BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : 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 2023-07-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
today I check my navy federal account, it is still overdrawn. Not because I havent put any money in it but because the XXXX transfer I recieved takes XXXX days to post to my account ( they changed it from XXXX to XXXX today, I guess they need XXXX more days ) this XXXX transfer came from another navy federal account and not depositing it keeps me overdraft and they continue to charge me for this overdafts. Navy federal it seems can not move money from navy federal to navy federal without XXXX days and XXXX $ in overdraft fees. Ive pointed this out to them and they reply with information about oops accounts and checking lines of credit that I can apply for, I call them a theif and they retaliate with an advertisement. This is common with them now, I have lots of overdrafts and when you go back they all start with 1, XXXX  overdraft that is a bank error ( assuming it wasnt on purpose ) that XXXX error ( there were thousands in the account at the time ) added a penalty because my assumption that what I put in my account would in fact clear so when I purchased like It did it quickly spiraled out of control. I get charged for late payments by both sides so while my fees with navy federal have only been around XXXX the fees for returned checks or late car payments/rent have addd up to thousands. XXXX charges i found have been fraud I told them of the XXXX they investigate XXXX and send the money back and tell me they investigated and found it was indeed fraud, i told them yes but there were XXXX. The other fraudulent charges both had nsf fees because they were put through when there wasnt money, so XXXX charged me XXXX extra. So while they were able to investigate the first charge and find it legit the other XXXX are still under investigation, XXXX weeks later and I was told I would be credited for the fraud purchase but they only gave me XXXX of the credits, which lucky them has created more overdrafts. Its a ridiculous game that I am decided to be loser in no matter what. I search online for help and get nothing but sponsored links by nfcu, thanks big tech, write complaints everywhere possible with no avail, cant even find out who you report this kind of crime to all this takes up soo much of my time, I could get a second job with all the time I have to spend trying to get back money that I already earned. It effectively make me work twice as hard for the same pay lowering my low wages. They are operating my XXXX  account like a payday loan. Help me or tell me who can this is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I don't know who this company is, the calls & texts are annoying, I don't have any business dealings with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I constantly continue to request that all accounts and inquiries on my consumer report is incorrect and the result of identity theft but each time I submit a dispute they send me a letter literally the NEXT day saying they " verified '' it when I said the account was NEVER mine. I keep submitting the same dispute saying the same thing and they keep leaving it on there. I just want it all removed from the consumer reports. I am tired of being inconvenienced by other banks and being unable to open my own account because of someone else using my information to open fraudulent accounts and apply for things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 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 2020-08-20
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BRCLYSBANKDE with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ), also I was never 60 days late ( XX/XX/2018 ), lastly I was never 90 days late ( XX/XX/2018 )

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2018-11-02
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:
I previously contacted XXXX XXXX XXXX as well as Equifax to inquire on the late payments reflected and were told that the account would remain open and in good standing now that it has been paid but they couldn't lawfully suppress any particular portion of the actual payment history on my XXXX account including late payments, neither can they lawfully delete the tradeline altogether for your account. 
After receiving this, I noticed that a significant amount of late payments, 28 to be exact were added to the account that were not previously there. To add insult to injury, on exactly XX/XX/XXXX I received a notification from XXXX XXXX that an account on my credit profile was listed as " closed '' on my EQUIFAX credit report decreasing my credit score by 56 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: CT
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 place a complaint with XXXX and Equifax on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a XXXX negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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:
ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my Amazon Credit Card on time every month. At this point, I have a credit of {$92.00} that I never received. My credit card was closed. The customer service represented that I had XXXX checks that did not clear the bank. I had a checking account with XXXX XXXX that direct deposit to Amazon. I discontinued the direct deposit and paid Amazon directly. However, the XXXX XXXX account still was sending Amazon payments without any funds. In XXXX, I stopped the payments from XXXX XXXX. 
When I contacted XXXX XXXX XXXX XXXX, that stated that it was a mistake that the bill pay account was still being used. 

My account was never delinquent and I have a credit of {$92.00}.

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 explanation
Consumer complaint received 2022-07-23
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company contacted me about a balance owed on a car that was under my name that I did not own. Upon doing research I was contacted by an insurance company telling me about the totaled car that was in my name but insured for a totally different person. I found out that it was my ex who got a car in my name then crashed it months later. I got with a credit XXXX and they submitted things to all XXXX bureaus. XXXX is still the one that has yet to remove Truist from my report. The insurance paid everything but about {$2000.00}. And that is what im in delinquency over. Something I never even knew about. I had a credit score of about XXXX and now it sits below XXXX. I have great credit history and no bad remarks. This being on my credit is impacting me not being able to get a home. 

They keep calling me harassing me over this debt which I thought the credit repair guy that I paid handled. The insurance company didnt cover the full amount of the loan amount and that is what is left and what took my credit score down. Something I didnt even know about.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: TN
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:
N accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-07-23
Company: DISCOVER BANK
State: GA
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:
On XX/XX/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. 

I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. 

At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. 

Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. 

I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. 

I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX 

The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees.

Please look into this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 XXXXXXXX

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: LA
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 report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these account, that has damage my credit record. Please note these incident for future references.

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