BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2022-04-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a checking and savings account with navy Federal Credit Union. I also have a car financed through them. They were not on the title and I didn't know that. The only way I found out is someone opened a checking account in my name at a different bank so I changed my account number with my bank. That's when I found out my account was flagged for this reason. The next day I went into the branch and filled out the necessary paperwork and waited, only for it to be kicked back, not once but twice because it was filled out incorrectly by the employees. I have gone back for the third time ( I filled it out myself ) so now I'm waiting again. I have asked for them to remove the flagged and give my overdraft back. They keep saying they are trying to get reconsideration for the flag to be removed. It should not be there! it is their fault why they're not on the title. No employee is being held accountable, just me. The one who has done everything right! I want this flag lifted immediately!

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 2023-11-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I reported a fraudulent charge on my cc by XXXX XXXX. This company patched into a call I made to XXXX XXXX when I was " on hold '' with XXXX and he represented himself as a XXXX reservations person. He lied and told me that the price had increased since I had made my reservation earlier that day. Later that day, I learned from XXXX that this was a lie. I notified Chase cc fraud dept. Chase credited back the charge on my statement. Chase advised me to close my cc account and get a new card in order to prevent any authorized charges. I considered the matter resolved. Two months later, a charge, NOT authorized by me, appeared on my new cc card statement. It was for the same amount that the XXXX XXXX fraudster had put on my account two months earlier. I called Chase Fraud Dept. They said I could re-open my complaint. I sent Chase documentation showing that I had made the original reservation and that XXXX had sent the original charge to my Chase Credit Card. The charge from XXXX XXXX was not removed from my next statement. Chase told me that the amount of time to settle a dispute had expired. I believe that it was unethical, even illegal, to charge my new credit card with the original disputed amount that I did not authorize a second time. Also Chase paid no attention to the fact that the Fraudster misrepresented himself and lied to me. Chase claims that I agreed to the charge so I must pay it. I say that Fraud is when someone misrepresents himself and lies to me in order to get money from me, that this is a classic example of Fraud. This claim is mostly about Chase placing a fraudulent charge on my new cc. It violated what it said would be protection for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Personal information incorrect

Complaint:
In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXXXXXX XXXX XXXXXXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX XXXX  XXXX actually documented that the credit bureaus in fact reported to XXXX XXXX XXXX XXXX  that their was hard inquiries and low credit scores when I spoke with the credit bureaus XXXX, XXXX, experian I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations

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 2023-02-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are behind on payments due to forbearance period, we want to pay it over long term, mortgage company give us one option to pay back {$39000.00} over 6 month period plus regular mortgage monthly which comes to about XXXX a month which is unreasonable and cruel to us. We would like to make our regular monthly plus a reasonable amount over long period.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-07-14
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
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:
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 Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-31
Company: EQUIFAX, INC.
State: VA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: KY
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:
I have reviewed my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Please snd me copies of the documents that you have in your file as of this debt that you used to verify the accuracy of the accounts listed below. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX XXXX 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 2022-04-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND CREDIT MANAGEMENT has violated my federally protected consumer rights in accordance with the Fair Credit Reporting Act using two accounts from XX/XX/XXXX until XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT has attempted to XXXX, XXXX, and XXXX  me using deceptive, misleading and abusive practices against me, my family and my household by harassing me, committing mail fraud and identity theft. This is criminal activity AND is unacceptable by every means. MIDLAND CREDIT MANAGEMENT couldn't verify either debt in accordance with the Fair Debt Collection Practices Act. The alleged debts can't be legally or lawfully collected on and should have been deleted months ago. After putting MIDLAND CREDITMANAGEMENT on notice that they were in violation of my rights, they continued collection efforts, purposely being non-compliant with the FDCPA while ignoring my prior correspondence. MIDLAND CREDIT MANAGEMENT only complied and deleted both accounts because I reported them along with the violations against me to the CFPB. Violations for BOTH accounts include but are not limited to : Violation, 15 USC 1692 ( b ) ( 2 ) ; Violation, 15 USC 1692c ( a ) ; Violation, 15 USC 1692c ( b ) ; Violated 15 USC 1692d ( 1 ) ; Violated 15 USC 1692d ( 2 ) ; Violation, 1692 ( e ) ( 2 ) ( a ) ; Violation, 15 USC 1692 ( e ) ( 5 ) ; Violation, 15 USC 1692e ( 8 ) ; Violation, 15 USC 1692 ( e ) ( 10 ) ; Violated 15 USC 1692f ( 1 ) ; Violation 15 USC 1692f ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( j ) ; IDENTITY THEFT ; INVASION OF MY INDIVIDUAL AND FAMILY PRIVACY ; DEFAMATION OF CHARACTER AND ADDITIONAL DAMAGES ; I am willing to settle civil liability damages I have suffered pursuant to 15 USC 1692k. If there is a refusal to settle within 30 days of receipt of this notice, I will have no choice but to take immediate court action by initiating the litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Possible Financial 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number XXXX. Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account on my credit file without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2022-10-16
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Mailed check to pay for one year membership in Sam 's Club on XX/XX/XXXX. 
Check was cashed and cleared bank on XX/XX/XXXX. 
Check was in the amount of {$100.00}. 
Credit card company says they didn't cash the check.

Provided front and back of canceled check and a copy of bank statement to the credit card company. 
Also, have filed complaint with 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 explanation