BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: NAVY FEDERAL CREDIT UNION
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:
Two credit accounts with the Navy Federal Credit Union, referred as NFCU from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

NFCU continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with NFCU, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: ALLY FINANCIAL INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have so many inquiries from companies the same company over and over again

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 2018-05-16
Company: WELLS FARGO & COMPANY
State: WY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, XXXX, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on XXXX XXXX XXXX, XXXX but maybe on Wells Fargo. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XX/XX/XXXX. These loans were through my local bank and then Wells Fargo bought the bank and took it over on theXX/XX/XXXX. I had moved my accounts from Wells Fargo before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had Wells Fargo do this in another county in our state.

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 2018-11-20
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 I purchased a mattress from the local JC Penney store. Along with the mattress I purchased a foundation ( which the sales person said I needed ) and paid the {$25.00} fee for the delivery person to haul off our old mattress. I paid for everything with my JC Penney card. 

After going home & looking at our bed I realized we did not need the foundation. When the delivery company, XXXX XXXX XXXX, called to schedule the delivery I asked if we could refuse delivery on the foundation & the company representative assured me that would be fine. 

XXXX, XXXX brought the mattress the morning of XX/XX/2018. A man named XXXX XXXX signed the delivery receipt. On it, he made note that we accepted the mattress but did not make a note about us refusing the foundation. He did circle the ID # for the mattress and wrote Accepted Mattress. The handwriting is difficult to read but the word accepted is readable. My husband signed the receipt accepting the mattress. We were assured by Mr. XXXX that refusing the foundation was fine, and that our money would be refunded. 

In XX/XX/XXXX I received a statement from Penneys, which included the cost of the foundation, {$130.00}. I paid the cost of the mattress, {$1400.00}, in full. However, I filled a dispute with the company re : the cost of the foundation, which we did not accept. I called Penneys customer service line to do this and was assured it would not be a problem. I was told this happens all the time because the delivery person fails to notify anyone of the refusal. He said the foundation was probably sitting in a warehouse somewhere & just needs to be tracked down. 

In the last correspondence I received dated XX/XX/18, I was told my complaint had been denied and was informed that this incident would be reported to the credit bureau 's listed in the letter if I did not pay the bill. 

I will attach all correspondence between Synchrony Bank & me  regarding this matter. Synchrony Bank handles all the credit card accounts for JC Penney. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2023-12-08
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: SC
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 have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX  error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} SXXXX XXXX  error 30-59 days late {$290.00} XXXX XXXX  error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck XXXX  during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted. 

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ALLY FINANCIAL INC.
State: MI
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:
The credit bureaus failed to respond to my request to validate the negative information that they are illegally reporting to my credit report. I disputed the accounts and asked for them to be removed as they are in direct violation of 15 USC 1681s2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information. these violations are a directly affecting my ability to gain housing and employment. I am demanding that the following accounts. The following dates showing XX/XX/2017 by XXXX XXXX during this period I was incarcerated and disputed this as identity theft. 
Ally Financial is howling incorrect information. And the State of Michigan Child Support has never proven the DNA of the children and should not be reporting to my credit.

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 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a NAVY FEDERAL CREDIT UNION credit card on XX/XX/ XXXX The following day I then called in and spoke with a rep regarding the denial and they couldn't help me other than telling me I'll receive something in the mail and there's no one else I could speak to regarding me being denied access to my credit. 
I then messaged the lending team through online banking, who I asked to retract my application and they wouldn't and totally disregarded the fact that withholding my credits after contracting with them is in fact Securities Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$870.00}

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 2023-08-10
Company: Experian Information Solutions Inc.
State: SC
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXX/XX/2023

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 2022-07-15
Company: EQUIFAX, INC.
State: MN
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 recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe the account is invalid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the XXXX credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.

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 2023-12-18
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: Information belongs to someone else

Complaint:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

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