BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: WA
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:
In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with XXXX. While I have managed to get all of the other fraudulent accounts removed from my credit report, the XXXX account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with XXXX was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was a victim of Identity theft. The account that was opened on or about XX/XX/ established at an address that I have never lived in. I put a freeze on all consumer reporting bureaus and I requested this be removed off of my consumer report and some how this account keeps getting verified as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inaccurate and unauthorized names and inquiries that I did not initiate or utilize on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX Everything else is unauthorized.

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.

Company response to consumer: In progress
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed several unauthorized inquiries on my credit report. I filed a FTC report on XX/XX/2022 and I feel like my rights have been violated. Please fix these errors with XXXX, XXXX and Transunion. 

Attached : FTC 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is showing my utilization to be 20 % while the other reporting agencies are showing 2 %. They have not updated my account with the proper information that I have settled my debts months ago. This is causing an undue burden for me to purchase a home due to their lack of attentiveness and diligence to be reporting out accurate information.

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 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capitol One froze my account because I was trying to buy XXXX currency from a well known XXXX XXXX XXXX located in XXXX XXXX, Ca. I called them XXXX different times to verify my purchase with them and explained it to them. The XXXX time I called Customer Service about this issue the representative said that Capitol One would send a check for the XXXX dollars from our checking and savings account! Its been well over a month or more and still no check for my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: IL
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: Other problem getting your report or credit score

Complaint:
Im trying to get all 3 credit score an only 2 is showing yall not releasing my other score I dont whats the hold up I need my score untless yall going to give me some money in return to fix this problem release my score so I can become an home owner have an good 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 2020-10-30
Company: AMERICAN ADVISORS GROUP
State: TX
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:
AAG ( American Advisors Group ) refuses to supply the FCRA clause that allows companies to verbally access a consumers credit report. Attached is the letter they continue to send but they do not supply the legal reason. It appears they are not fully knowledgeable of the FCRA Section 604. AAG continually states they had legal permissible purpose but will do nothing to defend. I will not give up until they supply the legal that allows them to use verbal permission to access a consumers credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
State: AE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I notified NFCU that I was called to XXXX XXXX and requested my two credit card and personal loan interest rates be reduced to 6 % IAW the SCRA. 

On XX/XX/XXXX NFCU confirmed that they received the request and to allow 10 days for eligibility determination and another 30 days for the action to be processed. 


On XX/XX/XXXX, I contacted NFCU for a status update and the representative told me to check back in three days. 

On XX/XX/XXXX, I contacted NFCU via secure messaging and requested a status update and that I'll be launching an official complaint. 

On XX/XX/XXXX, NFCU responded " We have completed the initial review of your request and determined that you may have one or more accounts deemed eligible for Servicemembers Civil Relief Act ( SCRA ) protection. However, due to a high volume of requests for SCRA benefits, we do not have an exact estimation of when your request will be completed. All requests are processed in the order that they are received, and we are working diligently to complete your request as quickly as possible. We would like to assure you that any eligible benefits will be backdated appropriately when your accounts are processed. '' I understand that they may have a high volume of request to process, however that should not affect me or NFCU compliance with various laws. In another two weeks, it will be going on 2 months since the request was submitted. In my opinion, if NFCU is unable to handle the volume of request in a timely manner, then NFCU should contract or hire additional FTE within their compliance department to handle such request. 

As of the date of this request NFCU, still have not processed my SCRA claim for the following accounts : Credit Card XXXX ( 18.00 % ) Credit Card XXXX ( 18.00 % ) Personal Loan XXXX ( 17.75 % )

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 2018-07-27
Company: Riverwalk Financial Corporation
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:
XX/XX/18 -- I submitted a complaint regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX College. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My XXXX XXXX GI Bill covered this tuition in full. I do not owe XXXX College or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately. 
XX/XX/18-XXXX XXXX from XXXX XXXX XXXX responded claiming that these debts were not paid for. Attached to XXXX XXXX 's response were my account ledgers showing payments and 0 balances, PROVING MY POINT. I will attached these ledgers to this complaint. 
XX/XX/18-Sent proof of payment letters from the VA to Mr. XXXX at XXXX XXXX XXXX after several phone conversations. He assured me the letters from the VA confirming the payments were being uploaded in the system for the manager to review. 
XX/XX/18-Still no resolution so I am now submitting another complaint which will provide the aforesaid documentation from the VA and XXXX XXXX XXXX showing the tuition was paid for. By the way, I am submitting the ledgers from XXXX as I received them, inaccurate file names and all ( they seem to have confused me with a recently deceased actor, XXXX XXXX. But the document itself has my name correct once you open it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a complaint yesterday - XXXX The company responded that they believed I was working with a credit repair company, as the normal consumer would not be smart enough to realize that they violated the law. It is irreverent whether Im disputing a file or Ive hired someone to do that for me. The law is the law. I submitted a dispute to this bureau and they had 30 days to investigate it. They had an additional 5 days to advise me of their findings. None of that was done, therefore they must delete the accounts that was issued in the dispute. 

I guess Im not the normal stupid consumer. Im aware of the law and I insist in receiving the answers Im entitled to. Im considering taking further action to get this resolved..

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2020-10-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The XXXX is the Michigan State Disbursement Unit, which gives me alimony and child support. 
On XX/XX/XXXX I deposited XXXX checks issued by the XXXX in my Chase Bank Account : Check number Amount Date issued Date cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Not cashed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Unfortunately, the XXXX had deposited in a pre-paid card the amount for check XXXX which made the check void. 
I currently live in XXXX, taking care of my sick father. I wasn't aware of this check 's cancellation, the XXXX statement can't be consulted in internet when you are out of the country. It has some kind of blockage when checked outside the US. Also, the mail sent to my XXXX address was lost, reason why I changed my mailing address to the one attached. 
Chase blocked my account. 
The XXXX provided me, ends of XXXX, with the dates when Chase cashed the checks. 
The total amount of the cashed checks is {$11000.00} I was required by Chase to physically go to a branch and identify myself and provide all kinds of documentation before I could obtain any money. I repeat, this is child support and alimony. 
I did travel to a branch in California in XX/XX/XXXX, paid for travel expenses. I provided IDs, XXXX statements, divorce agreements, proof of mail address in Michigan, etc. There was not a single document they required that I couldn't provide. 
A couple of days later I received in my mailing address, in Michigan, a check for {$5900.00} from Chase. 
I called Chase about a week later and I was required the phone number for XXXX section employers ( XXXX ) which manages the checks and amounts. Chase indicated that XXXX is working currently from home and have no information about the checks. The Chase customer service person, " XXXX '', was not willing to provide her last name, any name or suggestion on how to manage this issue, or name the reason why they will not pay me the leftover money. Period. 
It seems as if Chase still had to confirm I deserve to have the amounts. 
They still owe me {$5200.00}. I am being charged with interests for the money I owe due to this deficit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Conduent Incorporated
State: GA
Product: Credit card or 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:
Way2Go removed the bank transfer option, so the only option is to do bill pays direct or withdrawal cash. They note you can call XXXX to do a funds transfer to bank, but after calling and trying all the options, there were not options via the number to do a bank transfer. I need the money in the bank account that I use to pay my bills already. 

I've set up the direct deposit for additonal money to go to my bank. I have XXXX as my bank and they don't have physical branches, so it isn't easy to pull out all the cash ( incurring fees anyway ) and deposit into my bank. 

Way2Go needs to add the bank transfer option back! They are doing this intentionally so you use the money in ways that will incur more fees for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Accurate Background
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not made aware that I can opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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 several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check 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. I am doing this on my own.

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 2020-09-23
Company: Experian Information Solutions Inc.
State: TX
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:
Hurricane Harvey flooded my home in XX/XX/XXXX. Several months afterward, my XXXX  credit report noted a XXXX account was 120 days late. I first discovered the adverse information in XX/XX/XXXX, in reviewing my credit in anticipation of applying for a construction loan. 

On XX/XX/XXXX, I disputed the XXXX and other adverse information by letter sent certified mail, return receipt requested, to Experian. My proof is attached. On XX/XX/XXXX, Experian received the letter. The USPS delivery information is attached. 

On XX/XX/XXXX, I called Experian at XXXX and talked to XXXX. She denied receipt of my XX/XX/XXXX letter, accepted my call as a new complaint, asserted the right to another 30 days before responding, and refused to look for my original complaint. 

On XX/XX/XXXX, I called Experian again at XXXX, but this time with my proof of delivery in hand. I talked to XXXX, who denied receipt of the letter, mocked me when I offered the delivery information, refused to research my original complaint and hung up on me. I called back, and talked to XXXX, who connected us to XXXX, which refused to talk to us. XXXX asserted the right to 30 days from XX/XX/XXXX before responding. 

My letter 's proof and delivery information is attached as file XXXX doc XXXX FTC - Experian complaint support.

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 2020-12-09
Company: Northland Healthcare Alliance
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have XXXX and have a representative payee service. The payee service is conducted through a public sector mental health agency called Recovery Resources. We are in XXXX, Ohio. The representative payee service is called XXXX. The objective of the company is to allocate weekly pay from monthly XXXX payments from Social Security. 

I normally get around {$76.00} per week. Today, I only received {$14.00} and last month I received {$73.00}. I also suspect that every week there has been a different pay amount. This was vastly different enough to notice clearly, this morning as about {$58.00} is missing from the payment. 

So, I would like someone to check if the payments have been unfair as I know that social security payments fluctuate somewhat, based on month-to-month. Secondly, what can be done about the missing money for this week? 

To include dates, the {$14.00} too-low amount was deposited today on XX/XX/20. Last week, {$73.00} was deposited on XX/XX/20. Other dates I do not seem to have record of. 

XXXX is the employee at Recovery Resources who establishes the money through XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-17
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
About 5 days ago I got an agent on the phone that said he was with American Express. He started asking me for personal information and I told him I wasn't interested with American Express. He kept trying to get personal information and I told him I don't have to give it to him because I'm not interested. He said no problem. XX/XX/19 I received 11 different envelopes for me to fill out to join American Express. I was so angry.. I talked to a Rep today and she said to give this information to you and you would be able to help to clear up this situation. I had no idea people trying to get people to join could be so ruthless! I hope this story helps someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.

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