BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX or so I contacted the collections department to see if they would waive the last payment of the loan. The person in collections had to transfer me to a different department I think it was settlements, I don't recall. I was told because the amount of the loan is less than what the car was worth the money could not be waives. I made a comment that I will have to make the payment whenever I have it and disconnected the call. I has this loan for 72 months NEVER had a payment reported late, amazingly after disconnecting the call, I get a hit to my credit for late payment. I did not see this on credit until after I paid the vehicle off which was actually the NEXT day after speaking to the gentleman. That late payment brought my score down XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America XXXX XXXX XXXX is managed by two people who have multiple job labels and run this whole company which revenues {$900000.00} there are two systems that bank of America have XXXX is the claims system and the other is the fraud system there are transactions on the fraud system that are from this XXXX  XXXX XXXX located in XXXX XXXX that has been rerouting my claims and my funds for a couple years. The claims department can't see these because they are recurring charges and they automatically gothru and are deducted from my account once there is money deposited in my account. I know that there is something going on because the people at the bank XXXX like they are helping me and I leave without any understanding for why this is happening to me and they try to make me feel like XXXX XXXX  owe me {$60000.00}

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 2023-08-09
Company: EQUIFAX, 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
About three months ago I opened the secured card with a {$300.00} limit. Cap one then processed a charge of {$1500.00}. I didnt authorize this charge and am shocked since the credit limit is only {$300.00}. Im also shocked because they call me if I buy a big gulp at a new XXXX but they didnt contact me for a large charge on a new secured account. 
As a result my credit utililization is over XXXX XXXX and i! am XXXX days late as i cant afford the payment. This has caused my score to drop by XXXX points. My innlrocess mortgage was declined and I am paying more for my car finance and car insurance. I cant find a rental with my new lower score I only wanted to rebuild my credit after thenimpact of XXXX and a bad divorce. Now I might be homeless

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX. has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My money got taken away and they charged me insufficient funds to my accounts to where I can not use my account anymore and they never called me back about this matter

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.

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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: KS
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:
On XX/XX/ someone used my information to apply for a credit card with JP Morgan and Chase. I disputed that inquiry through XXXX XXXX. To this day it is still showing on my XXXX report, which of course has a lower score than it should due to this. I have never applied for nor had any interest in a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing to formally submit a dispute regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received any response from TransUnion. The details of the inaccuracies and the necessary corrections are as follows : The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$100.00} ) was never late. I kindly request that TransUnion correct/update this inaccurate information on my credit report. 


The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$580.00} ) is not mine. I request that TransUnion remove this account 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-12-27
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently contacted Aidvantage about my loan and income driven payment plan renewal. 

I processed my request via an aidvantage rep and through the studentloans.gov portal. 

I have only received one correspondence that shows the information about my most recent request. However, it was an email and not the confirmation of repayment. 

Subsequently, Aidvantage has generated payment information that does not correlate to my new Income driven payment plan. The reps are rude, unknowledgeable, and don't even bother to validate account information, neither look it up. The reps on the phone are trained to give a script, but not review actual information. This is creating undue harship for me because I need the new income Driven Payment plan information generated so I can refinance my mortgage. This has been a nightmare and literally like talking to a brick wall dealing with Aidvantage reps. There are no supervisors or live reps that have the wherewithal to handle complex situations outside of their scripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2018-11-28
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PAYMENT I MADE FOR XX/XX/2018 IN THE AMOUNT OF : {$1500.00} CHECK # XXXX CLEAR OUR BANK ON XX/XX/2018 ; PAYMENT SENT TO FREEDOM MORTGAGE ON XX/XX/2018. 


And I received a letter from Freedom Mortgage stating, As of the date of this letter we have not received your payment due XX/XX/2018. and my Bank Statement showing check # XXXX clear my Bank on XX/XX/2018. also, Freedom Mortgage never acknowledge my Tax Exemption, and my own home-owner insurance, Never remove from my ESCROW PAYMENT EVER SINCE. AS WELL, THE RATES KEEP GOING UP HIGHER AND HIGHER WITHOUT NOTIFYING US ABOUT THEIR CHANGING MADE ON OUR VA MORTGAGE LOAN. ASKING FOR STRICT SCRUTINY TO BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO THIS UNSCRUPULOUS, MALFEASANCE CONDUCT BY FREEDOM MORTGAGE. GOUGING US FINANCIALLY, AND FINAGLE CF. FILCH US FINANCIALLY. MY TAX-EXEMPTION ... .PERSONAL EXEMPTION NUMBER : XXXX FOR QUESTIONS CALL : XXXX. THANK YOU FOR YOUR INTEGRITY HELP. XXXX WAS THE BUILDER OF OUR HOUSE WE'RE AT RIGHT NOW.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}

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 non-monetary relief
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AZ
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}

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 2022-12-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone from citibank official phone number contacted me and advised me my account was effected and scammed over XXXX from my account. I have nothing now with kids to raise. They opened a dispute but are making me wait for denial/approval. Why would i not be approved when i was robbed for every dollar. i need help : (

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2012 XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in or on my report that are in accurate and without my consent and still reporting...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
i have multiple credit inquiry i never initiated and as a victim of identity theft, i had a fraud alert placed on my credit report which requires 1. i give a written consent before my credit is pulled. 
2. i be called before my credit is pulled. 
3. credit report should stay as much a 6 months, but we also have 11 Pulls within a 1 month span from an individual company ( XXXX ), XXXX XXXX pulls within a week span. 

none of the above fraud prevention measures were followed according to FTC rules, attaching fraudulent pulls below and should be investigated and deleted Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i have attached 2 police reports from City of XXXX & XXXX XXXX to further make the case that this is a result of identity theft and upon failure to delete these, i would have o choice but to proceeding with legal actio against Transunion XXXX already deleted these as a result and so has XXXX. 

thanks 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