BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MT
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 contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX  and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX  reported in the Equifax report is Account XXXX is XXXX. I contacted XXXX XXXX XXXX  to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is 96 which for this loan is Incorrect ( Error 2 ). Amount Past Due is blank and missing information ( Error XXXX ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error XXXX ). The date of XXXX XXXX XX/XX/XXXX is also incorrect ( Error XXXX ). The Actual Payment Amount is Missing ( Error XXXX ). The Scheduled Payment information is missing ( Error XXXX ). Date of XXXX Delinquency is blank ( Error XXXX ). Date XXXX XXXX XXXX reported is missing information ( Error XXXX ). This account according to XXXX XXXX XXXX was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error XXXX ). by law FCRA Sections XXXX and XXXX require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested my full disclosure file and only received a 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 2021-08-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
on Friday XXXX XXXX  XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to " repo '' my vessel. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my vessel. He does not disclose how he is or who he is representing, later validates he is contracted with NAVY FEDERAL CREDIT UNION.Showing only an order with my personal sold information and dwelling. I decided to call the police ; as we went over these matters, the man proceeds to trespass into car storage with tow truck. After standing my ground to my proven claims, he then leaves as well as XXXX Police this man nor company has any contracts with myself nor this vessel. I still have not received a response from CEO XXXX XXXX or Chairman XXXX of NAVY FEDERAL CREDIT UNION. I feel threatened as well as pain from the injuries this man has caused. Under FDCPA 809B,806, and 807 they have violated my consumer rights and rights under the Articles of Confederation. In addition, using harmful and illegal debt practices under 15 USC 1692. I am handling all civil affairs as needed but I will not tolerate this. XXXX XXXX XXXX this same man is snooping around the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened an Ally CD account on XX/XX/2023 with $ XXXX funds. The day after, I realized I opened a wrong CD type : I wanted to open non penalty CD because my last experience with Ally non penalty CD was great, but I actually opened a fixed XXXX term CD. At that time, the $ XXXX funds were not deposited yet and the CD has {$0.00} balance, so I contacted Ally customer service and they are willing to close the account for me.

However after waiting for a week, I noticed the account is still not closed and the funds were also deposited into it. I contacted Ally again and this time they said I'll be charged {$200.00} for closing because I have $ XXXX in it, that's is estimated 2 month interests. 

I was shocked and feel being tricked. They claimed the account was closed but actually waited until funds being deposited, then told me to pay penalty. That's a terrible idea of earning money. 

I didn't have choices, so had to close and pay the penalty as they wish.

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 2023-06-19
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 sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Strategic Alliances, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID THIS COLLECTION AGENCY ON BEHALF OF XXXX XXXX. XXXX XXXX  ASSIGNED THIS CASE TO XXXX DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO XXXX XXXX  BECAUSE XXXX SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2022, I XXXX XXXX went to XXXXXXXX XXXX XXXX XXXX to open a savings & checking account. I was told the requirements to open an account was {$500.00} minimum deposit. I told the banking representative that I had just moved to XXXX, IL and I was having my employer direct deposit my work pay into another bank account and that I did not have the complete {$500.00} at the time of opening the bank account with XXXXXXXX XXXX XXXXXXXX XXXX. The banking representative told me that it would fine and that all I need to do is present a check from the other bank for {$500.00} and by the time the XXXX XXXX XXXXXXXX XXXX completes opening my account ( some days ) it will give my direct deposit enough time to clear in my other bank. However that is not what XXXX XXXX XXXX  XXXX did, instead they took my check and tried to cash it that same day. When my other bank got the notification for the check they called me and I had to call XXXXXXXX XXXX XXXX XXXXXXXX and ask them why they did that when they specifically told me they would not be trying to cash this check until some days have passed while they are doing their review. After speaking to the XXXXXXXX XXXX XXXX XXXXXXXX banker who opened my account I decided that I no longer wanted to continue opening an account with XXXXXXXX XXXX XXXX XXXXXXXX and I told the banker and also asked her to cancel my application with them. She apologized and told me that they can fix the situation but I said no its fine I do not want an account with them anymore especially if they were not complete honest in telling me how their opening account procedures worked. After telling the banker at XXXX XXXX XXXX  XXXX to close my account and any other files they have on me the banker told me she will do that. However some months later I found out that XXXXXXXX XXXX XXXX XXXXXXXX had put a notification on my name in Chexsystems stating that I had committed bank fraud. I called XXXXXXXX XXXX XXXX XXXXXXXX to get an understanding of why they did this and no one has yet to call me back. Since that day XXXXXXXX XXXX XXXX  XXXX has also placed multiple inquires on my Chexsystems profile. I need help please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This concerns the suspension of my Amex Serve account. I had my own money from the stimulus in my account, around {$3300.00}. I also had just received a deposit from the SBA for a XXXX XXXX of {$9000.00} they owed me from XXXX of XXXX. Both deposits were from government agencys. The SBA deposit wasnt even supposed to go on the Serve card account. A mistake was made by the loan officer and disbursement department of the SBA. I will include her contact information. But that money is still rightly mine. And since that deposit was not even supposed to go to that account I technically didnt violate any terms of service. I had provided a voided check and Information from my XXXX XXXX XXXX checking account for the deposit. Someone at the SBA did not update it correctly from over a year ago. I have correspondence with the SBA I can provide as proof if needed. I went though a rigorous approval process for this {$9000.00} advance and waiting more time is risking the closer of my business. I would like to add I did not even realize the money had been deposited in my Serve account until Serve themselves sent me a text with my balance on Friday XX/XX/XXXX. Afterwards I did some research and found that the {$9000.00} XXXX XXXX was actually deposited on Monday XX/XX/XXXX. I had only been checking the XXXX XXXX  XXXX account for this deposit as that is where is was supposed to be deposited. I only check the balance of my serve account weekly unless needed otherwise. 

Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: OH
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 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

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 2022-10-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
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:
XXXX XXXX XXXX XXXX XXXX of XXXX Mississippi employee XXXX XXXX ran my credit report and I didnt not authorize it and they still have not taken the steps to remove this unauthorized inquiry

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 604 A Section 2 ; It also states a consumer reporting agency can not furnish an 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 2019-03-08
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today, XX/XX/ 2019 I was notified that my credit scores had dropped significantly. I found on my report 3 of the same loan, just in different amounts, from nelnet on my credit report as missed payments for 90  days. My school loans are all deferred and should NOT be on my credit report at all and should not show up as three different occurances, which lowered my score even more. If my school loans are deferred, they should not be on my credit report at all and not on three separate statements. I re-submitted all of my information through nelnet to show my school loans as current but they stated they cant take the marks off my credit report!!! They need to be taken off since they should not have been on there to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Account number XXXX XXXX {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX Account number XXXX XXXX {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.

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 2022-04-23
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please provide validation of the debt that is the actual accounting that is a signed Invoice A copy of the Contract binding both parties This company has violated my privacy. There is no record from me granting permission to furnish this account. The negative information is adversely impacting my life. It is inaccurate. Please remove immediately 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Today CITI employee asked for SSN, I protested and he corrected last 4, I don't believe this was a mistake! XX/XX/XXXX a {$100.00} XXXX XXXX XXXX was stolen immediately after it was insured, it took me until XX/XX/XXXX to realize after I checked with XXXX who gave me a fraud case number and explained it is an inside job, I shared with CIT Thank You Points person who stated the points would be returned to my Thank You Points account, they have not and in the last year over 50 calls, emails, chat and 'how we doing " responses have been ignored. I am failing to get help from their customer service, I believe Citi are deliberately blocking these points because they are about to collapse, I have also noticed that there are thousands of missing points. I need your help. I have been a customer for almost 10 years, I pay my card off each month, I'm a reliable and patient consumer, but this is it, I don't trust them I need your help. Thank you, 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 2021-05-29
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was approved for UC benefits by state of PA and money was issued to me on a US Bank ReliaCard. I never received a card and when I called them, they promised to expedite me a replacement card. They did and I received it but was not able to activate it. I spoke to about 50 more representatives from US Bank in the last few weeks and was told I would never gain access to my funds because the account has been flagged as a fraud attempt and that " no one '' can contact or be contacted by the department that flagged it because of " security reasons '' so I'm " out of luck ''. This is unacceptable ... THIS is fraud! The situation with US Bank boils down to : " the state deemed you eligible for this money and they issued it to you but we are taking it and there's nothing you can do about it. '' The state tells me they issued my funds and that its a ReliaCard issue and there's nothing they can do. There has to be someone that can do something about this ... it is the very definition of theft and fraud!!

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