BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: UT
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX removed collection remark from my credit report. XXXX. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid off my card and they closed my account. i also paid off my upstart loan and they sent it to collections which I paid off, in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose

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 2021-06-11
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid 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:
Four unauthorized transactions I ( and my husband, the other authorized cardholder ) did not make posted to my card on XXXX XX/XX/2021 at approximately XXXX XXXX I was at work at the time and I heard the SMS alert come to my phone that a transaction had been processed on my credit card. 

As I did not recognize the charges, I checked with my husband the next day ( XX/XX/XXXX ) to see if he had done any transactions whatsoever online for either XXXX or XXXX ( the purported sites involved in the transaction ). He did not. That day I called Discover and notified them that the transactions were fraudulent. They said that they could not open a dispute until the charges posted, but I could put a freeze on the card. I did that. I called XXXX, which was the processor these purchases supposedly went through, and there were no transactions at all on my account during this time period. I also checked with my husband and he did not make any purchases through XXXX. I removed the credit card link with Discover on my XXXX to be on the safe side. 

When the transactions posted on Sun XX/XX/2021 I opened a formal dispute and requested that my card number be changed. This was done. The small charge for {XXXX} was credited without a dispute. 

I received notification and documentation from Discover dated XX/XX/2021 that the three charges above {$40.00} were found to be valid upon investigation and that the dispute was being closed. Included in their documentation was a copy of the purported purchase, which were all items that, firstly, I did not recognize and would not purchase, and secondly, did not receive. They were all supposedly delivered to my front porch, but these items were not delivered here and I did not receive any of them. There is no signature documentation nor a photo of the completed delivery. I searched my email for both the tracking number and the order number for the alleged purchases and there was no results. ( Under normal conditions there would be many emails regarding both a purchase and a delivery, usually including a photo of the delivery ). 

I am attaching documentation : 1 ) my XXXX activity, which shows one purchase of {XXXX} on XX/XX/XXXX. This is the only purchase I have made on XXXX this year. 
2 ) my XXXX activity, which does not include any transactions for XXXX past the XX/XX/XXXX date and no transactions for the disputed amounts at all. 
3 ) four responses from Discover regarding the disputes 4 ) screenshot of my only email account showing a search for " XXXX order '', which shows no order past the XX/XX/XXXX order for {$10.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: NC
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:
XXXX Equifax and XXXX XXXX are reporting in accurate history on my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX totaling 31 late payments. Section 623 of the fair credit Act strictly calls for accuracy for consumer reporting agencies. Also Equifax has refuse to remove the 2 collections on my credit by XXXX, XXXX for {$420.00} and XXXX XXXX, XXXX for XXXX in which I have or had no accounts or affiliations with the creditor or it's partners. XXXX and XXXX XXXX have remove the collections from my account however they remain with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX of 2022 I received an international wire transfer per the attached screenshot. Ally bank for a reason unknown received the money and then sent it back to the sender, which the original sender has as of the date of this complaint not received. I have called and written emails to Ally Bank to find out where the money is and no one seem to be able to give me any answers and hands me off to other representatives who also have not much information. I am requesting that this be investigated so that the sender can re-send me the money as this was for a refund on a vacation. I am requesting that Ally bank communicate in writing only regarding this matter please.

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 2022-07-13
Company: DriveTime
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 belongs to someone else

Complaint:
I was asked to cosign on a vehicle for my sister at Drive Time in XXXX of 2014. The vehicle ended up being a lemon and we had to file a complaint through the XXXX  in Arizona because the company here in XXXX said it had ties to the XXXX  here in Texas. The complaint was settled by allowing the return of the vehicle in exchange for my down payment and to remove ALL/ANY information used for the purchase of this vehicle from all three credit reporting agencies. i have recently pulled my credit and my sister has pulled hers and we have accounts on each others ' credit report with incorrect social security numbers and addresses that do not correspond to each others address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: American Coradius International LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got the attached letter in the mail today, called them they were no help. 

Called XXXX and they know I do not owe that I pay in full monthly. Not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Subject : Formal Complaint Regarding Improper Fraud Claim Review and Lack of Documentation | Dear Navy Federal Representative, I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the improper review of a fraudulent account opened in my name. I believe that Navy Federal has violated several sections of federal law, particularly 12 CFR Part 1005 ( Regulation E ) 1005.6. Also according to the Gramm Leach Bailey Act ( GLBA ), financial institutions are required to regulates the collection and disclosure of private, personal financial information, requiring financial institutions to provide a privacy notice to all customers, prior to entering an agreement to do business, and needs to detail : a. the personal information that will be collected. with whom and where personal information will be shared. how personal information will be used. how personal information will be protected being able to opt out of sharing certain personal information with unaffiliated parties. However, in my case, Navy Federal has failed to provide proper documentation to substantiate their claim that the debt associated with the fraudulent account is indeed my responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CAINE & WEINER COMPANY, INC.
State: IL
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:
This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Southwest Recovery Services, Inc.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A solar-power company " XXXX XXXXXXXX XXXX '' offered me solar panels for my home in XXXX of XXXX. They informed me that if I agreed to secure a loan with a third party, ( XXXX XXXX  ), they would create a design plan, provide a final cost estimate and allow me to decide if I wanted to proceed with the purchase. I was sent an e-mail that assured me that I would have the right to cancel beyone their usual 3 day cancellation policy. The company never completed the design plan and did not return my phone calls until after I cancelled the third-party loan, several months later. XXXX XXXXXXXX XXXX and XXXX XXXX then initiated the process to collect a debt from me despite never performing any work. I never received any product from this company - no work was completed. Eventually, I received debt collection notices from Southwest Recovery Service- for approximately one year now. Despite explaining my situation to this debt collection agency, they have not taken the proper actions to rectify the situation, resulting in a significant negative impact on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my Experian, XX/XX/XXXXand XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-02
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company was XXXX XXXX but the other company brought it from them which I had already contacted beat but about this was a stolen card had to do a police report and all and have to dispute it. But this other company brought it and took me to court without me knowing it are anything about it til after it was sign in court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2023-08-16
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 2022-04-06
Company: EQUIFAX, INC.
State: IN
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 2022-10-13
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-07-22
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 belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation