BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 recently checked my XXXX credit report and I seen unauthorized inquiries on it from capital one that I didnt authorized. 
I tried to fix the problem with XXXX but they told me I would have to call Capital One. 


Unauthorized inquiries are : Capital One. XX/XX/2019 Capital One. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This happened years ago, before the CFPB existed. 

I notified Sallie Mae multiple times that I wanted my extra payments applied to the principles of my highest-interest loans. I called them when the principles were instead applied to my lowest-interest loans. They never changed it, and eventually I gave up. Please make them stop doing this to people!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: FB FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I changed insurance companies and was told Firstbank would be notified of the change. I received a letter stating that if I didn't upload the declaration page of my new insurance I would be charged for insurance they would purchase. I immediately uploaded the declaration page. I called a few days later and the representative told me it was received and assured me it was resolved. 
I got another letter the following month stating the same thing. I uploaded the information again and this time I got a text XX/XX/29 ) that it was received and was being processed. 
I then got a letter stating that since I had not responded they purchased insurance on my behalf. I called and the representative assured me that they have the current insurance information and declaration page, and he didn't know why this was happening. He said they had charged me for the monthly premium on the second policy and would refund it. 
Then I got a letter stating that the escrow account they had opened was not sufficient to pay for the 2 insurance policies they had purchased for me and my monthly mortgage payment was going to go up almost {$300.00}.

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 2020-12-30
Company: National Credit Systems,Inc.
State: CO
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:
Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion have incorrect Address on they reported stoping me from uptain credit card an home loan an why I can't contain a correct credit score everything must be correct I requested everything should be removed off my credit report due to false address an name should appear what on my driver 's license XXXX XXXX XXXX no lot my name it's XXXX XXXX what's on my state issue identity card

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 2020-12-12
Company: CITIBANK, N.A.
State: NY
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 check my credit reports, with the three bureaus and always wondered why my XXXX  profile never reflected onto my XXXX  and XXXX  page. With the hard inquiries I already disputed months ago with XXXX, deleted inquiries, I never asked for and so on. For XXXX  and XXXX  I learned that every credit bureau is different and doesn't update your profile based on what the other credit bureau does on your credit file. So for XXXX  and XXXX  I had to re dispute those hard inquires that were still on my credit file. For my XXXX  credit report I have a hard inquiry dating back XX/XX/XXXX, called CBNA. I called CBNA ( Citibank ) on XX/XX/XXXX, Citibank personal, Citibank business, and Citibank credit card customer service, gave them my social number and all told me they don't see an application for that date, etc. I call Citibank in the first place because I ask XXXX  to explain what is their dispute process, etc. They obviously told me contact the company of the inquiry, which I did. I spoke to about 5-6 Citibank agents because all of them clearly didn't see an application and really couldn't help me because they told me I would have to speak with XXXX. I asked for a letter from Citibank to give as documentation for XXXX, but seems they can't provide that. So I called XXXX  explaining the situation, which they probably don't believe me because at the end I can't provide documents, but its not my fault. So it's basically back and forth. So I disputed over 2-5 times of that false information because Citibank stated they don't see an application for XXXX, XXXX, XXXX. So it was authorized by me because I never wanted a Citibank credit card. Obviously me just disputing that hard inquiry through XXXX  website they never delete the hard inquiry, all they say is hard inquiries are a factual thing. I may understand due to no documents, but if I spoke with Citibank, they couldn't find that application and stuff, this hard inquiry might be a mistake? If in the dispute results show they didn't delete the inquiry then that means Citibank told me false information and XXXX  something different. I gave Citibank my social security number and every other personal information, which they have recorded lines and they all state they didn't see that application, dating 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: Transfinancial Companies, 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 never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: VA
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 contacted XXXX XXXX as well as their collection agency XXXX. XXXX informed me that XXXX XXXX XXXX closed the account and are no longer attempting to collect on the debt. They were reporting the account as open to Equifax and that was recently disputed and resolved, however, they are reporting a past due amount and payment history which are both violations for a charged off account. I disputed this and they refused to correct the error. I attempted to contact them about the matter and they said that there was nothing that they could do and both collection companies kept giving me the run around. I am asking that this be deleted from my report as it as been reporting inaccurately for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
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 have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me. please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXX XXXX XXXX : {$44000.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXX Balance : {$9800.00} XX/XX/XXXXXXXX Balance : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 2023

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 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
15 USC 1681 C-2 XXXX XXXX # XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights 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 non-monetary relief
Consumer complaint received 2022-04-15
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:
I have tried to fix this situation for more than a year and experian is still reporting inaccurate information according to the fcra if the information across all 3 bureaus need to match and be accurate or must be deleted promptly. It is still not accurate.this is so frustrating. 15 U.S. Code 1681n States a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have proof of more than 10 violations that I have sent with previous attempts to resolve this. They have had so much time to delete XXXX well over a year and rectify the situation if this is not resolved promptly I will be taking to litigation

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is refusing to adhere to According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from an alleged identity theft. I submitted a complete Identity Theft Package and the credit bureau is only willing to dispute the fraud account which wont lead to no where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
Frankly XXXXXXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXXExperian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Experian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

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 2020-12-31
Company: CITIBANK, N.A.
State: IL
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:
I have two credit cards through Citibank. Around XXXX 2019 one of my on-time Citibank credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting Citibank support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in Citibank 's " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and XXXX  have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX  and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX  is still pending. I am including all three companies : Citibank, XXXX  and XXXX  on this complaint.

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 2023-10-19
Company: EQUIFAX, INC.
State: NC
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.

Company response to consumer: Closed with explanation