BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
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 was XXXX in XXXX XXXX XXXX during the time this loan was initiated with Navy Federal Credit Union. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact navy federal and was offered no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Hatfield, Inc.
State: NY
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 this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}

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 2018-07-03
Company: EQUIFAX, 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:
Equifax is allowing a discharged account to report open on my credit report when it should indeed be listed as a closed account. I have tried numerous of times to speak with XXXX and Equifax about this issue and they continue to inform me that this account is verified as accurate when it is indeed not accurate..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: LEXISNEXIS
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LEXISNEXIS provided erroneous information to XXXX XXXX XXXX resulting in insurance premiums being doubled. LEXISNEXIS reported a person named XXXX XXXX XXXX as living at my address. No such person exists at my address. This person has a horrible driving record so XXXX XXXX XXXX added them to my policy and doubled my policy premiums. I do not know who this person is and no such person lives in the building.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, Transunion and XXXX. XXXX  has successfully updated and deleted the fraudulent accounts from my credit report. Transunion as also deleted some accounts from my report excluding XXXX XXXX  XXXX ( XXXX XXXX ) which still remain on my Transunion report after multiple disputes and Identity Theft Report sent. XXXX  have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.

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 2020-02-09
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, Please remove debt, submitted complaint through CFPB portal which company responded to have debt removed. 

Company letter attached and CFPB full complaint. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX [ XX/XX/2021 ], I entered into a lease agreement with XXXX XXXX XXXX for a one-year lease, which I paid upfront in full. Unfortunately, my experience at XXXX XX/XX/XXXX took a very distressing turn due to a series of events beyond my control. 

During my time at the apartment complex, I became the target of unwelcome and frightening harassment from an individual residing in the same building. This person not only stalked me but also committed theft, including stealing personal items such as underwear from the laundry room. I promptly reported these incidents to the leasing office at XXXX XXXX XXXX, hoping that they would take the necessary actions to ensure my safety and resolve the situation. However, despite my numerous complaints, the management did not adequately address the issue or provide me with any sense of security. 

As a single woman living alone, I began to fear for my personal safety and well-being. The stalker knew where I lived, and the situation escalated to the point where I genuinely felt my life was at risk. Under these terrifying circumstances, I reluctantly made the difficult decision to vacate the apartment for my own safety. 

I acknowledge that I neglected to provide the required three-month notice for lease termination. However, I believe it is essential to understand the extraordinary and compelling circumstances that led to my departure. I firmly believe that my decision to leave the apartment complex was a matter of personal safety and security. 

I am kindly requesting your assistance in pursuing a goodwill deletion of the outstanding debt associated with XXXX XXXX XXXX. I understand my financial obligations, and I am committed to fulfilling them to the best of my ability. However, I hope you can empathize with the exceptional circumstances that prompted my early departure. 

A goodwill deletion would not only provide me with some relief from the financial burden but also enable me to move forward with my life with a sense of closure to this unsettling chapter. I have learned from this experience and am eager to rebuild my financial stability. 

Enclosed with this letter are supporting documents, including incident reports filed with the leasing office, which substantiate the claims I have made about my unfortunate situation at XXXX XXXX XXXX. I kindly ask that you review these documents and take my plea into consideration. 

I am grateful for your understanding and assistance in this matter. Please feel free to contact me at XXXX or via email if you require any additional information or documentation. 

Thank you for your time and attention to this request. I look forward to your positive response and resolution of this issue.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-25
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2023-05-24
Company: OPTUM BANK, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Optum bank holds my HSA funds. My employer 's benefits provider selected this bank. Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account. This was found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. 

I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I've contacted my employer 's benefits provider but unfortunately there are no other HSA banking options other than Optum

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnets website has been having technical issues. They requested I set up autodebit online and the option is unavailable. The entire site is currently down. I have submitted my pay stubs multiple times and they have yet to update it in their systems. Trying to make a payment of any sort is also impossible. I have been calling their phone and I have sat for HOURS and have been unable to reach a representative to solve these issues. I work in credit repair, and I know what a late payment can do to your credit scores. They simply do not care. They want to rake in money without paying employees to man their phones or fix their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I had an account with Capital One that has been closed since XXXX. I checked my credit reports and noticed that they are reporting that I am 30 days late on this account. I contacted the credit bureaus and they failed to fix the issue. I also reached out to Capital One and they too failed to fix it and sends me the same letter over and over again. This is stressing me out because the late is being re-reported each month and won't go away and the account has been closed for XXXX years. I am consulting with a consumer rights attorney on this because the bureaus won't fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSWORLD SYSTEMS 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:
all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CONTRACT CALLERS 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:
I have a loan with CONTRACT CALLERS INC ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONTRACT CALLERS INC ( Original Creditor : XXXX   XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2019-06-28
Company: BARCLAYS BANK DELAWARE
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:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When will this bank give me proper accurate information their customer service keeps giving me wrong information I just want my debit card to be contactless tap to pay as they offer on their credit cards I just dont understand why they dont yet have them on the debit cards and they tell me its offered but when they send me a replacement it has a boring chip its time for them to upgrade their technology espicwlltnwith pandemic

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 2021-09-09
Company: TRUIST FINANCIAL CORPORATION
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:
This is in response to the initial complaint that was improperly closed. 


This is not accurate. Ive never indicated that Ive never done business with XXXX XXXX and if thats a question please pull the actually call. Its clear that I have in the past based on my bank statements. Initially I did think that those transactions were unauthorized because the name on XXXX XXXX was not recognized. After I investigated them, I realized that some the charges were valid, just not the duplicates so I called and indicated such. As I stated several times, Im unable to login to XXXX XXXX as my account was closed. Again if there is a question there pull the call logs and things will become clear. If you were doing your job and disputed the charges requested, you would quickly see that the charges are actually in fact duplicates! Providing my XXXX XXXX statement should not be relevant as duplicate charges were not authorize and neither were any of those XXXX XXXX charges that I asked you to dispute as those were completely unauthorized. Again, Im asking you dispute the charges. Why dont you do that and see what happens instead of asking me to provide Info that I unable to. I mean seriously If Im saying XXXX XXXX wasnt authorized then whar on earth can I provide for you to prove that? The burden of proof should not be mine it should be the unauthorized charges. Thats the {$2500.00} that you reference. XXXX did mention that she needed cash app history but i mentioned that I dont have access to that. Why cant you just do what a bank is supposed to do and not question my intentions and integrity a consumer?!? Ive been with BBT for a number of years and applauded with the abysmal service that Ive received by the institution.

To be frank, I am in process of switching all of my banking products from BB & T as the level of service is getting progressively worse. Why is this request such a problem? At this point I'm considering litigation regarding this matter because this is unacceptable that you wont even investigate. This is ridiculous when all you have to do is initiate the dispute.

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 2023-07-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian allegedly provides free credit report for XXXX == unfortunately, its a simple table with zero information. I require a full credit report so I can dispute an item. When I try to dispute an item, after logging in, changing passwords ( because the passwords stop working ) I ended up at an error page on the internet, or " page not found. '' Or a pay site. I'm tired of this. I tried to access the disputes, but end up going no where. So frustrated. I need the full credit report to dispute an item that is causing me great credit hardship.

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