BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft and Ive file many disputes to remove these files on my credit report. Investigation did not fix error on my 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 2021-11-30
Company: EQUIFAX, 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:
On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the XXXX days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-12
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient continues to add XXXX XXXX XXXX to the account as a contact address when Navient has been made aware numerous times that I do not live at that address, and do not know anyone who currently lives at that address. This address has been added without authorization nor has it been requested. In fact, it has been requested multiple times that they remove this from the account and refrain from sending any communication to that address. Their refusal to do endangers my safety and security. Furthermore, XXXX continual actions to add the address to the account, in spite of this knowledge, appears to be an attempt to violate the law regarding restrictions on call hours within a particular time zone and to purposefully run afoul and disregard proper service of process. I have had to update the address manually numerous times to Navient, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a contact address for their system to avoid compromising my safety with their disregard of my request to not send mail to nor use the XXXX XXXX XXXX address. They acknowledged this update and request - but then still continue to add XXXX XXXX XXXX to the account. If they do not want to utilize the above Navient address as a contact address for their system, something done regularly for those living internationally or without stable housing, then for they can leave it blank as their system also allows them to do. Ive included a screenshot of when the address portion of the account dashboard was blank on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern, I have been banking with Citi Bank for the last past seven years in XXXX California. In XXXX of XXXXXXXX I started to notice fraudulent activity with my account. It was reported to my customer service immediately and was temporarily resolved.After days I found myself locked out of my account password and user name changed. I immediately reported this activity once again, I went through numerous steps to prove my identity in person to secure my account. About a week later I was locked out once again. I was once again told to walk into a branch. On XXXX XXXX I walked in my home branch in XXXX California, I was assisted by the branch manager in which she informed me that customer service advised me to close my old account and open a new account. On and around this time I was also locked out of both my emails in which I informed the bank I think something was wrong. An Appointment was set for XXXX XXXX to open the new account and transfer funds, the opening of the new account was successful. On or around XX/XX/XXXX XXXX I was blocked from using my debit card, I then contacted my bank and to my surprised my new account was scheduled to be closed and I no reason was given, just that i should receive whatever funds in about 60days from closure of the account, and that I was not able to walk into my branch and withdraw my funds. After weeks of investigating I found out that I was a victim of identity theft. I filed a police report with the XXXX XXXX police department as well as an identity theft report with the FTC. I informed my bank of the identity theft in which they asked me to please provide the police report. I was advised to walk the report into a branch. On XX/XX/2022 I walked into my home branch in XXXX California with my Police and FTC report and submitted it. After submitting the report like requested I then called to check the status. I was given a number to Account Takeover in which I was then assigned to an investigator. Upon speaking to this investigator he was very rude, screaming and yelling as if I was at fault. I was under the impression that this issue was close to being resolved after documents were submitted. The investigator was asking me for the exact same documents that I had already submitted on XX/XX/2022. This has been by far the worst experience of my banking life. This has caused a family hardship. Citi bank has yet to resolve this issue.

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 2020-07-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I made 2 disputes with Equifax about these inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. I need these removed immediately. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company is reporting inaccurate information. 
Account name : XXXX XXXX Account # XXXX High credit is lower than balance, delete account for inaccurate reporting Account name : XXXX XXXX Account # XXXX Account is being reported with an inaccurate date of last payment therefore restarts the statue of limitations There is a violation in accordant to 15 USC 1681e ( b ) ensuring maximum possible accuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.

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 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2022-10-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I would like to reopen my bank account at PNC but they are refusing to take my account. I have many returns from XXXX that total {$5000.00} because PNC is not willing to take the cash returns because the things were purchased with that bank. 
I returned many items to XXXX but they are insisting they can not give me credit for the items I returned except on PNC Bank. 
My account was closed but I did receive a check for {$980.00} yesterday so obviously that right could be done but PNC is still refusing to reopen my account. It was closed without my approval for no reason. I had no suspicious activity which is the only legal reason to close an account against the customer. 
They never even physically saw me after I opened the account and had no legal basis to close it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had to pay extra money for my escrow. 
And also I have a balloon note on my account which I don't understand when I did my modification to lower my payment I felt like I had no choice, and I know when that time comes I won't have that type of money to pay out all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information. 

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 an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed a collection from XXXX and XXXX and a collection from XXXX that appear on my credit reports numerous times for Identity Theft. I have a notation on my credit reports that this occurred. I found out from a previous employer that someone had been using my full identity for many months and had gone as far as filing an unemployment claim with the state of Illinois against my employer. The State of Illinois investigated and found that this was indeed Identity Theft. At that time, they advised that they had handled the issue, notated my records and I did not need to file a report with the local police. Since then, I have found out through my credit reports that that there were multiple loans and credit cards taken out around this same time using my stolen drivers license, social security card, and employer information and most of them were investigated and found to be due to Identity Theft and removed. However, these two continue to remain. Attached is a copy of the fraudulent unemployment claim that spanned from XXXX through XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with collections and inquiries I didnt authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Submitted a dispute to Transunion on XX/XX/2023 to dispute a student loan listed on my credit report. The investigation results were verified, however, this account is not mine. Also added some historical trend data with many late payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a Transunion employee , recommended I submit a claim with the FTC and provide this information to them.

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 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I went to use my debt card and the purchase was declined. I call Bank of America. All they would tell me is that my accounts are frozen and I will not be able to use any of these accounts going forward. They would not give me a reason to why. Just said that Bank of American can terminate any contract with a customer for no reason and that is what they are doing. They told me that the estimate closing date is XX/XX/XXXX. They have {$1400.00} of my money. I can't pay rent, bills or have access to money. I have never received a letter to what the issue is before XX/XX/XXXX. The account number is XXXX. Now I have an eviction because I can't pay my rent. I am behind on my bills. I don't understand how a bank can do this to a person. 
The one complaint that has been on going with Bank of America is every time I would do an online order to Target, and I would receive gift cards and use them for partial payments, Bank of America would continually charge my account the gift card amounts to me. Bank of America would say it is a XXXX issue. I have talked to XXXX XXXX, and it is not them. I have disputed every one of them. I have filed with AGO, OCC and now CFPB.

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