BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: GA
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 proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal 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 explanation
Consumer complaint received 2019-01-07
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: Account information incorrect

Complaint:
Please refer to my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU correspondence for full details and allegations of " 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score ''.

Please note that I am attaching 2 copies of my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU PDF copy that is unsigned for the purpose of clicking supporting links that can be reviewed and another duplicate signed copy that was scanned. 

Both letters describe full details of my allegations of 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Yes I've been fighting with bank of America about this money since 2021 very tired of dealing with it and I would just like the money back they already ordered it in my favorite one time and they send a card out to a address that I don't even live at and that's not my fault so I'm still having to wait on my money even longer now they send me a check that is no good and I have to wait longer for it too as well I'm very disappointed and I think they should be investigated

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 2022-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/10 I made a XXXX party payment from my bank ( NOT USAA ) to my auto loan ( WHICH IS THRU USAA ). I listed my account number and all info needed. Ive been on the line with multiple USAA reps for the past 2 days with no resolution. For whatever reason the payment was sent to USAA XXXX XXXXy, Ive never had a mortgage. Ive requested a supervisor multiple times through USAA as well as the mortgage company with no help. I have a payment for over $ 2k that has cleared my balance account and cant get it applied to my USAA XXXX loan because the reps have failed to get me to the correct place. XXXX beyond frustrated at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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:
XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 1. XXXX  - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX  - XXXX 5. XXXX XXXX XXXX  XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX - XXXX XXXX - XXXX 8. XXXX XXXX, XXXX XXXX - XXXX 9. XXXX XXXX XXXX - XXXX 10. XXXX XXXX - XXXX 11. XXXX XXXX - XXXX 12. XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CL Holdings LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on XXXX. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 my balance reported by Midland Credit Management seems to have started the time in collections over. XXXX  XXXX was the original creditor and they sold my debt to Midland who seems to have started over the time for this debt to " fall off '' my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened an account in XXXX and found about fraudulent account with about {$4000.00} opened in my name in XXXX before I was a customer with Wells Fargo. Once reported I got my online access and changed my passwords and username. The account has yet to be closed despite XXXX separate conversations discussing the fraudulent account and desire for it be closed.

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 2023-07-22
Company: First Technology Federal Credit Union
State: CA
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:
Hello CFPB team. 
XXXX XXXX, XXXX  and XX/XX/2023 I did a pre-approval and check my rates.On their website states that " Checking your rate will not affect your credit ''. I was approved, followed by hard inquiries and then they send me denial emails. I would not accept an offer if I would not be approved. In my humble opinion this is not a fair transparent pre-approval.

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 2023-01-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I XXXX XXXX hear declare a dispute with Experian credit report I have no problem disputing a report it says it needs more information that it's already did a dispute I can not put in a dispute I've had this acount since XXXX on my credit I give Experian my dispute information for a credit reporting on my report that was negative that's making me hard to obtain credit from this account that was XXXX that has been paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX further investigation XXXX XXXX has been paid off back in XXXX payed XXXX XXXX i would like this off my credit report. its not fair that a company hold me back in this time of high gas price and instest rate trying to rise my son and keep food on table. high taxes here in california

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 2020-05-07
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have one accounts with First National Bank of Omaha ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.

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 2023-03-01
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: WA
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:
Thefollowingcompaniespullmycreditreportandassessifmyfinancialprofilewithoutmyauthorization.Ididnotapplyforcreditsothereisnovalidreasonforthemtoopenandcheckmycreditstanding..HavethisinquiryremovedfrommycreditreportasapXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXX

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 2022-03-28
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about Navy Federal Credit Union and it's lack of willingness to assist it's military family members correctly. I'm a senior with multiple health issues and was just released from the XXXXl for XXXX and is XXXX XXXX and XXXX. As a favor to me my sister is a caretaker for our family she deposited money into my NFCU account but the deposit and transaction didn't complete the location of NFCU is solely an ATM location the ATM machine didn't process my deposit and show that it went into my account. It was a drive thru ATM in the outside. So it didn't return my money either it says for us to contact NFCU this location also has a inside ATMs so she goes inside to try and get my money back but the ATM wouldn't return my money. I immediately contacted NFCU to file a claim and told them what happened. NFCU did an investigation and then credited my account for {$450.00} dollars. But the weeks later unknown to me they overdrew my account saying I owe them the {$450.00} back to NFCU my own money. They're claiming they didn't find any money. No letter no phone call nothing and they also took a small check that was deposited from my part job that sends a check via direct deposit. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money. But one fraud prevention agent suggested that NFCU may have looked at the wrong ATM machine but I requested another appeal this my own money that they're coming after me for all because the investigation was not conducted properly this NFCU ATM location has ATMs drive thru where my money originally was deposited but not processed into my account and they have inside ATMs my money is there. But now these people are treating like I'm a criminal and I'm XXXX XXXX just having been XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX  XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : NAVIENT - Account XXXX Creditor : navient - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the Navient loan forgave I am a XXXX veterans please give me a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a {$7000.00} check sent to XXXX Bank as part of a trustee-to-trustee transfer. I used XXXX Banks provided form for this transfer. XXXX Bank applied the incorrect amount to my account, not the {$7000.00} that was sent to them. They are unable to provide me with a copy of the check they received to verify the amount written on the checks matches what they credited to my account. They do not have a process to reconcile this error and they are unable to tell me when I can expect this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was resolved with an Identity report and was XXXX XXXX the XXXX party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as Experian, XXXX, and 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 2022-03-28
Company: Experian Information Solutions 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:
Auto loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was dueXXXX XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.

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: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Items have improperly been associated with my ssi during covid, Credit information was exposed during XXXX data breach. Ive currently filed a claim because I was impacted by the breach. Im also seeking help in removing negative debts that are effecting my credit score.

Accounts that has violated my rights 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 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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 Bank of America couldn't approve my Unlimited Cash Rewards Visa Signature card following false reasons from an incorrect report obtained from 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 2022-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reaching out because there was a XXXX XXXX XXXX  account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit

Company response to consumer: Closed with explanation