BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do. 

This is what XXXX told me to do and it destroyed my credit report! 
I called them several times and they said that they could not fix it! 
They told me to write a new letter and sound like and a**hole and maybe they would fix it! 
I called again and nothing! 
Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through XXXX and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!

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 2022-02-16
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-03-20
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase Credit Card Account # : XXXX Transaction Post Date : XX/XX/XXXX {$15000.00} We had filed a dispute timely on XX/XX/XXXX within the 60 days of the dispute. Chase had opened a dispute but then ruled in the Merchant 's favor for equipment that was NOT delivered or received by us. 

They had ruled in XX/XX/XXXX that said although we did not receive the merchandise / equipment, they can not help us and that the " dispute '' time window past 60 days was over, even though we had properly filed the dispute within the 60 days per agreement ( with proof ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2018-02-17
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXXI contacted Financial Credit Network by certified mail, requested to send certain documentations to show that the debt is in fact mine, which is ( Debt Validation ) they refused to show me any documentation stating that it is, as they continued to file a debt that doesn't belong to me it continued to hurt my credit and caused me to get denied for a credit card. I then sent then a 2nd letter which was sent XX/XX/XXXX which was to send documents that were requested in the first letter and also requesting to send additional information which included 1.the original instrument, 2. their registration details with the financial conduct authority. 3. their registration details with the information commissioners office. 4. their consumer credit license number 5. their public liability 6. their registration details with any other regulatory bodies. the company did not. third letter was sentXX/XX/XXXX requesting the same information needed to show proof that the debt is in fact mine. The company sent a copy of a bill with my incorrect address stating that its mine the amount stated that I owe was XXXX which doesn't prove anything, The company denied to send requested information yet again and now I want to file a complaint because I believe this company is committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/2023 I received a letter in the mail from XXXXXXXX XXXX stating that my identity was involved in a security breach and my identity may have been compromised. Then the very next day I received an email saying I needed to verify the invoice that was attached prior to XXXX completing the transaction. I did not approve and stated that the invoice was not mine. While driving home I received a text message saying it was XXXX and that I needed to verify my identity because it appears to have been stolen. They read my account information and then asked for verification. I had 4 different transactions. They said I should go to the nearest XXXX XXXX to verify my identity im person. Take my driver license and charge card I said there was no XXXX store nearby. He then asked if XXXX, XXXX, XXXX or XXXX were nearby. I said yes of course. He then asked me to go to one of those stores and purchase 2 gift cards for {$500.00}. I said no I am not gon na do that because I would be out of more money. He explained it was not even going to show up on my account as he was going to put the money into my XXXX account and send me a copy of the transaction. He then did exactly that, or so I thought. I winded up going to 2 more stores with the total monies spent was about {$4000.00}. He thanked me for my assistance and said to be sure and check to see he had been on the up and up. Needless to say when I got home and saw my bank account was - {$520.00} I had a good cry jumped in my ran back to the stores and told them what happened. They checked the card and they had a zero balance.. I got a case number for their report and said I should contact my bank. When I contacted my bank I was told they could not even submit a report because I had made the payment. I said they could not be for real. I even had a request to get notified when any transactions over $ XXXX was notified alright after I spoke with them. I unfortunately was ride to the lady on the phone and hung up, The next day I decided to try again. I wanted to at least have a report filed. This time I had a very nice gentleman on the phone who was very nice and was more than happy to file a report for me. I have been pursuing alt of the agencies I could find to file a report and I froze my account. Please advise me as to what I should do next. Looking forward to hearing back from you soon. Thanking you in advance for any assistance you can provide.

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 2018-06-01
Company: Home Credit Corp. Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had gotten a auto loan from home credit inXX/XX/XXXX when I purchase the car loan I had gotten it for my ex wife XXXXXXXX XXXX which is also on the car loan as a reference.., during the time the auto loan was in her possession on XXXX XXXX XXXX  ... XXXX XXXX  nc ... XXXX  in XX/XX/XXXX before our car got repossessed I had set up a payment arrangement to set the payment to be drafted out of my account and which the company did get their payment ... at the time of my repossession I was only 2 months behind ... I felt as I was done very wrong at home credit because I was doing everything right by open communication ... they never told me that they was going to repo our auto loan ... and because it was in my name it has greatly impacted my credit ... we all fall short at times but when you try to pay your auto loan to keep from getting a repossession its very hurtful ... I tried contacting the XXXX  home credit and call the main office in XXXX   nc ... .and my wife also left messages and I never received any calls back.. my wife as of now is XXXX XXXX and now we are joint together on the credit report and its affecting her credit as well ... I have proof and documents of when I paid to home credit the same month they repossession the auto

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I typing this right now in disbelief how XXXX, XXXX, and Equifax treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender : Navy Federal Credit Union ( NFCU ) Loan Number : XXXX I submitted a complete application for a home equity loan and based on the letter I received the application was submitted on or before XX/XX/2020. The letter I received shows my new loan number and explains I have the right to receive a copy of the appraisal and is one of the attachments here. On XX/XX/2020, I called NFCU to find out the next steps towards the process, and the representative confirmed that my application was being processed, but due to the high volume of applications I might not hear from them until the following week. 

On XX/XX/2020, I called NFCU again, and I was told that my loan was denied because they decided not to process any more applications for my type of loan and that decision was made on XXXX My complaint ( s ) are : 1 ) Why did NFCU accept my application if they were no longer offering the product I applied for? 2 ) Why did the NFCU  representative on XX/XX/2020 confirm that my application was being processed and not mention that my loan was being denied if the decision to suspend loans had already been made? Why did he ask me to call back in a week? 3 ) Why does the NFCU web site specifically state that in regards to the suspension of loan applications " This update doesn't affect applications that have already been submitted. '' 4 ) Why did NFCU never contact me to let me know they were changing direction with my application? and finally 5 ) Why is NFCU infringing on my rights under the Consumer Credit Protection Act to have access to financial products just like other people with similar qualifications? 

Attachments : Letter regarding right to receive a copy of the appraisal dated XX/XX/2020 Screen shots from the NFCU web site indicating my application was submitted and is complete. Also a screen shot of the loan suspension announcement indicating there is no impact to applications already submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2023-03-11
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account was disputed for inaccuracy reporting on a closed account with monthly payments being reported, account was paid with no update to balance due or owed after the dispute results came back as updated nothing was validated nor fix after I reached out to representatives about the dispute the phone was hung up in my face

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 2021-01-09
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX the XXXX  Fire started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted Citi Cards to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.

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