BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 



Sincerely, 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 2022-10-30
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:
The inquires below are not recognized on my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: OPORTUN FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under and open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: MD
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 submitted credit card statements, showing monthly payments to XXXX XXXX ( account opened in 2016 ), and the credit bureaus have not removed several late payments from the account. Experian, XXXX, and XXXX have all sent me messages, stating that my dispute with XXXX XXXX has been remedied. Yet, the inaccurate information still shows on all three of my credit reports. I have disputed this issue at least six times with the three credit bureaus. They continuously contact XXXX XXXX for input ; however, they never look at my evidence, which shows that I did not make over XXXX XXXX XXXX XXXX XXXX late payments. XXXX XXXX 's erroneous reporting is affecting my credit score. Statements will be provided upon request.

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 2022-10-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Navy Federal Credit Union on XX/XX/21 for a car loan for a total of {$19000.00}. To date I have paid {$5400.00} on the principal. Per 16 CFR 433.2, Navy Federal Credit Union excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECTTO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THEPROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEEDAMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a Florida Notary Public, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan and I would keep the collateral ( vehicle ). 

I have attached proof of notification and receipt. I am requesting that the CFPB contact Navy Federal Credit Union ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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:
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 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 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 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 : It also 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 the 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In 2020 around XXXX I had my unemployment from Ohio deposit into my acct of XXXX $ and they illegally closed my account and never sent me a check or anything saying they were going to give me my money in a form of another check so I could cash it else where I'm still waiting for funds till this day

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 2022-10-29
Company: EQUIFAX, INC.
State: PA
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 have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I have attempted to dispute the inaccurate information that is continuing to report to the credit bureaus in my name. I need this collection that is negatively impacting my credit to be removed from my report immediately. Jefferson Capital Systems is reflecting a balance of {$1900.00} as of XX/XX/ XXXX  and should not be for several reasons. I am a Florida resident and they are not licensed in the state of Florida. I requested original signature documents to confirm this account and it was never provided. Where did they come from and why are they not removing the inaccurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: LA
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:
Tried to get the free annual report supported by Equifax. I got the following error : " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code NH. 

XXXX ( XXXX ) '' I called the Equifax customer service and they were not able to help. 

My credit file has disappeared and won't show up on any credit monitoring services. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NC
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 - account number- XXXX XXXX  XXXX - Account Number- XXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX  XXXX XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX, XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX- Account XXXX 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 Section 604 A Section 2 : It also 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 the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my sister in XXXX transferred XXXX Euro into my Capital One account. 
Before the transfer I called Capital Ine to inquire about fees and exchange rate, my sister did the same on her end in XXXX. 
I was told that Capital One does not charge any fees and will deposit the same amount that will come to their bank. My sister paid the fees that incurred in XXXX separate from the transfer. 
I checked the exchange rate for the next day, the day we made the transfer. It was XXXX. 
However I only received {$10000.00} instead of the {$10000.00}. I do understand that there might be a difference in exchange rate the bank uses, but the difference is {$270.00} which is extreme. 
I talked to several associates and managers at my bank who all insisted they did receive only {$10000.00} and the conversion was done before it hit their bank. 
My sister also talked extensively with her bank and they insisted that they did not do the conversion into US . Both bank said there was no intermediate bank they used. 
I finally got a statement from my bank after a lot of calls. I will attach it. 
I dont know what else to do. I dont know where who and why I received {$270.00} less. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently a victim of a tornado. A tree fell on my house. My insurance company issued a check to me and my mortgage company. My mortgage company has only given me {$25000.00} first installment to complete the roofing part. For the past eight months they have asked me to submit several types of paperwork to get the second round of checks for {$26000.00}. To fix to fix bathroom. I have given them itemized bills from my contractor. My contractor and I have been keeping in touch with Mid mortgage about starting the second phase of my house. Its now going on five months and they are still refusing to issue me the second part of the check. As a result black mold has grown. Other problems are existing because they are not keeping up with the end of the contract now they are talking about for closure and keeping my money. The insurance money thats left over. The initial check was for XXXX. Plus extra if I ran into it. I did run into extra but my insurance company said that I took too long and that money expired. So now Im only working with XXXX instead of XXXX. I was just Thought they were not going to fix the new problems because they arent on the original list. What can I do and who can I talk to so I dont lose my house and I can get my home repaired

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 2024-01-09
Company: Army and Air Force Exchange Service
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a couple items from AAFES with their star card in accordance with their XXXX XXXX XXXX  promotions. They failed to categorize the items as a no interest item. I discovered later they had been charging me interest. I contacted them numerous times regarding this. Eventually they applied a portion of the interior toward the principal. At the same time they moved the purchases to the promotional rate and applied a charge and credit against the account for ~ {$67.00} per the transactions listed however they only applied the random ~ {$67.00} to the account. At this point they still show the random ~ {$67.00} plus ~ {$81.00} in interest against the account. Since then, they did the same thing with the XXXX XXXX XXXX  promotions. They again failed to apply the advertised promotional terms. To date that is an additional ~ {$31.00} for the new purchases I ran into similar during the XXXX sales however I could not prove the promotion. That was another {$2.00} that they stole. Part of their excuse was they were slow processing my payment which was a nightmare to make. Their system kept dropping my automatic payment and once made, they were slow to process it. 

All of this can be seen in the monthly statements.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXXXX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.

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 2023-06-09
Company: STATEWIDE AUTO SALES
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: Investigation took more than 30 days

Complaint:
Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In reviewing my credit report I noticed that I have a " collection '' account listed from XXXX XXXX XXXX. Upon reviewing this information it indicates that it was opened in XX/XX/2020, the balance is XXXX, and it indicates that the original creditor was " XXXX XXXX XXXX XXXX ''. I had previously disputed this to no avail. I had insurance the entire time I lived in WA state from XXXX. At no time did I got to a doctor where insurance was not active. I do not owe anyone for any medical bill. This is also a medical debt, per the information provided, and should not be on my credit.

Company response to consumer: Closed with explanation