BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Navient Solutions, LLC.
State: VA
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:
Dept of Ed Navient for XXXX account number XXXX XXXX  XXXX XXXX XXXX XXXX pa XXXX This is XXXX XXXX making a complaint against The department of Navient. Over the last couple of years I have called navient over and over again asking them to look into and remove this account noted above. I have stated that this is not my account. I have a loan with them from XXXX University and XXXX University I'm not disputing that, but I am disputing this one account that they can't tell me anything about other than it came from a company called XXXX XXXX. Upon talking to them on XX/XX/XXXX I was told that there was nothing that they could do for me to call XXXX. From there I was told to make a complaint and they will go from there. I proceeded to state to tthe young lady on the phone that navient also tried to send me a letter after all conversation on the XXXX of XX/XX/2020 stating that I requested a name change and to fill out and return. This was not the case I never asked for a name change. I asked them to remove an item that was not mine as they had done on XXXX  but yet it still remained on XXXX  and XXXX. Now, they removed this last year so I'm thinking that everything is fine until I went to pull my credit again this month and to my surprise it's still there. What they tired to do after speaking to me was trying to do is make me responsible for this account by asking me to put in a name change. I have also was written them letters stating that this was not my account last year around XXXX. I've also complained about this account on numerous occasions years before and it still shows up on my credit report and in there system. At one point they took it off of my XXXX   and when I saw it came off I ask them if they could take it off all 3 reports reflecting what was on XXXX. This item is stopping me from moving forward on buying a home and I like for navient to remove this item from my credit report as well as their system leaving me only on them for XXXX and XXXX University. buy them trying to get me to do a name change is deceitful and I feel like they were trying to call me into being responsible for this loan they got from XXXX XXXX. and I've also noticed when I open up my account with them they have me under another name The name is XXXX this is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: WI
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: IN
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:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away. I am not happy with seeing derogatory marks on my report it isn't fair to me when I didn't make any of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Problem with personal statement of dispute

Complaint:
I received the attached email from someone that is trying to represent Experian. If this email was sent to me from Experian, then there should have been a notation that it was in reference to my CFPB claim no. XXXX! As there is no notation I have to believe that Experian has a data breach happening and I have been included in that breach. If this email is from Experian, I have no issue with providing the requested information, but not until I can confirm that it is legitimate.

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 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse XXXX XXXX XXXX XXXX XXXX XXXX  can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX did not properly post my payment to my account which resulted in a higher account balance being incorrectly reported to the credit bureaus.

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 2023-03-31
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX They holded my bank account when I try withdraw cash. I call them, and that said I will recived call for next 24 hours, and it was not happening. Then I call them again, they said I will receive call by this week, and again I don't recived anything. 
Now is XXXX and I don't received any calls. I make all cash out from XXXX for this account. I pay loan for my car by this account, and now I don't have access to my money and can't pay loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I spoke with the supervisor named XXXX at Goldman Sachs Bank ( GS ). My XXXX statement balance was paid in full ( excluding interest free installment balances ). XXXX trans totaled {$5000.00} and install pmts were XXXX. That totals {$5100.00}. The statement balance was for XXXX. This is an extra {$270.00}. 

Prev Mo ball XXXX Payments total for period XXXX New Trans total XXXX Installment payments XXXX My calculate balance due from above XXXX Statement Balance XXXX Difference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CT
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXX XXXX XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TD BANK US HOLDING COMPANY
State: PA
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 customer service

Complaint:
I issued a charge dispute with my bank and credit card company, TD Bank. The purchase was a washer/dryer set, purchased on XX/XX/XXXX with XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Cost was {$1000.00}. The set was installed on XX/XX/XXXX and the dryer did not work. We tried multiple times to resolve with the seller and after the seller stopped returning our calls, and failed to show up for a repair, I filed a dispute with TD Bank on XX/XX/XXXX. I was told by TD Bank I would have a written notice of the dispute in 30 days, and resolution within 90 days. I have received neither. It is important to note I called TD Bank frequently to get updates since the dispute was filed. Since the 90 days was up, I called XX/XX/XXXX and asked to speak with a manager since there was no update and I was promised a return call. I received no return call. I called again XX/XX/XXXX and made the same request. I received a voicemail message on XX/XX/XXXX and I called back same day XX/XX/XXXX and was told the investigator had additional questions. The questions were repeats of the original dispute I filed. It seemed to be a delay tactic or they did not read the dispute records. 
TD Bank has failed to follow dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ) and I want resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This unverified account of sources receivable account number XXXX is reporting inaccurately. On XXXX  is reporting account status as open, on my XXXX  it is reporting as closed and on Experian is reporting as closed. also there's a past due balance being reported on Experian for {$920.00} but on XXXX  and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified

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 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America on XX/XX/2021 fraudulently submitted a hard inquiry on to my transunion credit file. I called the number on the inquiry because I was not contacted. They told me that was Merrill lynch and they dont see an application. I have extended fraud alerts already and I was not contacted. I did not apply for credit with their institution and I most definitely did not apply for credit. This inquiry is fraudulent, even their credit card department could not locate an application matching my information.

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 2020-03-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased airline tickets online through a third party in XXXX of 2019. 

Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes. 

I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me. 

Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates. 

That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}. 

This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to. 

Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket. 
I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: OK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXhas 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 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 explanation
Consumer complaint received 2023-08-14
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: Account information incorrect

Complaint:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( Equifax, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

Company response to consumer: Closed with explanation