BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 finally looked into my credit and saw Multiple accounts from XXXX After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2020-12-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has refused to comply with my request to unfreeze my credit in online, phone, and mail contact. I am unable to login to my online myEquifax account and upon further contact with customer service via phone they told me that they can not help me with my account until I verify my identity. When I ask how I can verify my identity over phone they tell me I must login to my online account and answer the online automated security questions. 

When I reiterate that my inability to login to my account to is the nature of my call to begin with, they reply that they are sorry and this is the only means of authentication they permit. If I needed to continue my request to unfreeze I must mail them with outlined identification documents. I have had this call with three separate representatives to confirm that this is not just miscommunication. 

I then mailed them with photocopies of my California driver 's license, Social Security Card, and written letter formally requesting my credit unfreeze. They then sent me back a letter saying that I did not submit them the proper documents and that they can not unfreeze my credit. I am out of options, patience, and sanity. I will try to send them the documents again via mail with a transmittal of documents via registered letter. 

Please look into this I believe that this is a deliberate obfuscation of essential financial services and it is actively preventing me from purchasing a home. Also I would like to highlight that both XXXX   and XXXX allowed to unfreeze my credit same-day in under five minutes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Account information incorrect

Complaint:
Subject : Request for Immediate Deletion of Accounts for Violation of 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Dear ( Credit Bureau Name ], I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , by certain creditors listed on my credit report.

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX am requesting that you immediately delete these accounts from my credit report, in accordance with Section 1681s-2 ( a ) ( 1 ) ( E ) of the FCRA, which states that if a furnisher of information determines that information it provided to a consumer reporting agency is inaccurate, it must promptly notify the agency to correct the information. The continued inclusion of these inaccuracies not only damages my creditworthiness but also infringes upon my rights as a consumer seeking fair and accurate credit reporting.

Please be aware that the FCRA holds credit reporting agencies accountable for ensuring the accuracy and integrity of the information they report. Non compliance with the FCRA may subject your agency to legal consequences, including potential liability for damages, as outlined in Section 616 of the FCRA.

I expect your immediate attention to this matter and request that you delete the aforementioned accounts from my credit report without further delay. I also request that you provide written confirmation of their removal within 30 days, as per Section 1681s-2 ( a ) ( 3 ) of the FCRA.

Thank you for your prompt action in rectifying this violation and upholding the standards set forth by the Fair Credit Reporting Act. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: JPMORGAN CHASE & CO.
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:
Well I discovered that a credit card was being used without my knowledge for a long period of time and it showed up on my credit report and I have never dealt with this company before but its being paid on time but from the income I bring in its showing my credit card use is at its max unsuccessful to get in the account cause I dont have the username or password and I want it removed from my credit report cause that card does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections Unlimited has reported a collection account to my XXXX   credit file. I do not owe this alleged debt. If Collections Unlimited has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Collections Unlimitedhas no legal right to attempt to collect a debt. Collections Unlimited has not validated this debt nor sent me a notice of collection. Collections Unlimited is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA rights.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This will be my last Complaint to inform the XXXX and TransUnion Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-01-07
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
Discover Financial Services has an inquiry on my credit report that I did not authorize on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My name is XXXX XXXX and I live at, and own a home at, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I appealed my property tax rate and received a successful decision to reduce my property taxes from a total of {$29000.00} per year to {$20000.00}. On XXXX separate occasions beginning on XX/XX/2023 I requested that Ally bank, my mortgage service company, review my escrow estimates for the next year so I would not be charged an overpayment of almost {$9000.00}. They have multiple times mis-calculated my new monthly escrow payment and most recently, on XX/XX/2023, they are calculating my monthly escrow payment based on an annual tax payment of {$27000.00}. I provided a summary letter, the annual calculations, the decision on my property tax value from the local taxing bureau and annual tax exact calculations that cover all 3 types of homeowner property taxes ( local township , county and school district ) that clearly demonstrate the {$20000.00} total. At this point, Ally bank are either incapable of completing simple mathematical addition or outright fraud. I need this fixed without another 30 day delay to try again to recalculate my escrow payment.

