BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-11-09
Company: Denefits LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I receive many texts messages stating that they are going to take legal action against me and when I responded was told I am XXXX and have XXXX XXXX. I have never received anything by mail and I don't belive the amount they are charging me is correct. Also told them I was at a funeral but he continued to text me, my boyfriend ended up actually calling him to tell him he was being unprofessional in which the guy started to say obscene things to him as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, XXXX and TransUnion are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up 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 accounts 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 XXXX XXXX XXXX. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX  CA XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive written multiple letters to the credit bureaus ( XXXX, TRANSUNION, XXXX ) pleading with them to be removed. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Since then I received a copy of my credit report on XX/XX/23 and found TRANSUNION, XXXX and XXXX Still have FAILED to do so. I've contacted the credit bureaus about this and still no respond. I have submitted F.T.C Police report STILL no response. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. 

Sincerely yours, 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 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have a long standing account with CapitalOne. I paid of balance in full and was unaware it would be closed due to inactivity without opportunity to reopen. I am interested in keeping and using account and should have been better notified of closing. Logging in online periodically ; the website gave the impression everything was ok. PDF 's of statements online do not indicate any issues. Even showing XXXX balance and credit line of $ XXXX and points to use. 

I just received email my account is closed and have a deadline to use rewards. I feel the website should have notified me about account status online so I could take prompt corrective action and resolve account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage is completely ignoring my email requests to start the process of removing the PMI on my mortgage. I am eligible to remove the PMI since the XX/XX/2018. I have submitted countless emails to them, they are completely ignoring every aimgle one of them. I need your help, please help.

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 2022-11-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I got an alert showing a XXXX late payment on my credit report in XXXX of 2022 from XXXX. 

When I first signed up for this account they were not reporting to the credit bureaus and as a matter of fact, that was one of the leading factors behind my using the company to make a purchase. This is my first time ever using XXXX. 

After I got the account they started reporting to the credit bureaus, and they didn't give consumers an option to opt out. I already felt that was a violation because it changed the age of my credit report and my utilization. It also reports as a consumer finance account and that carries a negative indicator on credit reports. Lastly, it's a short-payment account and upon paying off the loan I also took another hit from the account closing. 

On top of that, my truth in lending disclosure shows a different payment date from the one that they claim is the date they based the late payment on which can create confusion. 

I called the company and requested a removal of the late payment. A supervisor told me he would put in the request and I should hear back in XXXX business days, but almost immediately after I got off the phone I got an emailed response that seemed automated saying they would not remove the reporting. I sent back a lengthy email stating my cause and have not gotten a reply back form the company. I was originally told I would hear back by XX/XX/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 2020-06-23
Company: Auto Trakk, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Debt is XX/XX/2014 {$13000.00} auto loan AutoTrakk the debt truly is between XXXX XXXX and auto trakk. Neither company communicated to one another about the debt. Leaving the debt continued late payments to leave me credit reputation and payment history damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We opened an account ( Spending account ) with Ally after receiving a promotional offer. The promotion specified opening an account, funding with {$1500.00} or more and the account owner would receive {$200.00} in 30 days. I've fulfilled the promotion but there has been no promotion credit. Upon contacting Ally customer support and speaking with various supervisors in the past XXXX weeks, I was told the back office would honor the promotion. Yet, there is no time frame and there has not been any credit in my account as of today. I would like Ally to honor the promotion and deposit the promised bonus in my account so we can move on. I have screenshots of the promotional code as well as the application attached to this complaint. 

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 monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent Experian a certified letter disputing the following inquiries, but still no feedback 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
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:
REF : XXXX  ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 
They have violated my rights as a consumer by not providing the XXXX disclosures by law or offering me to opt out of credit reporting. 

I have recently come across information from the Federal Trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT-OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX did not disclose this information to me which is required by federal law. XXXX knowingly and willfully withheld pertinent information regarding disclosing my information to affiliated and unaffiliated third parties. Macys knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 
You violate several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. 

I want this account deleted immediately

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 2023-03-01
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
When I went to get a car loan I was told that I had a CITIBANK VISA account that had been opened and used in my name. I have not opened a BEST BUY VISA in my name at any time. I froze my credit report and have filed an identity theft report with the federal trade commission. I have received response from XXXX, XXXX, and XXXX. The only one I have had a problem with is XXXX  and Best Buy Visa or Citibank itself. They state they have verified the information and therefore they found it to be correct. I have not ever been contacted to verify these charges. The account is not even mine nor have I even known it existed. XXXX  and CITIBANK VISA have now sent this account to a collections 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 2018-08-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a loyal customer of Navy Federal Credit Union, I've been with this company for almost 20 years. On the evening of XX/XX/2018 I received a call from a XXXX XXXX XXXX, XXXX. An agent says his name is XXXX XXXX Employee number : XXXX called me from a series of numbers, his first number was ( XXXX ) XXXX and ( XXXX  ) XXXX. That evening i gave the XXXX  technician authentication to upgrade my malware on my XXXX. I later discovered that he was able to get into my bank account and transferred a balance of {$10000.00} from my credit card. I later asked the bank how can someone be able to transfer that large of a sum without myself being called or my account being frozen. I spoke with a bank claims manager who was very disrespectful and condescending, I honestly don't feel safe with my money in their hands after this situation and quite frankly I don't know how can they allow this sort of cash advance without some sort of authentication? I asked to speak to numerous managers regarding my claim all trying to interrogate me like i'm a criminal or something. I've been banking with this bank for almost 2 decades, I have outstanding credit so this situation have been really disheartening that they are trying to disclaim my claim. They said that they do not cover hacks or identity fraud. Please can you investigate this bank, this could be an inside job. Navy Federal Credit Union is the bank I'm referring to. Thank you so much and looking forward to hearing from you.

XXXX XXXX, ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-12-17
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I have 2 accounts on my credit report from XXXX XXXX. XXXX I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues

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