BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst! 

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Called capital one to check and pay balance. Was told i had fraud alert. They asked for phone number tAMTRANSACTION TOOK PLACE ABOUT 3- 4 AMend text for ID VERIFICATION . SAID THAT THEY CANT SEND TEXT MESSAGE. BUT WAS ABLE TO SEND LINK TO WEBSITE TO SUBMIT ID PICTURE. STILL NO ISSUE RESOLVED. LAST USE OF CARD WAS AT A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN. THE REGISTER DECLINED FIRST TRANSACTION OF XXXX. SECOND TRANSACTION WENT THROUGH. ANOTHER TRANS ACTION WAS MADE AT FUEL PUMP FOR XXXX DOLLARS. AGAIN FIRST TRANSACTIO. WAS DENIED. WENR INSIDE TO PAY THE SAME HAPPENED. THEN IT WENT THROUGH. THEY MUST HAVE SOME SCANNER THAT GETS CARD NUMBERS REMOTELY. TRANSACTION TOOK PLACE XXXX AM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency didnt produce validation of debt owed. 

Collection agency is in violation of my ucc1 statement agreement 15 1602g - We are the creditors 18 2331 - Definitions of terrorism and Nationals of US 15 1692b - 3rd party failed to identify themselves 15 1692e - False representation 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.

15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not initiate these Accounts 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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:
Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also 2 inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX As you can see- they have it on there twice. 

XXXX XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
During mid XXXX in between XXXX XXXX me and my fiance were robbed at knife/gunpoint by several masked indivuduals they took our wallets, keys, and phones ( which were not password protected ). Following this incident me and my fiance filled a police report that same night ( case number : XXXX ). However, i did not know which cards i had on my persons so I was not sure until i saw the charges. On XX/XX/XXXX I opened my navy federal account and noticed there were several transactions on my account that totaled XXXX XXXX As soon as I noticed this I called navy federal and explained everything and filled a claim. On XX/XX/XXXX I received a letter from navy fed saying that the charges were authorized and that they would not be giving me my money back. Keep in mind I researched and found the merchants and physically went to every single one of them and none of them had seen my face or my partners face. One store was a XXXX store i spoke with the employees and they stated that a purchase someone made matched the last 4 digits of my card and they also attempted mobile purchases from my mobile device that they stole as well. I asked them what they bought and they told me it was against the law for them to tell me exactly what was bought but they did tell me it was a firearm. Keep in mind that XXXX  bought in my state ( Virginia ) have to be registered to a social security number in order to complete the purchase. You can run my social security and my partners social security and there are NO REGISTERED XXXX  in our names. Also, keep in mind me or my partner do not own guns we are heavily against weapons. That charge alone was around XXXX XXXX We do not have any XXXXs registered to our names this clearly shows that the purchase was not made by us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX XXXX  {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me Navy Federal Credit union {$21000.00} Fraud Account does not belong to me Navy Federal Credit union {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Their investigation did not fix an error on your report

Complaint:
Equifax has refused to remove the three fraudulent inquiries. Ive also sent in an FTC report. They still havent removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SUNTRUST BANKS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXX - I responded to a promotional credit card offer from Suntrust ( offer attached ). As part of the application process, I provided account information for my XXXX XXXX Credit Card as a card balance I was interested in transferring. This account is currently under a 0 % interest promotional period until XX/XX/XXXX. I was interested in transferring the balance before the promotional period expired. 
XX/XX/XXXX - I received notice via e-mail that my application had been approved for a credit line of {$2300.00} ( see attachment ) XX/XX/XXXX -  I received a letter from Suntrust stating that since my approved credit line was less than the balance I had requested to transfer, Suntrust would transfer {$2300.00} of the approximately {$4500.00} balance from my XXXX XXXX account unless I instructed them otherwise. 
XX/XX/XXXX - I e-mailed Suntrust customer care using the only e-mail contact available on the Suntrust website advising that I was not interested in transferring a partial balance from my XXXX XXXX account and specifying two smaller balance accounts to transfer instead ( see attachment ). 
XX/XX/XXXX - I checked my XXXX XXXX balance and realized that Suntrust had transferred {$2300.00} against my instructions and against their written policies ( see attached disclosure ). After a little more research, I determined that Suntrust had transferred not only the XXXX XXXX balance that I had instructed them not to, but the smaller card balances that I had requested resulting in my having a balance of {$3800.00} ( {$1500.00} over my approved credit limit ). I again e-mailed Suntrust and requested an explanation ( see attachment ). 
After several e-mails and telephone calls to Suntrust 's Customer Comment Line ( which uses a very complicated automated system and has many tiers of CSRs without the authority to resolve the issues ), I received a voicemail message yesterday from XXXX XXXX, a Suntrust representative, advising that they had e-mailed XXXX XXXX and asked them to return the {$2300.00}. XXXX XXXX stated that that was Suntrust 's final resolution to the issue, and they had no intention of taking further action. 
A copy of my Suntrust statement is attached showing that Suntrust charged interest on the entire {$3800.00} balance and is currently showing a minimum payment of {$1500.00} due on XX/XX/XXXX. 
I have worked for years to maintain and improve my credit score.  That is why I applied for this card. Instead, Suntrust 's actions have already caused my credit score to drop 72 points. If they are allowed to require a minimum payment of more than {$1500.00} in two weeks, I will never be able to recover. If their actions were good faith errors, why are they not interested in correcting 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 2022-04-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with The Fair credit reporting act. The list of the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # 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 206A States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts 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 items of information, other than records of convictions of crime which antedates the report more than 7 years. 15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Resurgent Capital Services L.P.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Notice for validation of debts. 

( a ) Validation information required. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. 
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). 


1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. XXXX debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, XXXX  debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
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:
It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
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 2023-04-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
STATUS Navy Federal made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederXXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that our member established the following Navy Federal accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the Navy Federal Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. XXXX XXXX gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My servicer Navient keeps placing me into forbearance because I can not afford the large monthly payment of my loan. This is costing me about {$12000.00} per year in capitalized interest and that number continues to grow. I will never be able to afford the payment. The servicer has not offered me any other options. I believe the servicer has also incorrectly reported missed payments to credit bureaus. How would I have any missed payments if I have been in forbearance for three years?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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