BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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:
I have contacted Equifax over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution.

Furthermore, regarding XXXX XXXX, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX insurance and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX  waived all of them. I sent XXXX XXXX via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment.

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. XXXX XXXX does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care.

Lastly, I sent this XXXX XXXX   collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth.

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling XXXX XXXX a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access.

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage.

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2023-02-11
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:
I took out a personal loan from XXXX XXXX XXXXXXXX i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service rep. she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency

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 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2022-10-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
someone hack my checking account and transfer money by XXXX and also requested a balance transfer and did online shopping. Even my phone number, Driving license, and email address hack. I try to contact the bank and they are investigating all my case files and changing my account and debit card but still, I am in danger of an information hack. I like help from you guys to avoid hacking my information further.

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 2022-02-04
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:
I had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}

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 2015-12-18
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2015, I received a letter in the mail telling me that I could apply for mortgage relief in the form of a modification to reduce my monthly mortgage payment. At that I was current on my mortgage but I was struggling to make the payment as I have XXXX children at home and my husbands income had been reducing steadily. I called the number on the card because it stated that it was part of the XXXX program and I thought it would be a legitimate program. The letter also had the HARP logo on it. When I called the number it was a group called XXXX XXXX XXXX. They had me talk with XXXX XXXX. They gave me a case ID # XXXX. She told me to stop paying my mortgage to be able to show a financial hardship. She also told me to keep very little money in the bank. Over the course of the last eleven months I have sent many documents, some of them over and over again. I have had many difficulties gettin in touch with them to ask questions. I recieved a certified letter from my lender stating I was in forclosure. XXXX told me not to worry about that. It was a norml part of of the process. In XXXX of 2015 XXXX notified me that my lender would not participate and the offered a forbearance plan of {$2700.00} over twelve months in order to become current. My husband lost his job in XXXX so the forbearance plan was completely unreasonable for us. I was speaking with a representative of XXXX and told her about my husbands lack of employment and she said we could start the process over with the new circumstances. Shortly after that conversation I received a notice to appear in Mortgage court. I appeared on XXXX XXXX and was told that Nationstar Mortgage was proceeding with the foreclosure. The attorney hired to represent Nationstar Mortgage was very upset with our situation. He told me we were taken advantage of and scammed. He told me to take this to my state representitive. I paid XXXX over thee thousand dollars, adheared to eveything they required and ask of me. Now I am faced with bad credit, and trying to find a home for my husband, myself and my XXXX minor children. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continue to receive calls from XXXX XXXX Holdings excessively and on a business phone number which I can not receive any personal calls. The representative claims that I owe a payday loan debt and when I ask for more information they dont not provide any. The representative uses abusive language and yells over the phone demanding payment and accusing me. I do not recall ever taking a loan from Check and Go and contacted Check and Go and they do not have any records with my name or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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:
Complaint # XXXX Equifax Responded back to XXXX saying account ( XXXX XXXX, amount {$4400.00} ) is no longer reporting to my credit report. After investigating the account wasn't removed and still reporting, theyre violating my FCRA rights and law. 
I request to this account be removed from my credit immediately. 
There has not being any response, notification, letter or phone call to correct this from Equifax. 

Account was disputed with Equifax on XX/XX/2022, no responsefor more than 30days. By FCRA laws they need to deleted from credit report. They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
CAPITAL ONE Last reported XX/XX/2023 {$470.00} Reported balance Credit limit {$300.00} You're using 158 % of your account 's limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.

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 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Navy Federal Credit Union ( NFCU ) has offered a misleading and deceptively marketed Visa Platinum credit card. 

The promotional offer for this product lists terms that drew me to apply to the product. I have excellent credit. Additionally, I have other lending products with NFCU with large lines of credit. 

I applied to a card with a promotional offer of 0.99 % APY with {$0.00} balance transfer fee. Upon asking NFCU for a $ XXXX credit limit, rather than contacting me before approving the application to inform the product wont meet my needs, they simply opened the account at an insultingly low credit limit based on my qualifications and existing lines of credit. When asked several times NFCU refused to provide sufficient explanation. Only that I may apply for a credit limit increase in 3-6 months. This period of time would occur after the promotional period ends, and would lock me into extremely high interest. 

Im a service-connected XXXX veteran, which is a demographic particularly targeted by NFCU. Ive also banked with them since XXXX. 

I believe that this credit product is a deceptive practice to lock customers into high interest balance transfer situations. I will be gradually ending my banking relationship with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact XXXX get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Target Credit Card Application and XXXX Concerns Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding Target 's credit card application process and its implications for individuals with XXXX. I recently applied for a Target credit card and was subsequently instructed to upload certain documents to their website. However, I encountered several issues that I believe are discriminatory and violate the Americans with XXXX Act ( AXXXXA ). 
First and foremost, Target 's requirement for uploading documents online creates barriers for individuals who may not have access to the special equipment or the ability to scan and upload documents. This requirement effectively excludes a significant portion of the population from accessing the Target credit card, which is a violation of the AXXXXA 's mandate of equal access. 
Secondly, Target 's privacy policy regarding submitted information raises concerns about the potential misuse of personal data. The policy states that " All information submitted to us via the Services shall be deemed and remain the property of ours. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a user of the Service provides us through the Service. '' This broad and vague language suggests that Target may use submitted information for purposes beyond those necessary to process credit card applications, potentially violating individuals ' privacy rights. 
Finally, when I contacted Target to request reasonable accommodations for my inability to upload documents online, I was met with an insensitive and dismissive response. A customer service representative informed me that Target considers individuals ' XXXX that preclude certain tasks as a personal choice, a statement that is not only insensitive but also contradicts the AXXXXA 's clear provisions. 
I urge the Consumer Financial Protection Bureau to investigate XXXX 's credit card application process and ensure that it complies with the AXXXXA. Individuals with XXXX should not be denied access to credit cards or subjected to discriminatory practices due to their limitations. I believe that Target 's current policies and practices are unacceptable and require immediate attention. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation