BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

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 2023-03-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received letter from Carrington mortgage I was denied. They said I was not unemployed and I was. I can prove my unemployment. If they would had allowed me make payment month XXXX I would not owe XXXX been paying some kind payment. On previous case said I made XXXX a month that incorrect. I make XXXX hour plus over time. I know sent Carrington a bank I sent in had unemployment funds on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to buy a XXXX XXXX and I went on an app called XXXX and the seller told me to text him and I did and we negotiate on a price of {$170.00} then I tell him if I pay him on a app and he said if I had the app called XXXX and I went on my bank of America app and sent him the money thinking I had some type of protection either from my bank or XXXX I texted the guy 2 days later and no response then I send a request for my money back saying I changed my mind and he declined it then I send another saying I reported a fraud and found out his location then I look up his number on a website and his location is in XXXX NJ and I looked up his email and it wasn't found. Then I write an email to XXXX and still haven't heard anything from them but doing some research online I found that other people in the same situation get no help at all from XXXX. Please help anyway you can anything is appreciated.

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 2023-08-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: FIRST NATIONAL BANK OF OMAHA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2023, my estranged husband opened a credit card through First National Bank of Omaha ( FNBO ) for a store called XXXX with a credit limit of {$6800.00} and he applied for a personal loan in the amount of {$5500.00} with the same bank using my personal information without my permission. 

I contacted FNBO and had the card canceled. And was told about the personal loan which I stated was also not applied for by me. I asked for whatever records they had showing that my husband did this so that I could press charges. They told me I needed a subpoena to get that information. I believed them until I put a fraud alert on my credit and received confirmation in the mail by XXXX. Also, listed on that confirmation letter were my rights as an identity theft victim under the Fair Credit Reporting Act ( FCRA ). 
I then called FNBO again to ask them what I needed to send for them to release the records and was told again that I needed a subpoena. When I stated that wasn't true, I was told someone from their fraud department would call me back. After waiting several days and not getting a call, I contacted them again and was told the person who handled these issues was out of the office for a few days and would call be back. Of course nobody ever called me. 
So, I researched what I needed to do in order to obtain the records. I filed a report with the Federal Trade Commission ( FTC ), I filed a police report, I filled out an identity theft affidavit, I wrote a letter asking for the records, I enclosed a copy of the FCRA that stated my rights as a victim of identity theft, I also enclosed a copy of the FTC report, the police report number, proof of identity and proof of address. I sent everything to FNBO by certified mail and was notified that they received it on XX/XX/2023. Under the FCRA, they had 30 days to send me what I asked for without charge so I waited until XX/XX/2023, but hadn't received anything. So, on XX/XX/XXXX, I called them again, but this time, I recorded the conversation where I was told the records would be sent and I would receive them in 5 - 10 business days. 
It is now XX/XX/2023, more than 30 days overdue and I still have nothing from FNBO. 
I need these records in order to press charges, but I have hit a brick wall with this bank and I don't know what my next step should be, and that's why I am contacting the Consumer Financial Protection Bureau.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: ID
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 hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.

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 2022-08-08
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, my penfed credit union cash reward credit card was involved in fraud activity. Money was transferred from my credit card to my saving and checking account and then moved to a XXXX bank. Since then, my personal information has been used ; recently, I received a letter stating that a personal loan was not approved, which I did not request. I was told by the back to contact the three main credit beurs to freeze those acts. To avoid other fraudulent activity. I'm looking for further investigation and stopping who uses my personal information on my behalf.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have connected Experian on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. Experian has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is reporting multiple times on my credit report. It is reporting as XXXXXXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted Experian and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

XXXX XXXX  In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off 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 2023-05-04
Company: EQUIFAX, INC.
State: IL
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:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am unable to dispute inquires on my 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 2023-04-20
Company: ALLY FINANCIAL INC.
State: AK
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:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. Ally Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2023-08-21
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$36000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
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:
XXXX XXXX XXXX open date XX/XX/XXXX {$6800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX open date XX/XX/XXXX {$1800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX XXXX XX/XX/XXXX {$1300.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports.

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 2021-10-07
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I paid {$800.00} down payment on a service, using the XXXX app via my USBank checking account. The service was not done. I contacted the bank to file a claim and was told that because i used XXXX. there is no way the bank can submit a fraud claim. I was also informed that a notation while using XXXX stated that if i didnt know the recipient I should not complete this transaction. I contend that there is not enough protection for consumers against fraud using this service, As the intermediary in the transaction process, i think it would be prudent of my bank to be able to claim from the receiver on my behalf. This would offer more protection and dissuade fraudsters from defrauding unsuspecting consumers

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 2023-12-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA XXXX XXXX b XXXX and and XXXX has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.

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