BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NJ
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 noticed a few inquiries on my credit report that are not authorized And also one account is being reported as late but I was never late if I pays on time in XXXX how was I 30 days late in XXXX but on time in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few inquiries on my credit report that are not authorized And also one account is being reported as late but I was never late if I pays on time in XXXX how was I 30 days late in XXXX but on time in 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 2023-05-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
In accordance with the Fair Credit Reporting act 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 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On   XXXX   XXXX   XXXX     I deposited a check into my account for  XXXX . Without cause or notice, the check was reversed. Upon calling the m, FOUR DAYS  LATER, they stated it was because it was third party and signed over to me and to 'just come in '. They stated they changed their ATM rules but did not put a notice regarding the new rules on their ATM regarding depositin g 3p ch ecks, nor did they mail disclosures to their customers.   I have been a customer wi th US Ba nk for a decade. I have deposited numerous third party checks and none were reversed. Because they failed to provide conspicuous notice or mailed/emailed notice of their changes, I was harmed.   Additionally, I am also an e-statement customer who receives notices via email. They have my email, my phone, and address and they did not send me any notice regarding the reversal leaving my balance dangerously low. Under the federal law their are required to ensure expedited deposit availability have the responsibility to notify me when issues aris e. FOUR day s passed since the reversal with NO CONTACT. They failed to perform due diligence, they reversed a valid deposit without cause an d may h ave impacted my ability to obtain a mortgage as I am actively seeking a home and am pre-approved with requirements to release my bank statements for a period of time to validate my application. This reversal severely reduces my average balance.   I would like to ensure this does not happen to anyone else.

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 2017-05-19
Company: EQUIFAX, INC.
State: MD
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:
Reference closed complaint XXXX. My issue is that I did not agree to open or co-sign for this account. They opened it as a joint account with my ex-wife and I did not agree to a joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong account ( s ). Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX    who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navy Federal Credit Union has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the credit reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. 

On XX/XX/XXXX I finally had enough of Navy Federal 's abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. Navy Federal Credit Union sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violation I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They have 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice will be validated. 

I called the debt collection department at Navy Federal today at XXXX XXXX  and spoke to someone who identified herself as XXXX XXXX. She would not provide me with her ID #. I called to get a status on the demands in my cease and desist notice. She asked what did I want a update on. I told her I wanted to know had you contacted the credit reporting agencies to remove the Navy Federal account off my report. She told me, " no because the account is verified that you owe the debt ''. She also told they could not remove an account off my report. I told her that is not true and that if you can create an account you can remove it. I also asked her about the file I requested. She told me I needed to send them another notice to remove the cease and desist before they could send me my account information. I know what she was telling me was not true. At the beginning of the call she informed me that the call was being recorded. So, there should a recording of her giving me false information. 

I had attached a my notice and their response to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-07-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly asked for an update to credit report with all   XXXX   credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have   XXXX     XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, XXXX, and TransUnion to dispute a late payment reported by XXXX XXXX account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX XXXX and TransUnion report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, XXXX, and TransUnion consumer reports. It is damaging and and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX 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 2019-08-15
Company: Experian Information Solutions Inc.
State: NJ
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 had a furniture credit card with XXXX XXXX in XX/XX/XXXX. This card was paid off. A court case was filed and I fought it. I won the case after submitting my payment receipts in court onXX/XX/XXXX. The Banks attorney appealed. I again won the case on XX/XX/XXXX. Subsequent to that on XX/XX/XXXX they stopped pursuing the case. Court documents and the other correspondence were submitted to all three credit reporting agencies and XXXX AND EXPERIAN have both refused to remove the negative reports. I filed complaints through CFPB in XX/XX/XXXX ( XXXX and XXXX ). The lawyer and XXXX responded. This was also submitted to the credit bureaus and the Negative report is STILL attached to my file. What is it going to take to get them to accept my court order and update my file? Its been YEARS! Ive had to keep my files frozen so as not to be negatively impacted for years! Ive attached the pertinent information. Ive been unsuccessful in disputing this item directly with Experian and 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 2022-04-12
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to inaccurate items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Karma had a XXXX dollar guarantee if you applied for a credit card and did not get approved. I applied did not get approved and never received the XXXX dollar gift card, I have reached out to this company almost half a dozen times via live chat and they always tell me you will be emailed, and i never receive an email. I submitted a complaint with the support email one week ago and still have not gotten a response. I believe this company may be fraudulently offering a XXXX dollar gift card in order to get you to apply for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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   XXXX   client  XXXX   XXXX  is an identity theft victim ; his information was used without his consent to apply for several credit accounts. These application created fraudulent inquires on his credit reports, the creditors were notified of this activity via a formal dispute as outlined under the FCRA. After disputing an inquiry twice with  Capital One the inquiries are still being reported to the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

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 2023-11-02
Company: EQUIFAX, INC.
State: NY
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:
I called all 3 reporting agencies XXXX, XXXX and Equifax!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX  from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX  name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!!

Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
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: Old information reappears or never goes away

Complaint:
My credit score is inaccurate it should be higher. There are old information that should have been removed a long time ago. There are inaccuracies in the report.

Company response to consumer: Closed with explanation