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 2020-12-18
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 I was offered to be placed on a payment plan for my Gold and XXXX  AMEX card which I accepted. I made payments on both cards to start the plan as required. Prior to the next months due date I called to update my payment information as my debit card had to be replaced. I was informed by the agent that my payment information was updated. When I noticed that no payments were processed after the first payment I called to inquire and was told that the plan was instead cancelled, which I did not authorize. My credit report then showed I had 30 and 60 days delinquencies all due to AMEXs decision to cancel my established payment plan without my knowledge. 

I spent weeks calling to get the late payments taken off my credit report only to be told they were researching the issue, but that they would call me back the next day. Of course, I never received any follow up calls. I finally was contacted by the AMEX Executive Office, who after multiple weeks of researching what happened assured me that my credit report would be updated and the late payments removed. Two months later nothing has changed.

Ive actually received emails that are offering me payment plans for cards that aren't even mine, which goes to show how disorganized AMEX apparently is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It appears Navy Federal Credit Union breached their fiduciary duty in the handling of consumer credit transactions that they processed on my behalf. They failed to act in my best interest and with utmost good faith. 

Navy Federal Credit Union failed to provide full and fair disclosure of all material facts of hte consumer credit transaction and notify me of the processes of the transactions, the whereabouts of my financial assets and their proceeds, and failed to provide me with a monthly statement for any and all accounts, including but not limited to segregated, custodial, and securities accounts, they opened on my behalf in my name, at Navy Federal Credit Union or other financial institutions while serving as the Securities Intermediary and attorney-in-fact for each transaction and asset for which there is a book entry documented. I am also demanding the disclosure of the CUSIP numbers of my financial assets. 

On XXXX XXXX XXXX an employee or agent of Navy Federal Credit Union signed for my documents sent via USPS XXXX XXXX, signature required, addressed to their headquarters to the attention of Transfer Message Department and/or CFO. Enclosed with my cover letter were entitlement orders/transfer message, notarized revocation of power of attorney, and the corresponding authorities for entitlement orders, financial assets, securities intermediaries, and securities accounts. 

I requested Navy Federal to disclose all accounts associated with my financial assets, sell all positions, settle any outstanding obligations that I may have, close those accounts, and transfer the proceeds to a securities account of my choice. 

To-date, I have not received any of the requested documentations, and Navy Federal Credit Union has failed to process my entittlement orders according to my demand as the Secured Party/Entitlement Holder/Issuer of the financial assets XXXX I have not received correspondence from Navy Federal Credit Union stating that they are processing or need more information. Therefore, there should not be any delays in the processing of my entitlement orders. 

The failure to fully disclose the information is a violation of Truth in Lending, and as such, requires treble damages in the amount of three times the finance charge. 

The financial assets for which power of attorney were revoked, and proceeds and documentation was requested for were initiated on : 1. XX/XX/XXXX, {$74000.00} 2. XXXX {$63000.00} 3. XXXX, {$52000.00} 4. XXXX {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 NUMEROUS 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 items 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 XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX I've sent Medical Data Systems four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want these two accounts, XXXX, and XXXX deleted!

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 2023-09-05
Company: EQUIFAX, INC.
State: TN
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:
My personal id was stolen and used to get loans. I filed all the fraud paperwork and FDTC report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BOK FINANCIAL CORP
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX the check we wrote that paid the fee to file to apply for a Partial Release of Acreage, cleared our bank. With no contact from BOKF. We called BOKF. A laughing girl told us in 24 hours someone would call us back. First call on XX/XX/XXXX second call on XX/XX/XXXX. We were told the lady should have said three business days. On XX/XX/XXXX the BOKF office XXXX XXXX called claiming she had been sick. On both XX/XX/XXXX and XX/XX/XXXX we asked for the laughing ladys boss to call us she did not. XXXX told us we would need a survey. We got her one back to her the following week. But until we called her no response. After the call she told us she was going to start the paperwork for an appraiser and there is no time requirements, but the most she had seen them take was six weeks. On the sixth week she told us she canceled the first appraiser on put in a request for another. The second came out on XX/XX/XXXX. She said the appraiser got the paperwork to her on XX/XX/XXXX or XX/XX/XXXX her story changed. Everything is okay for the release, but I can not get a copy of any if the paperwork because it might get list in the mail. I called to see if they have received anything at the county planning office they said tell her to email all the banks are email. She will not.

Company response to consumer: Closed with explanation