BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: LA
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:
Unlawful Use of A Negative Item On My Report From XXXX XXXX ( XXXX XXXX ) creditor i didnt sign my info to

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 2020-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX I have a BANK OF AMERICA account I filed a claim XX/XX/2020 Claim amount total {$7600.00} Due to the fact that unauthorized purchases and were taken out of my account I followed the steps the banks asked me too and they denied my claim with no reason or explanation They re opened my claim again I waited only for them to deny it again Claim # is XXXX I am very unsatisfied with there services and u please look into it for me I need my money I am victim of fraud all my information was lost

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 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX 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 2023-11-19
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX of 2021 Ive been sending National Credit Systems about a rental dispute that appeared on my credit. Ive been sending letters to National Credit Systems and to every credit agency. 
Their information is NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$5000.00} was stolen from my bank account XX/XX/XXXX around XXXXXXXX XXXX. I instantly notified Navy Federal and begged if they could stop the pending transaction and asked if Navy federal can retrieve my money back by going into the persons account and I was told no I would have to wait until the transaction was posted and put a fraud claim in. So I did as instructed, XX/XX/XXXX I put in a fraud claim and I set up a new bank account and ordered a new debit card and when I put in that fraud claim I attached my police report to my fraud claim. XX/XX/XXXX I received a letter in the mail stating verbatim After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$5000.00} XX/XX/XXXX I called Navy federal representatives during their normal business hours and sat on the phone for more than 2 hours to request information regarding why Im responsible for the amount of {$5000.00} and I was informed my fraud claim is considered a domestic dispute and I would need to take it up with the police department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XXXX XXXXXXXX XXXX  XXXXXXXX XXXXDate of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Just recently, my credit score was greatly impacted from an inaccurate balance increase on my capitol one credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I held a credit card account with Discover since XXXX. I had not used the account for more than a year -- the last time it carried a balance was XX/XX/XXXX -- but I was given no indication anything was wrong, and had even received a new card to activate, replacing my old one. I activated the card online on XX/XX/XXXX with no apparent issue, but when I went to use it the next day for a point of sale purchase, it was declined. 

After calling Discover on XX/XX/XXXX with my issue, they informed me the account had been closed without any notice to me. I received no communication -- not by telephone, U.S. Mail or secure message via their website -- to let me know this was the case or to give me a chance to take action and keep the account active. 

Discover said their policy was to open a new account for me, again, not a problem. But they said they could only offer me a credit limit of {$3500.00} on the account, a decrease of {$11000.00} from my previous limit of {$14000.00}. Their reasoning for doing so was my credit score being lower than it was previously, but the drop in score was a result of their unilateral actions stripping me of a nine-year old account and more than {$10000.00} of available credit. 

Any time in the past when they increased my credit limit or made any other changes to the terms of the account, I received a letter in the mail and, usually, confirmation online, as well. Even if they had kept my old account open but simply opted to lower my available credit, which would be well within their rights, isn't some form of notification required? 

I never missed a payment on the credit card and also paid off an {$8000.00} personal loan with their bank over a four-year term. After all that, Discover pulled the rug out from under me and put me in a tenuous position using more of my available credit than I'm comfortable doing, further adversely impacting my credit score. 

I'm very disappointed in their actions, and want to find out what recourse is available. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses reported on my credit report are not mine. XXXX completely ignored our request to remove the wrongly reported address. I am in the process of buying a house and this is causing dearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
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. 

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 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 : 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 person knows or has reasonable cause to believe that the information is inaccurate

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I closed my Capital One 360 checking account due to a check failing to properly deposit within account. Upon closing out my I was told I will receive my check within XXXX to XXXX business days. Today is XX/XX/2023. I have yet to receive my closeout check of almost {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.

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 2021-05-10
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: Information belongs to someone else

Complaint:
I am very stressed out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.

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 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX, XXXX and Transunion separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2023-03-10
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/XXXX, I called XXXXXXXX XXXX XXXX and enrolled my credit card in their Coronavirus Relief Program ( enrollment screenshot attached ). Enrolling in this program meant that I would not need to make a payment for two billing cycles. However, a late payment was reported in error to Experian regarding my XXXX XXXXXXXX XXXX credit card in XX/XX/XXXX. 

Ive disputed this late payment with XXXXXXXX XXXX XXXX and Experian multiple times in XXXX and XXXX. I sent my first dispute letter to Experian in XX/XX/XXXX. They investigated the dispute, but did not remove the late payment from my records. 

In XXXX of XXXX, I sent a dispute letter to XXXX XXXXXXXX XXXX and received a response dated XXXX XXXX ( response attached ). In their response, XXXX XXXXXXXX XXXX  stated that if I had an issue with how my account was being reported, that I could dispute the information directly with the consumer reporting agencies. 

I then mailed out more dispute letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( USPS signature receipts for last two disputes attached ). These disputes resulted in one credit bureau correcting the late payment error ( XXXX ), but Experian still shows the incorrect information. 

My partner was diagnosed with, and passed away from, having XXXX at the end of XXXX. So, needless to say, I was not focused on disputing this error further in XXXX. However, I am now trying to correct this false information once again via this complaint. 

I feel that it is immoral that XXXX XXXXXXXX XXXX offered enrollment in a relief program during one of the toughest times weve experienced in recent history, and they are not honoring the parameters of that program. I also believe that Experian is being negligent in their refusal to remove the late payment error. This incorrectly reported information has, and continues to, affect me negatively. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on 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 2022-03-28
Company: EQUIFAX, INC.
State: GA
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 accordance with the Fair Credit Reporting act XXXX Account XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Affirm Holdings, Inc
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. The XXXX Credit Bureau is attempting to violate this clear understanding. Please Investigate and report the payment status positive and update the late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries Request for Delete 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 Delete ALL Late Payments On Accounts Below XXXX XXXX - ACCNT XXXX XXXXXXXX XXXX XXXXXXXX - ACCNT XXXX XXXX XXXX XXXX XXXX  - ACCNT XXXX XXXX Remove/Delete all Accounts bellow XXXX - ACCNT XXXX XXXXXXXX TXXXX XXXX XXXX ACCNT XXXX XXXX XXXX, XXXX. ACCNT 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 2022-08-12
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime sent me a email stating that my account was closed but did not give me actual reason into why my account is closedI have no money!!! Chime stated that check with my remaining balance will be mailed to me within 30 days!!! Really!!! I have to wait 30 days to them to send me my money!!! On top of being on the phone with them for the past 5 hours and nobody can tell me why my account is closed

Company response to consumer: Closed with explanation