BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I applied for a heloc at penn fed credit union XXXX. I have no prior business with this credit union. My application was denied. two months later i receive in the mail a statement showing my " new savings account '' that i did not open and it had {$5.00} in it. This is gros misconduct and terrible. Still doing the same thing like wells fargo. I dont care if they put it in the language of a 50 page disclosure, its wrong and terrible. Please do something. I am a very intelligent business owner for 25 years running an insurance agency. I did close the account with the bank, but they were not helpful at all only referred me to website. Im in process of rebuilding my credit and this doesnt help me. 

thanks you. 
XXXX XXXX XXXX florida

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 2021-12-07
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: Account status incorrect

Complaint:
I had a collection that had been raised against me by a creditor that purchased my original debt from XXXX. In XXXX and XXXX the case was presented in court, and in XXXX my lawyer presented a motion to quash and the case was dismissed by the judge. Following these events, I requested both XXXX and TransUnion to update this information on their credit reports because it was negatively affecting my credit. XXXX obliged and my credit now reflects the fact that the case was dismissed, ergo my credit is healthy as per their reporting. On the other hand, TransUnion has failed to remove this from my credit report even with multiple, consecutive requests to do so by submitting supporting documents/evidence of the change of status. I have requested TransUnion to update my account XXXX times now. The first XXXX times they processed the request and didn't change my report. The last time I reached out, I once again requested they update my account and stated that if they were unable to oblige that I would have to file a report with the CFPB. They did not change the status of my credit on their report, and this is currently negatively impacting my credit. TransUnion has demonstrated negligence in mending their report of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NJ
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:
Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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 is missing that should be on the report

Complaint:
The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an life threatening injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: MRS BPO, LLC
State: TN
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:
XX/XX/20 was going to add a second line to my XXXX unlimited plan. 
XX/XX/20 received XXXX card for account # XXXX phone number XXXX Never used second line XX/XX/20 cancelled second line. Bill was still charging me XXXX bucks. 
XX/XX/20 paid my normal bill of XXXX, still showed a XXXX dollar balance Was reassured the XXXX would be a credit XX/XX/20 XXXX shut phone off Got it back on. They shut off again XX/XX/20 shut off again. 
XX/XX/20 started a new service with XXXX XXXX  and quit XXXX. Try to charge XXXX bucks even though XXXX is a credit and I never used the service again after XX/XX/20! 
They are now destroying my credit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: First Technology Federal Credit Union
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have a HELOC with First Tech Federal Credit Union, which has always had a zero balance, and they charge us a {$100.00} annual fee to keep the account open. We never received any notification that it was time to pay our {$100.00} fee in XX/XX/XXXX, but we noticed the {$100.00} balance when we logged in and we paid it before the due date. Without our knowledge, they also charged us {$0.00} of interest on that {$100.00} fee, which wasn't reflected in the balance due so we didn't know about it. Because we didn't pay the {$0.00}, it appeared as past due so they added a {$5.00} late fee to our account. They never sent us a notification about any of this, and whenever I logged into my account it showed a balance of {$0.00}. In XX/XX/XXXX, they reported the account as " delinquent '' to the credit bureaus because we had an unpaid balance of {$5.00}, but they never told us that we have an unpaid balance and it still shows a balance of {$0.00} when I view my account online. When I called their customer service department, the representative was completely unapologetic and made it seem like it was all my fault. Now their mistake is negatively affecting my credit score, which isn't right.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
my data was leaked through XXXX and these account need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX : XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXXXXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''

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 2021-08-26
Company: DISCOVER BANK
State: TX
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:
For the past 60 days, I have received telemarketing calls ( 90 % of calls appear as 'Scam Likely..with XXXX XXXX .... ) on behalf of Discover Credit Card ( which I don't have ) Chase and Visa to qualify for 0 % promotion. I initially blocked the calls, but all the phone # s are similar and on average I receive 20 calls/day. When I have chosen to speak with someone ( option # 1 ) to request my phone # to be removed, they either agree to do so, or hang up on me. Then will call back. Most recently, I received a call from XXXX XXXX XXXX ( which is similar to my cell # ). When I called it back, I reached Asst. Atty XXXX XXXX who advised this was her personal ph #. Her advice was for me to file a complaint with the FBI in my local area. She provided the contact # and I called. Was advised to file an IC3 complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I applied for a job online and got sent over to XXXX where I got into a job called sears and began working on a site called XXXX. An agent on XXXX explained how everything works and the first few days seemed easy I didnt have to spend any money, instead I was making it. Im in the XXXX, Im a XXXX  I was looking at a new way to earn some extra income, at least online because I dont have any sort of transportation to go and get another job. About the XXXX day I had to blow about {$1800.00} and I let myself get scammed into paying money. The agent said if the product order that we send reviews on is more than the commission for the product then your account will go negative. My account for XXXX is now - $ XXXX and they expect me to break even with that negative number to be able to finish the final product review to where they will let me withdraw more than $ XXXX. Like I said I let myself get scammed I dont have the money to pay that negative number and I wan na find a way to hopefully get my money back but idk what to do so I need 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, 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 2023-09-11
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I been with Lexington law for 2 years they charge me {$250.00} a month for alone period of time and they never removed or repaired my credit I lost my money out of my pocket They never fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: SC
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 checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1100.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item 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 explanation
Consumer complaint received 2023-10-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I left the emergency room in early XXXX. I had some small financial limitations .that was nearly XXXX years ago. the FCRA provides every XXXX with the opportunity to rebuild their credit. COMMONWEALTH FINANCE is violating FCRA law by inaccurate reporting. while one item is allowed on credit for up to 7 years, the FCRA prohibits false reporting of time lines. COMMONWEALTH FINANCE put on my credit that I defaulted in XXXX a full 4 years after I actually left the emergency room. I have the right to rebuild my credit, and would like the CFPB to hold COMMONWEALTH FINANCE accountable for violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
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:
on the XX/XX/XXXX XXXX, my chase card XXXX was being used for XXXX and XXXX XXXX while I had the card in my procession so I call chase immediately to find out what was going on the card was then frozen while on the phone the person tried to use the card again for a sum of XXXX at the same location I ask the person on the phone what was going on the stated they were going to look into it and keep me notify by mail I didn't receive any notification. Today around XXXX XXXX  XX/XX/XXXX the charges were reverse charges and the case is close and there is nothing they can do I spoke to XXXX and XXXX the manager on XX/XX/XXXX she stated they send out a letter on XX/XX/XXXX I didn't receive any letter from the chase team. i ask if they needed a police report they stated no

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 a collection account was added to my report by an company known as AD Astra Recovery, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TN
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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 Any 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 explanation