BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was told to resubmit since it wasn't specific enough before. In XXXX I was put in collections by the XXXX XXXX XXXX for a tow after being hit by a drunk driver with no insurance. The collection, which I disputed at the time remained on my credit report from XXXX through at least XXXX when I stopped looking. In XXXX, a full decade after being off of my credit report, and 2 full 7 year periods for collections being allowed, a new collection agency called XXXX XXXX XXXX, ( partial account # XXXX ) has tried to restart the collection process from the beginning. I have reached out to Experian multiple times to get this illegal collection removed from my report but they have told me that they don't actually do anything except verify identity. My dispute is that you can not put a collection on someone's report for 4 out of the 7 year period, stop and then wait 10 years and resume like nothing happened. There are statutes of limitations and laws against double jeopardy. You also can not have someone in collections for 4 out of the 7 year period and then start over on day 1. As of now the item will not drop off my credit report until XXXX, which will illegally extend a 7 year reportable collection to 21 years. Also XXXX XXXX XXXX does not have the right information about me and is reporting an address for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, that I have never lived at, not related to anyone who ever lived there, no friends who have ever lived there, and I have never even visited. This needs to be removed as well.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.

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 2021-01-03
Company: CITIBANK, N.A.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called Citi bank and advised them that I made two payments in XX/XX/2020. I learned that I was being scammed and I requested to have the bank transfers reversed and put the money back into my account. I also gave them my report number of XXXX with the Federal Trade Commission. 

I paid {$9000.00} on XXXX2020 and I also paid {$4800.00} on XXXX2020. I spoke with XXXX at XXXX. A week later she told me that they had sent an inquiry to XXXX XXXX, but there was no reply yet. I also filed with ic3.gov ( FBI ). 

Why can't Citi just pull back the transfers for both of my payments now that I had reported the scam?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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:
I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!

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 2019-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
By manipulating circumstances it appears Citi is setting cardholders up to increase the likelihood of missing a payment so that interest may be charged.

Cardholders enrolled in paperless documents will receive their monthly statements via email. Citi says to enrollees that they will also receive a 5 - day notice prior to a payment becoming due.

The 5- day notice is not sent, the statement that was sent easily goes unnoticed because Citi sends copious amounts of spam email. The cardholder may then be charged interest. To placate the cardholder to accept interest charges, Citi may withdraw their late fee.

Upon receiving the late notice the cardholder may try to prevent similar issues in the future by logging into their account online, I found that the website changed its navigation for the cardholder with an overdue balance in such a way as to have the cardholder link payment to a bank account.

Setting preferences on the website for balance alerts via text was broken for this cardholder.

Phone and chat contact was established with seven Citi personnel whereas assurances were made but not fully delivered.

Not unlike XXXX XXXX, it appears Citi administration is gaming their unwitting account holders.

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 2020-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I am in possession of a check dated back to XX/XX/2004. in the amount of {$6900.00}. I came across the check behind my file cabinet un-opened. I am not sure when or how the check made its way to me because the address on check is off by one digit. The check was generated by Chase bank and shows check #, vendor #, company # as well as routing and account number drawn from. After going to branch I was told they should be able to get me a replacement after research department completes investigation to determine the check was not cashed. I faxed a copy of check with letter of explanation requesting assistance. I called weekly for update and was told they can't assist me further because the mortgage account associated with this check is inactive. they provided the mortgage account number XXXX. I asked to speak to a supervisor and supervisor wouldn't come on the phone. I told them to provide me with a name or department that may be able to look further into this and I was told this is the last step. I asked them how can this be the case and how could I simply forget about a check in the amount of {$6900.00} and I was told I should have cashed the check when I got the check. I informed them that I would have to pursue this further and was told to do what I must.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: STERLING JEWELERS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I looked at my report and saw inquiries that I did not do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I previously disputed a matter concerning XXXX XXXX XXXX XXXX, where I disputed a business auto loan appearing on my personal credit report for the specific XXXX XXXX XXXX XXXX account. This account should not be appearing on my personal consumer credit report because the vehicle was registered in the name of a business and the account is a business account, not an individual account. 

I should have only one XXXX XXXXXXXX XXXX XXXX account appearing on my personal consumer credit report, the account I am disputing is a business account. Where the account I am disputing is an XXXX XXXXXXXX XXXX XXXX account established in the name of a business and not individual person. Wherefore, I request that this matter be investigated and removed from my personal consumer credit report. 

