BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have experienced a few issues with this bank. The was a claimed I filed where XXXX XXXX took {$250.00} out of my account navel federal never showed me proof of authorization which I asked for in the initial claim and the dispute of the denial of the claim. Also I had a claim for XXXX  where part of it was fully resolved and the other part is still being investigated. I dont understand that. When I called I was asked why I filed the claim so far out in a rude manner. Then when I called about it again I spoke to a XXXX that brought up accounts that were discharged in bankruptcy. She was very rude again like most of the reps I speak to here. They make you feel less than a person if you dont hold a certain status on your account. Ive even been told by a rep that I shop too much. Which is a violation of my privacy and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
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 the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXX Acct # 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 2023-08-10
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint in response to the recent investigation. I do not agree with your findings, and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors or agencies that are reporting this information on my report, and because of this, I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
This is my third XXXX  to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PORTFOLIO RECOV ASSOC was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
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:
Delete XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: In progress
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MO
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:
Fraudulent unknown unauthorized credit inquiries WITHOUT MY PERMISSIBLE PURPOSE. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or DELETE THE item from thefilein accordance with paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm writing to express my appreciation to you for your efforts to have some of the false accounts on my credit report removed. But my gratitude is eclipsed by my intense anguish and despair over my identity theft dispute 's unresolved status. 

It is discouraging that not all of the accounts I am challenging have received attention, even though I appreciate the actions that have been performed. I'm left feeling unsettled and upset by this unfinished business, since it puts my mental and financial security at risk. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am aware of the complexity of these kinds of disagreements, but from my point of view, it is imperative to appreciate the seriousness of the circumstance. My credit report is being tarnished by these bogus accounts, which causes me more XXXX and worry with each passing day. 
I beg you to hurry up and see to it that every one of the aforementioned accounts is looked into in great detail and resolved as soon as possible. Your undivided attention and diligence are needed to see this situation through to a satisfying finish. 

I anticipate receiving a written response to this disagreement letter and a promise that my identity theft accusations will be swiftly resolved. I demand that your agency respond in a timely manner as required by law, and I won't stand for it I look forward to a swift and comprehensive resolution that finally puts an end to this ordeal.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: DE
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 listed XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that Experian to re-investigate this unverified XXXX XXXX account XXXX. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. This response was 100 % false and deliberately misleading. ( see attached outcome by Experian as to This item remains unchanged from our processing of your dispute in XX/XX/2023. After receiving this message, knowing the response was untrue and Experian continued to report this inaccurate, misleading information and responding the information will be unchanged, I filed a complaint with the your agency against Experian. Two complaints combined into one, 1st complaint ID # XXXX on XX/XX/2023 and prior ID # XXXX on XX/XX/2023. A parallel investigation with the XXXX and FTC was also conducted. With the now abundant amount of additional evidence provided by me to you and Experian also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. The information has been reported with identity theft. gov, I already sent Experian A FTC report and ID so they could verify my identity. Along with sending out letters to the original collector, I have attached all documents supporting this false unverified XXXX XXXX XXXX account, to be deleted at once. This unverified account has been on my credit report and has been hindering me from obtaining my first mortgage. This will be my last attempt to reach out to Experian before i proceed into court matters and seek monetary relief. Lastly, Experian is indeed NOT in compliance with Metro 2 Credit Reporting.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-08-10
Company: EQUIFAX, INC.
State: SC
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CITIBANK, N.A.
State: DC
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:
CitiBank unilaterally took {$10000.00} from my XXXX  XXXX XXXX bank account on XX/XX/18 and put the money in my credit card account. 

I discovered this on XX/XX/18. I called them and the customer representative told me that they were aware of this, that a ticket has been created. Yet I was never informed nor had they made any effort at that point to return the money. 

I asked for the money back and she said that they would pay me back in 2 business days. Okay, I thought. I have time and will be able to make my mortgage. 

Today, XX/XX/18, a week later, the money still has yet to be transferred. 

I called Citibank again and asked for my money to be returned. The customer service rep said it would take another few days. I asked for the money to be wired into my bank account today because my mortgage is due and he said he could not do it. 

I asked to speak with his supervisor. XXXX got on the phone and informed me that it would take 2 business days for my money to be transferred. I asked for the money to be wired today. He said that he could not do that because he had to follow protocol. I asked if it was protocol for money to be stolen from customers accounts. No. Then, you dont need to follow protocol and return my money. He said he could not do that. 

I asked why it wasnt returned in the 2 business days as I was promised. He said because the money went into validation. I asked why I wasnt informed. No answer. He said it went into validation because it is a lot of money. I said, clearly I know it is because I need to make mortgage and I cant. I asked for compensation so I could pay my mortgage. He refused. He said they gave me extra award??? I dont think extra awards are going to help me pay my mortgage. 

I asked to speak to his supervisor, someone who could authorize my money to be wired today. He said he could schedule a call in 24 to 48 hours. 

I screamed at him to give me back my money. He hung up on me. 

I called back and spoke with XXXX XXXX. She said that she could not tell me when the money would be returned. That it is in approval. They would inform me when it is out of approval.

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 2023-04-28
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:
I would like to dispute an inquiry on my credit report, as I have no affiliation with the creditor in question and did not authorize any inquiry into my credit. Please investigate this matter and take immediate action to remove the inquiry from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : XXXX XXXX  XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX  # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023 I received a letter from Trans Union which I am downloading ( see attachment ), on XX/XX/2023, I contacted Trans Union after numerous attempts i finally ask for supervisor, and he stated that this letter was generated in error. Later on, on the evening of XXXX 2023, I received a encrypted email from Trans Union which I could no open. So on XX/XX/2023, I contacted Trans Union again, three time today XX/XX/2023, and each time I was met with great opposition and hung up on.

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