BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
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:
After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/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 2023-07-09
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello my name is XXXX XXXX. I am writing with great concern and disappointment regarding an issue I am currently experiencing with my credit card company. 
I have been a loyal customer of Barclays credit card for several years now, ensuring all my payments are made in a timely fashion, even in the face of difficult circumstances. Recently, however, I found myself in a situation that necessitated a request for some temporary assistance from their company due to financial hardship. 

As you may be aware, the economic situation has been challenging for many families, including mine. I recently lost my job and my household income has reduced significantly. Despite this setback, I have strived to continue making payments on my account to maintain my good credit standing.

I know CFBP has been a strong consumer advocate and often direct consumers to contact their credit card in a time of need. In view of this, On XX/XX/202 I completed an online request for a repayment plan, on XX/XX/XXXX, I received an email advising that I was denied. On XX/XX/2023 I reached out to their customer service, seeking help. My request was to see if my interest rate could be lowered or to facilitate a credit repayment plan that would allow me to continue making payments, albeit at a lower amount. 
To my surprise and disappointment, I was advised that in order to access any form of assistance, my account would first need to be delinquent or default. On XX/XX/2023, I wrote letter to XXXX XXXX the CEO explaining to him my concern. On XXXX XXXX someone from XXXX executive team called and left me voice message advising that they did received my email and would follow up with me shortly. On XX/XX/2023, XXXX from the XXXXxecutive team called to advise me they had no program available for me and that I would have be in default to take advantage of any repayment program. 

This is not only counterintuitive but also contradicts the general advice of CFPB advising consumers to contact credit companies at the first sign of financial distress. Also because my careers is in the financial industry, being in default my be detrimental on my career. 
This policy seems to penalize customers who are proactive in their financial management and are trying to avoid default. This condition leaves me in a precarious position as I try to do the right thing by maintaining my commitment to their company, while also caring for the wellbeing of my family. 

I am reaching out to CFPB in hopes of some form of assistance. 
I look forward to hearing from you and positive resolution that does not entail damaging my creditworthiness. 

My credit card acct ending in 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 2018-11-05
Company: Experian Information Solutions 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:
I have been a victim of identity theft.

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 2021-08-13
Company: Experian Information Solutions Inc.
State: CA
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've sent several letters over the past six months and there has been no change in my report. I am requesting that this is removed from my report. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX  XX/XX/XXXX Experian XXXX  AC XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX-XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  US SM BUS ADMIN ODA XX/XX/XXXX Experian XXXX/XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian CLARITY SERVICES XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian

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 2022-05-19
Company: EQUIFAX, INC.
State: MD
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:
For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX  ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A.

according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX never had any instructions from me.

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report.

I never authorized XXXX to make such reports.

15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: AZ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After having a problem with a Payday Lending company taking too much or charging too much interest I sat with the bank and explained the situation and asked if I could closed the existing account and open a new account to resolve this matter. I was I could, I opened the account. They told me that the old account closed only to later find the account was charged a service which I brought to a XXXX balance this past Friday and i was asked if I wanted to keep that XXXX. I said yes because it should be closed. I don't need two accounts. The next day I realized that they took $ XXXX+ instead of just {$4.00} for maintenance fees. This emptied my new account. I first call customer services to explain that it seems to be a account error. I was told to go back to the bank. I spoke to the person who I originally spoke to changed accounts. He directed me to the teller who served me that Friday who happened to not be working Saturday. I just left the bank today and now they want to direct me to the branch manager but told me they had a right to go in the new account without my authorization. How do they have that right to basically dip into any account when most of the time most banks make it necessary for you to transfer monies from a checking to a saving unless you signed prior authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Re : 30 days late removal I contacted all credit bureaus with regards of removing an error thats on my credit report from Here is the email stating they informed you guys to remove the 30 days late even though the account is closed and says paid in full, it is showing 30 days in my report and it is harming me. Please I have exhausted every effort with Experian and XXXX, and XXXX. They refuse to remove the 30 days late because they are saying the account is closed, but it still shows derogatory info that is not correct. Please remove the 30 days late from XXXX star XXXX XXXX mortgage. XXXX. 


XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you for reaching out. I apologize for the frustration this has caused. 

Once XXXX XXXX submits the credit correction request, it is up to the credit bureau to complete the request. You should be receiving updates from the credit bureau, but you may also contact them directly for an update. 

Please let me know if you have any other questions. 

Respectfully,

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 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Planning for retirement we acquired a rental property. 
From XXXX to XXXX we operated the property without any problems The property was serviced by Countrywide. ( The biggest lender at the time ) In XXXX Countrywide collapsed and was acquired by Bank of America. 
We lost our jobs and defaulted on the BOFA Loan. 
As soon as we regain employment, we filed a Loss Mitigation Application. 
We endlessly faxed updated financial documents to BOFA, but, NO MODIFICATION WAS PRODUCED BY BOFA. ( see attachments ) We were invited by BOFA to a new department called : " Loan Modification Made Easy " ( see attachment ) We endlessly supplied updated financial documents that Dept., but NO MODIFICATION WAS PRODUCED BY BOFA. ( see attachment ) Reading the attachments it becomes obvious, the Modification of this Loan was intentionally delayed by Lenders in order to take a bigger bite into the equity of the house.

The Mortgage Debt Soared by 50 %. 
In XXXX " The Inflated Loan ", was transferred by its owners, to XXXX XXXX  XXXX. 
At this point the THE DEBT INFLATED BY BOFA was now ready to be modified by XXXX in a matter of weeks. 
This Fraudulent Manipulation, made this mortgage unmanageable. 
Today we are being threatened by Foreclosure and Deficiency Judgement.

We are going to take Legal Action if this issue is not solved here.

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 2016-01-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX accounts with Navy Federal that went delinquent a credit card and a consumer loan. They were charged off accounts I started making payments I paid XXXX off in XXXX XXXX and the other XXXX XXXX received paid in full letters saying my credit report was updated and it has not been. I had no knowledge that the account paid in XXXX XXXX was still showing negative on my credit report I assumed it had been updated because that is what the letter said. I have applied for credit and bought a car not knowing this was still negatively affecting my credit. I called them twice regarding the account paid off in XXXX XXXX and XXXX representative stated with attitude it will not be done right away so I informed her that this account was paid over a year it should have been updated she stated would get it over to that department and it should be handled fast forward to XXXX XXXX I pulled my credit report and both accounts are still showing charge off unpaid and is negatively affecting my credit score. I called navy federal again was put on hold speaking with different representatives they informed me it would be updated now it is the end of XXXX and neither accounts have been updated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1567 NOTTINGHAM DRLANCASTER, TX 75134-4150 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2023-01-17
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a Federally Protected Consumer with Federal Rights under the FAIR CREDIT REPORTING ACT DECLARED BY FEDERAL CONGRESS. I have the right to a Fair and Equitable to me consumer report. Equifax is reporting INACCURATE information that should not be on my consumer report. And after multiple attempts of trying to get EQUIFAX to remove the information that should not be there and them not complying. I'm now needing the assistance of the CFPB to help them comply and ensure my rights under the FCRA are enforced, protected complied. EQUIFAX REMOVE THIS ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX from my consumer report. EQUIFAX REMOVE THESE INQUIRIES XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX Remove XXXX STATEMENT FRAUD ALERT from my consumer report. Under the CARES Act furnishers must make accommodations. I have asked these furnishers I'm going to list in this complaint to REMOVE LATE PAYMENTS Under the CARES Act as accommodations and under the FCRA billing errors these late payments should not be on my consumer report. THESE ACCOUNTS ARE ALL EXTENSIONS OF CREDIT, PROMISSARY NOTES THESE TRANSACTIONS WERE ALREADY PAYED IN THE BEGINNING SO ITS IMPOSSIBLE TO BE LATE. EQUIFAX REMOVE LATE PAYMENTS IN THESE ACCOUNTS. XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. UNDER the CARES Act, FCRA remove these late payments, Under the FCRA REMOVE ADDRESS, INQUIRIES, REMOVE CONSUMER STATEMENT. I have the RIGHT TO A FAIR EQUITABLE REPORT UNDER THE FCRA EQUIFAX COMPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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