BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
To Delete Hard Inquiries - Account Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # 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, 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 an 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 2021-07-11
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: Information belongs to someone else

Complaint:
I have contacted the creditors and all 3 major credit reporting bureaus to correct the information on my credit profile and none have provided any remedy for the fraudulent and incorrect statements reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-03-05
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: Information belongs to someone else

Complaint:
I've already called several times and written several letters, to Experian, Explaining to themand sending proof that they have incorrect names and addresses on my credit report. 

They have responded they continue to leave it not because they are suppose to make sure everything on my report is 100 % accurate but because someone told them it was correct. 

I am not a XXXX. My Father name is XXXX XXXX XXXX I have never been a XXXX, period. I shouldn't have to fight and beg with a company over what MY name is. My name is XXXX XXXX XXXX. Anything other than that needs to be removed from my credit report. 

There is an incorrect fraud/identity theft address on my report. 
I live at XXXX XXXX XXXX XXXX XXXX, Fl XXXX Any other address on my report is not mine have never been mine that is fraud and please remove. 

I'm attaching my id with my correct name and correct address. Anything outside of that please remove, because you are upholding fraud and identity theft if you do not. 


I have file number XXXX XXXX XXXX and 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 2021-07-02
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:
unauthorized inquiries on Equifax from the following companies : XXXX XXXX On XX/XX/XXXX XXXX  plus on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I've spoken to the companies and to the credit bureau multiple times to no avail. Please the inquiries are unauthorized and do NOT belong and should be deleted immediately. They have repeatedly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
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 contacted XXXX XXXX XXXX XXXX by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

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 2021-03-22
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Name of Account /Physical Verification Creditor 1 -XXXX XXXX XXXXXXXX XXXX XXXX THIS IS AN FRADULENT ACCOUNT. Remove immediately. 
Please remove all non-account holding inquiries over 30 days old. 
XXXXXXXX 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 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Thank You, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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:
This information is totally wrong and is damaging my report and does not belong to me. 


XXXXXXXX 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 2023-05-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-10-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called navy fed on a recorded line XX/XX/21. I submitted an application for a refinance and was provided the rate. I asked specifically would that rate change during the application process and the representative said No. 

No Im being told thats not the case and the rate has increased. No one provided a reason to this and I thankfully caught this prior to proceeding. 

When I contacted the bank, they advised they werent going to change this. I told them to listen to the call and you would hear what was stated. 

I dont know if this a bait and switch or just normal deceptive practice by navy fed. But I know if they did this to me, chances are theyre doing this to others, some without knowing its beiNg done. 

They need to not be deceptive or trying to commit fraud against military/veterans or anyone for that matter.

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 2022-09-05
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:
CFPB + Experian, I have 3 unauthorized hard credit inquiries on my latest Experian credit report that I would like removed as soon as possible. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible as they are damaging my ability to obtain new credit.

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 2020-11-09
Company: Experian Information Solutions 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:
THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.

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 2021-09-15
Company: Experian Information Solutions 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:
There accounts on my credit report that are listed on my credit report that do not belong to me. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/ Dear TRANSUNION, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit reports with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX - XXXX Amount : {$4500.00} Party Owed : XXXX XXXX Amount : {$190.00} I am disputing this account due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence 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 non-monetary relief
Consumer complaint received 2019-12-26
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Regions credit card and debit card ( along with several other credit cards ) were stolen on XX/XX/2019. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$1200.00} and {$2000.00} ( and {$300.00} from my Regions debit card ). I reported the cards stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank over their 800 number ( and to the local police department - XXXX Police Department case # XXXX ). 

On XX/XX/2019 Regions charged me a late fee of {$27.00} and then on XX/XX/2019 I was charged a {$38.00} interest charge. When viewing my card balance online the card balance shows as {$0.00} with a minimum payment of {$0.00}. I keep a close eye on my accounts, especially after my wallet was stolen, so I had no reason to think there was anything wrong with the account. I have attached a print screen showing what I see when I view this account online. 