Transunion failed to address my dispute or investigate. Even provided me with incorrect dispute verification information. I received notice from Transunion that the " XXXX XXXX XXXX-VERIFIED AS REPORTED. '' I didn't dispute the XXXX XXXX account, it appears that Transunion never investigated my disputes for the XXXX XXXX XXXX XXXX  as I was provided only verification for XXXX XXXX account which I never disputed in the first place.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: AL
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 account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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 explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to pull both my credit report and credit file and was given the message from Experian, XXXX and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to a major data breach, and my spouse receiving four debit cards in the mail from various online banks, I tried to place a security freeze at Clarity Services , Inc. We each already had security freezes in place at the XXXX  major credit reporting bureaus and XXXX . It was not difficult to place the freezes at any of these agencies. The Clarity Services website allows for an online request but it always returns an error and demands that I mail or fax them a copy of my social security card and driver 's license. I also tried to place the freeze by phone and had the same result. Given that none of my information has changed in at least XXXX  years, and that I had no problem at the other agencies, I am very suspicious and angry about having to do something so risky with my sensitive documents. This is triply true after I XXXX  Clarity Services and see that they have been fined in the past for doing very shady things with people 's data. I imagine that if I fax or mail them all my documents, they will take that information and sell it on the dark web. This is obviously a shady company and they have made me a XXXX by refusing to put a credit freeze on my account because either their system is terrible or they want my documents for nefarious purposes. We're trapped!

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 2019-04-05
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
so in light of your recent response I want to take you guys to arbitration for the XXXX you guys dont seem to resolve my dispute and I have proof from XXXX   there was damage to the computer and it was not as decsrbice I tried to email you several times and no response so I either want a refund for the XXXX or I will take you to attrition for this and I am letting you know right now I wish to go to arbitration.

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 2023-01-26
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied for a $ XXXX loan with Navy Federal Credit Union to help pay off some debt. I submitted my application and was denied based on information in my consumer report. Well, I appealed their decision and was yet again denied based on information in my consumer report. I have been discriminated against based on bias information in my consumer report which is against the law. 

I, the consumer a natural person, was denied credit by NFCU when I applied for a $ XXXX loan on XX/XX/2023 Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691C and is pursuant to civil liability under 15 U.S.C. 1692k. You can not deny me based on information in the credit profile as that is discrimination which is prohibited and a violation.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by NFCU.

NFCU is in violation of 15 U.S.C 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

You are in further violation because my social security number ( credit card 15 USC 1602 ( L ) ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU.

If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for all violations ( { {$1000.00} } per violation ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
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:
I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.

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 2021-03-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian and spoke to XXXX on the XXXX team who was very rude. He didn't want to file my dispute with the agency even though I explained to him multiple times that I tried to contact the agency reporting and there was no resolution. He asked me to " harras '' the agency to remove these fraudulent inquires.

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 2023-06-08
Company: NAVY FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered into a contract to build a new home with a builder starting in XXXX of XXXX, with our last change request being dated XX/XX/XXXX. I am currently on title to the property and also am carrying the construction loan through a local bank. Knowing that my home was on schedule to be finished, I started to inquire about interest rates in XXXX starting first with my construction lender. They had completed an appraisal on the home at the time of constructionand also were familiar with how to process and underwrite a long-term loan that pays off a construction loan. Based upon their rates, I decided to inquire with Navy Federal Credit Union. I was excited about the rate program and was confidentwith the conversations I was having with the mortgage lending team and thus I appliedfor the loan. Over the last 30-days, the confidence that I had has been shattered due mostly to an appraisal situation. Understanding the value is subjective, I realize that I can't make any argumentswithout supporting data and thus, I sought advice from local lenders and appraisers to ask what I should do. I won't waste your time in explaining everything that has happened up to this point. What I would like is a conversation with someone that understands XXXX guidelines and procedures. The reason for this is that based upon my research, I believe that there are at least 3 XXXX violationsthat directly relate to the appraiser 's ability to establish a value on my home. The most obvious being that the appraiser doesn't reference the current contract or the fact that the property sold within the last three years. There are also additional comps that have not been considered. At this point, I am not confident that Navy Federal is looking out for me as a consumer and is forcing me into a higher interest rate situation because of their lack of openness to an educated and open discussion. This is very frustrating to me and my family because while making this commitment to NFCU, interest rates have increased and so my option to lock in the fixed rate that I could've taken in XXXX is also no longer available. 


Why exactly can't I have a reasonable discussion with a decision maker who is versed in appraisal guidelines? I would like a reconsideration of value based upon the deficiencies found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation