BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX XXXX I Went to purchase a Motorcycle. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.

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 2023-01-10
Company: Navient Solutions, LLC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint here and they responded and refused to remove late status. I found an old email from XXXX of last year stating to reply yes to place loans in automatic forbearance. Which I did but they still reported 90 day late payment in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with 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 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 2023-05-26
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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has 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 a account without my written instructions

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 2021-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax, XXXX and XXXX allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifix had a database breach and I was effected by it. All 3 of my credit reports were effected Equifix, XXXX and XXXX XXXX inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with equifix

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2023-08-15
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 status incorrect

Complaint:
This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: AR
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 my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: CITIBANK, N.A.
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:
Please see attached document. 

I have not inquired about any credit cards for the month of 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 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion.com website is severely misleading. It guides the user to sign up for an account that appears to be free. During the sign-up process, it asks for credit card information but does not explain what the credit card will be used for. I assumed it would be used to verify my identity because there was NO indication of a dollar amount, charge, or otherwise buying a subscription or paid service. 

Once I completed the account signup process, I discovered that TransUnion charged my card for {$27.00} and set up a monthly recurring charge. This was the very first time I saw that amount, that the card would be used for a monthly service, or that I had signed up for anything paid. 

When I called TransUnion to request a refund and complain about the clearly predatory signup process, the phone agent graciously refunded my money. However, the phone agent also acknowledged that this was an extremely common problem -- she even agreed with me, over the phone, that this practice was predatory and likely illegal. 

I'm not sure how Visa, Mastercard, XXXX, etc., allow this type of processing to occur. I've never seen this type of behavior before -- where a website requests a credit card number and charges the consumer without EVER indicating the dollar amount, the frequency of charge, the services rendered, or anything related to the financial transaction. This is, by far, the most predatory and hostile user/consumer interaction that I've ever seen on the Internet over the 20 years I've been conducting e-commerce.

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 2023-08-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Transunion should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
The original lender ACIMA DIGITAL FKA SIMP is reporting the account past due as XX/XX/XXXX which is inaccurate. The account was late and charged off in XX/XX/XXXX. This is not accurate and predatory to keep the item on my credit longer that the statutory 7year 6 month period for negative debt. This does the greatest amount to my credit report and credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My complaint is about Amazon. I'm going to start at the beginning. 
I opened the Acct. in XXXX last year. They gave me {$600.00} limit. I didn't use the acct. until XX/XX/XXXX. I bought items that totaled {$44.00} and on the same day, I tried to charge {$77.00}. but it was declined, due to over the limit? I thought I had a {$600.00} limit, only to find out from them, that my limit was changed to {$100.00} without me knowing it. So I paid the {$44.00} on XXXX XXXX and Tore Up the Card. 
Then I find out, through my credit reports, that by lowering my limit, lowered my Credit Scores tremendously! 
Now I'm receiving emails that I owe {$140.00}?? I tore up the card, how could I owe? I called them and they told me my balance was XXXX. So I thought they fixed the matter. 
They sent my account to collections. I found out through my credit scores. I lost 60 points because of that! It took a long time to recover from their lowering my limit. This will take me forever! Besides, ruining my credit. 
Thank you, 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 2022-03-25
Company: Experian Information Solutions Inc.
State: TX
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I began my mortgage application on XX/XX/22 and applied for a mortgage that I was told would qualify for 100 % financing no down payment required. I verified this information with my loan processor after my application was submitted. For 29 days of my closing process I was assured that I would not need to make a down payment. The day before closing I was told that Navy Federal had misread information and I would now need to make a 5 % down payment in order to close. I was unable to search for other mortgages that would better fit my needs because of this misrepresentation. By the time I was closing I had already ended my lease and needed a home to move into. I had no other option but to close in one dat

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Maybe you're not understanding this but it is the law so when that child with adopted by another person I was not held accountable also there is the absent parent act where I've been out of child life for years so I demand that be to taking off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: SYNCHRONY FINANCIAL
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a PayPal Credit account. I have used the account to make purchases that offer special financing/differed payments over 6 month time periods, I have made returns and made payments and there is no logic to how the payments and returns are applied. I have been making payments and somehow accruing interest on my purchases. 
Today I looked at my statement and it said that the minimum due to avoid interest was {$360.00}. However, the only purchase showing to expire in XXXX was for {$62.00}. 
I called twice and was cut off both times. I had tried to call at the end of last year and faced similar issues. Due to the fact that my mother had recently passed away, and some additional personal issues, I didn't call back for some time. 
I have been paying down the account and today I was shocked to see that the balance due to avoid interest was again so high. 
After being on hold for 40 minutes and being disconnected twice, I called back a third time and I asked to be transferred to a representative in the USA. 
Once I was connected to the representative, I was informed that I had an outstanding balance for a promotional purchase from XXXX that had expired and was accruing interest. This amount or line item does not show up anywhere on the statement, just the ambiguous " amount due to avoid interest ''. 
The representative told me that in order to have my payments applied to the older balances, I need to call them and tell them where to allocate the payment amounts. 
This is somewhat fraudulent and extremely misleading to the consumer. 
It is unclear when making purchases that you need to call every time you make a payment or return to have the item applied to the correct charge amount. 
I am very annoyed by these deceptive practices and I do not think that the company is being transparent and open abut these practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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