This morning ( just after XXXX ) I spoke with XXXX at Regions credit card line and was told reporting the credit card stolen wasn't enough, I also needed to file a claim to not be responsible for these fraudulent charges. When reporting, the card stolen I absolutely confirmed those charges were fraudulent. XXXX informed me I am responsible for the interest charge, late fee, and balance of the fraudulent charges. I asked her to officially contest those charges, but she has informed me in the meantime I am still responsible for those charges. XXXX also informed me that it could take 30 days ( or more ) to resolve the issue. I tried calling before XXXX, but was disconnected after holding for 15-20 minutes ( this happened several times ).

I had to file a complaint with CFPB ( complaint ID # XXXX-XXXX  ) to get the charge to my debit card reversed, which Regions did and I am grateful for this action. However once again as a matter of policy they do not limit user 's liabilities to {$50.00}, which is the law per the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know ( but every source I've seen says I'm right ). 

In the next step I'm asked to identify the card number for the complaint, but I only have the replacement card number which I will 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 monetary relief
Consumer complaint received 2021-03-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My checking accounts were accessed online on XX/XX/XXXX. Three transactions were created using the XXXX app. A total of {$4000.00} was stolen from both accounts. On XX/XX/XXXX -I noticed my cell phone wasn't working. I could not make any phone calls only send and receive text messages. After getting my phone restored, I went to my online banking to pay bills and was unable to access my account. My password had been changed and security question had been placed on my account, which was : Who was your first crush? So I called Regions Bank XXXX # automated service to check my balance and discovered I only had {$47.00} in my account. I immediatley called back to speak with a live person to report the fraud. The teller restored my account by verifying other information. Thats when she told me two transactions had already cleared. One for {$100.00} and the other for {$1900.00}. She also told me there was another one pending for {$2000.00} from my other checking account. She transferred me to the fraud department, which I was on hold over 40 minutes. Then a female answered, took my information, put me on hold, then hung up on me. I called back to the fraud department, held another 40 minutes or so, a man named XXXX came on, took my information and recommended I go to my bank and file a report with the branch manager. The next day, Saturday, XX/XX/XXXX. I met with XXXX XXXX Branch Manager, Vice President, XXXX XXXX Branch XXXX He took my information and recommend I file a police report. On my way home from the bank I called the XXXX XXXX Sheriffs Office, they sent two officers out to my home. I gave them my statement, and filed the report, case # XXXX. They turned my case over to Detective XXXX. Det. XXXX called me and said the phone number that was linked to the recipient of the XXXX account was used 4 or more times and was unlikely to be caught. He would have to turn this case over. My complaint is my bank, REGIONS BANK and XXXX has refused to restore the {$4000.00} that was taken from my account. I did not authorize XXXX to withdraw any money from my account and I want to be reimbursed.

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 2019-05-03
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had my federal tax refund added to the American Express Serve card through XXXX XXXX website. They said it was faster and easier, in addition I felt more comfortable having a card sent to me than putting my banking information on a website. I was supposed to receive the card on XX/XX/2019 however I never received it. 

I received my federal refund to my Serve account on XX/XX/2019 and called to see where my card was. At that point I was informed that I should wait longer as USPS can be delayed. I spoke to a rep for 5 min 33 sec. I called again XX/XX/XXXX and spoke to a rep for 4 min 39 sec and again was advised the card should be there, that they recommend I wait a little longer as if I requested another card it would cancel the first one if it finally came. I called again on XX/XX/XXXX and spoke to a rep and supervisor for 11 min 54 sec requesting a new card be shipped. I requested they send me a new one Express, however, they advised it would charge {$20.00} to my account for that and they had no way of waiving that. They shipped the new card out regular mail. I received the card on XX/XX/XXXX, I tried to activate it however the 4 digit security code on the front required for activation was double stamped making it impossible to see what numbers are required by their system. I called again and spoke to a rep and supervisor who tried several combinations for 25 minutes 54 seconds. They told me their was nothing they could do about it and would have to send another card out. They gave no resolution or accommodation for their system or machinery problem. I have funds I can not use because of their issues. They give no resolution to make it better. Please assist.

Company response to consumer: Closed with monetary relief