BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
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: Information belongs to someone else

Complaint:
I have in formation from XXXX XXXXXXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX that does not belong to me. I checked my credit report and saw that an open account from 2018 is on my report. According to the FTC, a company can't report or publish false information to harm my credit or collect a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: DE
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 several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, Experian, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

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 2019-04-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX veteran that maintains limited account usage with Navy Federal Credit Union. I keep funds from my XXXX payments in my Navy Federal account. During some hard times 4 years ago I had a small credit card become past do with them. Last week Navy Federal wiped out my account of all my Federally protected funds to cover the credit card. These funds are Federally protected and are absolutely untouchable. However, that didn't stop Navy Federal from robbing me blind. On XX/XX/2019 they removed my last {$200.00}. They say they are here for the military community but then treat us like garbage when we need the help the most. I shudder to think of all the XXXX veterans who depend on their XXXX payments, are robbed by Navy Federal, and end up homeless and starving as a result. 

I contacted Navy Federal the same day and was told too bad so sad. Ok, not those words but the result is the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I urge the bureau to begin investigating these accounts, as I am never late, yet they report me as late.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 do not recognize these credit inquiries, and I have asked for them to be removed, and the Bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.

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 2022-06-14
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 XXXX XXXX XXXX Filed a complete and Accurate Dispute with Equifax XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded Equifax to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so Equifax are aware Of the Dispute Equifax did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address Equifax also acknowledge the receipt of my documentation however Equifax did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered Equifax and XXXX to pay me {$1000.00} per violation Equifax is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into Federal Court Also XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX Also XXXX did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however Equifax and XXXX Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXXXXXX XXXX XXXXXXXX XXXX  And all inquiries Which XXXX XXXX  is already aware of and I have already supplied documentation and FULL COMPLETE dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sequium asset solutions llc is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This complaint concerns serious violations of the Real Estate Settlement Procedures Act ( RESPA ). Although there are numerous violations under RESPA by more than one lender, I will direct this complanit to the most severe of the violators, PHH Mortgage Company! 
PHH Mortgage, who was our original lender when we purchased our home, has committed acts of mortgage fraud concerning our mortgage loan ( s ). PHH Mortgage has committed these violation without our knowledge and or consent. If you review the attached HUD-1 Settlement Statement ( s ) you will see that the statements are without our signatures on them. However, the figure on the statements that claimed PHH Mortgage gave " CASH TO BORROWER '' in the amount of {$35000.00} in a refinance transaction in XX/XX/XXXX, and again gave " CASH TO BORRWER '' in the amount of {$11000.00} in XX/XX/XXXX. Both of these statement are false/fraudulent statements because we never received any funds from these purported refinance transactions. In addition, we were not aware of the outrageous refinance fees totaling {$60000.00} in XX/XX/XXXX, and fees totaling {$16000.00} in XX/XX/XXXX. 
This is a classical case of lender stealing homeowner 's EQUITY using ficticious figures to swindle homeowners. The evidence concerning these allegations are in the attachments to this complaint. ( See Mortgage History, and excerpt of Securitization Audit ), and ( See HUD-1 Settlement Statements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-04-15
Company: EQUIFAX, 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request of block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : Are you familiar with something called : 15 U.S.C. Sec. 1681i A? I heard that if you cant provide proof, these accounts must be deleted. Equifax is governed by 15 U.S.C. Sec. 1681i A. You have violated my rights numerous times. According to 15 U.S.C. Sec. 1681i A : I have the right to privacy, I havent not given XXXX written permission to furnish these accounts. So, could you please check on these and get back with me? I saw on the Virginia Attorney General XXXX XXXX Website Board that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Hard Inquiry A ). XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NY
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:
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 items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I originally asked them to stop calling me on XX/XX/XXXX. They called me again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Reporting company used your report improperly

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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi Sir/Madam, I have bought a new car ( XXXX Venue 2023 ) in XX/XX/2023 and financed it with " XXXX XXXX XXXX XXXX XXXX When I went and check my Trans Union credit report, it is showing that I have financed it with " XXXXXXXX XXXX XXXX ''. 

This issue is present only with Trans union credit report. XXXX and XXXX showing the correct data. 

I have tried contacting Trans union Credit bureau multiple times but no luck. 

So that is why raising complain over here to fix my Trans union credit report. 

I am attaching my latest Trans union credit report as well as latest Auto loan statement from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There was fraud that happened within my checking account with Wells Fargo XXXX through XXXX of XXXX. I had called imidietly when I noticed transactions so that the bank could freeze my account or create a new account plain out just help me out with what was happening. 

There were several XXXX transactions as well as some checks that had been deposited and bounced for an estamated total of {$13000.00}. 
I did manage to have a representative open a new account and try to secure my account from all the fraud that was happening. But it wasn't until the second time that I called to do a follow-up that this happened. 

The original first time I called to report the transactions the representative told me I am creating a new account for you right now gave me a number to save as my account number and when I called for updates and gave the second representative the account number that number didn't exist for me. At this point the second representative did help set me up with a new account and took all my statement over and basically start from XXXX to complie all the information required for the claim. 

I made it my mission to stay updated with what was happening with my account by calling in at least once a week. 
When I called Wells Fargo about the transaction there was an active case that I would call to inquire more information about at least once a week since the transactions. The last I spoke with a Wells Fargo representative was in XXXX of XXXX that someone would get ahold of me to discuss things further and I didn't have to keep on calling them every week. I still haven't heard anything from Wells Fargo to this day XX/XX/XXXX. 
At the time this all was going on I was going through some major medical situation and having this {$13000.00} vanish before my eyes just like that didn't help at all. That money was all that I had and the individual ( s ) that omited this fraudulent activity to my account got away with all of it and Wells Fargo did nothing even after having all the authentication setup never did I one get an alert that all of this movement was happening with my account.

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 2023-10-30
Company: Grain Technology, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company requires you to contact them to change your account number in order to make a payment. The do not have a customer service phone number and require you to email them. I have sent several emails regarding updating my linked account so that I can make my payment. I also mailed a money order that was received on XX/XX/16 per the tracking which also states the mail was delivered and left at the reception desk. That payment still has not been applied to my account. Now they will be reporting late payment against me when they have no way that I can make the payment. This is abuse and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: General Motors Financial Company, Inc.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I reached out to transunion adv that I have unknow unauthorized inquries on my credit report. This is the third time Ive reached out. They informed me that I need to reach out to the creditor. Once contacting the creditor they told me to contact Transunion. mnIve then contacted transunion and informed that the inquries were not authorized by me and asked politely to remove. They informed me I have to provide paperwork from the cfpb an dthe ftc. I didnt know that unauthprized transactions can stay on my credit if im telling them its not me. These are the inquries im asking to be removed due to being unauthprized 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 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
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!

Company response to consumer: Closed with non-monetary relief