BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Macy 's opened a second credit account in my wife 's name without her consent. We already have an original credit card in her name which we received and accounted for many years ago. Both cards were issued by an entity called Department Stores National Bank. We only learned that there were two different credit card accounts because we received a telephone call for non-payment of a bill when we had paid the bill on the original account. Apparently they shipped her a card for the new account making it seem like she had received an " award '' for her prior shopping. In this manner they were able to collect interest for an overdue payment. On the back of the new card there is, in very fine print, a statement that says, " By use of this card, you agree to all the terms and conditions in effect at the time of use. '' To be clear, we never authorized the opening of a second credit account and consider this action to amount to a fraud. Upon contact from Macy 's on XX/XX/2023, we immediately cancelled the second account.

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 monetary relief
Consumer complaint received 2022-10-07
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:
XXXX and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!

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 2023-05-12
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT IT IS A NEW COMPLAINT AGAINST THE SAME COMPANY DUE TO FRAUDULENT GOUGING OF AND ADDITIONAL {$1000.00} IN A MONTH 'S TIME AND NOT EVER SENDING ME A LETTER WITH THE INFORMATION OF WHO THE THIRD-PARTY COLLECTOR IS THAT HAS THE LOAN AND MY TITLE THAT THEY CHARGED THE LOAN OFF AND SOLD IT TO!!! My payoff on my Honda XXXX XXXX XXXX XXXX  was quoted to me at the bank when I was trying to refinance at the beginning of XXXX XXXX at {$4800.00}, now saying it is {$5800.00}, that is an increase of over {$1000.00} in less than a month!!!!!!!! THIS IS FRAUD!!!!! What are you going to do about it as a government regulator??? I am also going to pass this on to the FTC and my lawyers!!! I am not paying a XXXX XXXX until they lower my balance back to what it was a month ago and if they don't, I will file a lawsuit and get my title!!!!!! They also did not even send a letter to me showing who the third-party collection agency they charged it off to is, another breach of the FDCPA I can sue them for too!! 
Principal : {$5500.00} NSF Fee : {$50.00} Late Charges : {$170.00} Interest : {$46.00} Balance : {$5800.00} XXXX THEY SAID THEY CHARGED OFF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: CA
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:
After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free Equifax Annual Credit Report online. '' -- Equifax " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: SYNCHRONY FINANCIAL
State: MA
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 shows a hard inquirie on XX/XX/2017 on all three credit agencies. I have gone thru the the endless cycle calling back and forth to XXXX and the credit agencies. XXXX did send some paperwork requesting my of my information, in which I submitted the paperwork ands its been 8 months. I never applied for there airline credit card. So can please help to rectify this situation.

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 2021-05-14
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I deposited {$350.00} into my account and immediately my account got locked. I made contact with the financial institution and they refused to unlock the account and for 9months I've been trying to get my {$350.00} returned to me and they will not return my funds. They claim it'll be returned back to me via check, but they never send anything.

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 2021-05-14
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my fiance and I found are dream house. I was working with Rocket mortgage to get pre-approved. Which happen two weeks before I found the house. So we went bid on a house and are offer got accepted on XX/XX/XXXX the only thing the sales people wanted us to do is try to get closed on the house in 30 days. I called my Rocket mortgage agent XXXX and he said that will be find as long as I ha e my paperwork then need to be turned in by XX/XX/XXXX because they needed 3 days to write the mortgage up. So with him telling me that it would be no problem I went ahead and put XXXX XXXX down for earnest money and did all the inspections. So come around XX/XX/XXXX the week of closing a problem comes up where their couldnt use XXXX of the closing mo ey which to close was only XXXX plus my two month rents I needed to be safe. So I was told if I could get a gift that would cover up the XXXX that we can still close on the house. So I called my aunt XXXX and she called my agent which had switched because of the XXXX XXXX we need to close. This agents name was XXXX XXXX who inform my Aunt when she was learning the best way to give me the money he then told her I would need XXXX to get the house on my own. Which didn't make any since because my closing cost was not over XXXX total. But know he was saying they was my XXXX I had in my account plus another XXXX on a FHA loan that we don't have. I really feel the mortgage people just keep telling us when to have the mover ready and other things like that to makes us fill that the house was still goi g to be are just to pull up at the last minute to say we need XXXX more. I feel they were unethical and lie about what was going on in the process if I would have know about the other XXXX I wouldn't have put my earnest money down and now we are having g trouble getting it back from the home sales people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX XXXX the scammers first contacted me through XXXX from my best friend XXXX XXXX profile. After the scammers begin the texting through XXXX and that profile shows my friend XXXX XXXX information. 

This person XXXX XXXX with a telephone number XXXX, stole my best friend 's information and used her identity to commit fraud, and took {$380.00} from me. The XXXX account is enrolled as XXXX. The transfer was done through Citizens Bank mobile banking App. I opened a fraud claim # XXXX with the bank, but the bank, is ignoring my claim and done nothing. 

I was deceived because the scammers impersonated my friend through via text message, XXXX, and it was her profile and name that was being used- I thought that they were XXXX XXXX XXXX 
As result of this I lost {$380.00} and Citizens Bank is not helping me with the case I already opened. I contacted the bank several times requesting the refund from this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-08-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX entered into a consumer credit transaction with Navy Federal on XXXX XXXX. This consumer credit transaction arose from my credit card. 15 USC 1601 defines a Credit card as any card, plate, coupon book, or other credit card device existing for the purpose of obtaining money, property, labor, or services on credit. The Credit card that was used for this consumer credit transaction was my Social Security Card. My Social Security card/ number belongs to the Social Security Administration and anything purchased with my Social Security Card is the obligation of the United States XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX Balance {$660.00} XXXX  XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX, XXXX XXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
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 REQUESTED INFORMATION FROM EACH COMPANY ASKING THEM TO PROVIDE PROOF THAT THESE ACCOUNTS BELONG TO ME. THEY DID NOT PROVIDE PROOF AND THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT PROVIDING PROOF THESE ACCOUNTS BELONG TO ME. 

XXXX'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEENSTOLEN AND USED FOR FRAUDULENT PURPOSES.

Company response to consumer: In progress
Consumer complaint received 2023-06-09
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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX ACCOUNT # XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experians data furnisher has sent me a letter saying they deleted the bankruptcy but experian isnt removing it from my credit file. This a direct violation of frca 15 U.S.C 1681 et seq..

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 2021-08-03
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT SYSTEM INTL IN is claiming that I owe them { {$150.00} } but this debt is not mine. I am a victim of identity theft. Please Remove this inaccurate collection from my report. Attached is my notarized affidavit and police report proving identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to delete immediately : 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 2023-06-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
Good evening, I want to report about the account that is in my profile but this item is not mine. Its fraud item and mistake. I reported to Identity theft bureau. Please remove this account reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
submitted a dispute for incorrect information reporting regarding a collection account. the balance reporting is inaccurate and should be XXXX. attached is a screenshot showing the inaccuracies and XXXX is saying the info is valid.

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 2023-07-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending letters to the debt collector & the credit bureau in an attempt to have the debt that they say I owe verified, as well as get proof of this so called debt. Multiple times they have refused to provide proof of my wet signature or any proof at all of this alleged debt.

Company response to consumer: Closed with explanation