my credit when they just did so on XX/XX/23. The response I got today, XX/XX/23, was the same vague one they sent me before. Then, they said I could call customer service and follow the prompts to the lending department after I asked for a lending manager to call me. 

So, I called XXXX at XXXX XXXX & eventually spoke to XXXX once their automated system called me back. They had a lot of customers ahead of me. I explained the situation to XXXX & he said that he didn't understand why customer service didn't just explain that the first report they pulled on XX/XX/23 was for a non-collateral personal loan. The report they tried to pull yesterday from the same credit reporting agency ( XXXX ) was for a collateral loan, and it's just their policy to pull it again. It doesn't make sense, but that's their policy. 

When I emailed them earlier today, I emailed my credit score along with proof that they already pulled my credit 3 days ago. My credit hasn't changed in 3 days & the vague email response just keeps stating that it's up to " their discretion '' whether or not they will use my XX/XX/23 credit report. If it's up to their discretion, then they are saying that they have the ability to use the report that they already have in their possession to make their decision on my auto loan application if they choose to. Them trying to pull it again yesterday would've caused me to lose more points from my score had my report not been frozen, and that's not okay with me. 

When I asked to speak to a manager earlier today, I wasn't given that opportunity. I'd like to apply for this loan with them, but I will go to XXXX, if necessary. This policy is illogical & doesn't seem to protect the customer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
Due to the nature of inaccurate credit reporting and the mistreatment of credit reporting rules and compliance, I, XXXX, XXXX, the authorized representative for XXXX XXXX, have been subjected to unfair treatment. These are numerous legal infractions as well as defamations of my reputation and character. RATIONALE : I NEVER GAVE ANY PERMISSIBLE OR AUTHORIZED USE OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I REFUSE TO BE AN IMPLIED SURETY/DEBTOR. 
These are few of many violations done on my good name ; which breaks the law. 
These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts.

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 2023-06-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is a continuation of EXPERIAN COMPLAINT # XXXX and XXXX COMPLAINT XXXX XXXX regarding BLOCKING OF IDENTITY THEFT ACCTS. On XX/XX/XXXX EXPERIAN SENT ME THE FOLLOWING MESSAGE : ... '' However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years ''. I HAVE ATTEMPTED TO UPLOAD THE ABOVE REFERENCED ITEMS MANY TIMES ONLY TO BE REJECTED BY THEIR SYSTEM. I SENT ALL OF THE ITEMS VIA MAIL- THEY HAVE NOT BEEN ACKNOWLEDGED AS RECEIVED. ATTACHED ARE ALL OF THE REQUESTED DOCS FOR BLOCKING OF IDENTITY THEFT ACCOUNTS.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Recently, my Bank of America checking account was shut down due to fraud by my bank for a bounced check. The details of this bounced check which I had no idea it was being deposited into my account caused my account to get closed. I have been trying to get in contact with support for fraud from the bank but I am just stuck waiting for a representative that never ends up come up talking 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 monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ).

I paid as soon as I am notified about the pending bill working with hospital ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments.

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc.

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason.

Attached lots of information. Still, I can provide necessary information, if you need any.

Please help to get my desired score honoring my history.!!!

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 2023-07-24
Company: Block, Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Cash app card was stolen. I filed a dispute with Cashapp and it was denied because the card was present. OF COURSE IT WAS... IT WAS STOLEN. 

XX/XX/XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
US Auto sales went out of business back in XXXX of this year XXXX an now a debt collector called westlake portfolio management are calling me telling me that Im behind on my payments an that if I dont pay they are going to reposes my car..Ive paid over {$3000.00} for my car an Ive had my car for a year an Ive never been late on my payments I got my car XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX : Account number : 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 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a small business account with Capital One Bank. I opened it online and previously had access to online bill pay. I do not need it that often, but it is important. I tried to find it again yesterday. but do not have it on my account. I called Capital One this XXXX ( XX/XX/23 ) to inquire as the info online for small business accounts states I should have access. I called the main contact number. I spoke with someone ( who sounded like she was in the US ) who could not even pull up my account info. She said since I opened the account online, I needed to call a different number which she transferred me to ( non-US call center ). My issue on this is not that it's not a US-based call center, but that there are 2 classes of account holders. I was told by the other rep that my account does not have online bill pay as a feature. I can change by going into a branch, but it would create a new account number which is a hassle. The closest branch is XXXX min away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, my partner at the time opened a line of credit with XXXX  XXXX XXXX. He added me to the account, because his own credit was not sufficient to open the account on his own. In XXXX, we ended our relationship, but I was never removed from the line of credit. In XXXX, he made a late payment. When I noticed that it was impacting my credit score, I filed a dispute through Experian and was told that it could not be removed from my report. I contacted XXXX  XXXX XXXX and asked to be removed from the line of credit, but because my ex-partner was the primary account holder, they said that removal of my name of the account had to be done by him. I have contacted him several time to have my name removed from the account, and he has not done so. I would like my name off of the account and the late payment removed from my credit report and am unsure how to go about ensuring this happens.

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the XXXX XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XX/XX/2022

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 2023-08-13
Company: EQUIFAX, 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 Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
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:
Isn't it tiring for the Credit Bureaus to receive letters having the same requests? Because for me, I have alraedy reached the peak of my patience and I am on my way to pursue legal action against the Credit Bureaus. I am submiting this countless complaint addressed to the Credit Bureaus to tell them 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 the fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$760.00} XXXX  XXXX Balance {$0.00}

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 2023-07-27
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Receivable Management reported to all three bureaus back in XX/XX/XXXX, I reached to them and sent a debt validation letter and no response. They started calling again and told them the debt was paid and to remove their reporting. Beginning XX/XX/XXXX they start calling again, I sent another debt validation letter and waiting for a response. I have attached the letter to this email.

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 2023-06-08
Company: EQUIFAX, INC.
State: NY
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief