BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
XXXX IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX XXXX & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. XXXX  confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY XXXX. AGAIN I ASK FOR ACCESS XXXX ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY XXXX PERSONS MATTER!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

has violated my rights. Or list of inquiries 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 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 2020-04-16
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: Information belongs to someone else

Complaint:
www.myequifax.com IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX  XXXX  & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY  XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. Equifax confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY  XXXX. AGAIN I ASK FOR ACCESS www.myequifax.com. ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY  XXXX PERSONS MATTER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2023-02-08
Company: Experian Information Solutions 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:
XX/XX/XXXX I filed a dispute with the Experian credit reporting agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor XXXX XXXX XXXX sent me a letter stating that it was being removed. and as of XX/XX/XXXX, XXXX XXXX XXXX WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND EXPRIAN IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN 30 DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF 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 explanation
Consumer complaint received 2023-08-16
Company: NAVY FEDERAL CREDIT UNION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I receive a notification from the XXXX app on my phone. The message says that " NAVY FEDERAL CREDIT UNION recently checked your XXXX  credit file for an installment loan or new bank account. ". 

I don't open any new account with any lender, I have frozen my credit report. Don't recognize this application. In effect is an intent of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, Transunion and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!

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 2020-04-16
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been operating business as usual but I have had a higher transaction volume and amount. The account was asked to provide more info to verify, fine I did that. Minutes later, it had to be automated my account was closed. Now I have to await up to 180 days for the money. MY customers have paid for orders, I have inventory to buy. MY family is now being effected, I am being effected, my business, wellbeing, mental health. I need my money so I can continue to earn money and do business. I have upset customers now and it Is because someone is holding MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to call several times and no one will answer the phone. I have disputed this account with my credit bureaus and it gets taken off then reappears months later. They will not send proof of the account being mine. They have not sent any letters in the mail for me to dispute and no way to contact them to dispute the collection. The account is over XXXX years old and statue of Limitations is up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 to report on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-04-16
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: Account status incorrect

Complaint:
Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. Equifax, XXXX  and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account showed up on my credit report. There is no written or physical documentation that I signed saying that I will pay or owe Southwest this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from my XXXX  credit alerts I have a medical collections in the amount of {$91.00}. 

The collection agency is Phoenix services has placed a fraudulent collection account on my credit profile.

I never received any written communication of this alleged debt and I have not resided in the state of Florida in several years- so I am disputing the validity of this account. 

I am requesting the original signature in which I agreed to have services rendered and documentation an contractual agreement to pay/ with the specific dates. 

I strongly believe this is a violation of HIPPA and plan to pursue every possible avenue to prevail this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i been applied for my UI benefits and got confirmation that evrything would come through. i've found out i've gotten three payments into m account and have yet to receive my prepaid card. i filed on XX/XX/2020. i really need my card and been trying to contact someone on whats going on and haven't received a response yet. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I, XXXX XXXX, hereby appeal my Chase bank which account number is XXXX, has charged the insufficient funds fee without my permission, thereby I request the following charges to be refunded. Here is a list of the total amount is {$1400.00} on 43 items each {$34.00}. 
XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe our mortgage company, XXXX XXXX XXXX, violated a federal law. They are selling our mortgage, which I realize they have every right to do. However, the tranfer date is XX/XX/2019, and the date I received the notice was after XX/XX/2019 ( I did not collect my mail for a couple of days, but informed delivery from USPS shows it as arriving after this date, likely on XX/XX/XXXX ). Since mail from the company generally takes only a couple of days to receive, I know the letter was not mailed until some time after the date of XX/XX/2019 shown on the letter. Either they just put a random date on the letter, or it sat in their outgoing mailroom for a lengthy period of time. Two days notice of the sale is nowhere near the fifteen required days, and I do not believe a good faith effort was made to notify us in a timely manner. A check which should have gone to the new company was mailed before we even received the notice ( I know we're covered by a 60 day grace period, but I can envision a headache over it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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