BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XX/XX/XXXX ; XXXX XXXX . XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2019-12-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources  unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2018, an unauthorized inquiry was put on 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 2021-03-17
Company: Experian Information Solutions Inc.
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 am a victim of identity theft

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 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I received a letter from the bank, stating they deny that an unauthorized ATM withdrawal occurred twice in the amount of XXXX it happened in XXXX and then it happened in XXXX the one in XXXX I was actually sitting in front of the banker. He was actually looking at my account and I was asking him a bunch of questions on why the first one was disputed when I left I looked at my account and saw another XXXX was taken out in XXXX XXXX Nevada at the same ATM but the banker fail to even say anything to me about it, and I went back in, and its denied again I reside in the state of Pennsylvania, I just had my spine fused together. I have not been in XXXX XXXX for XXXX years and then I had a different bank so it has nothing to do with that. Also, theres a bunch of other charges that XXXX found they asked me for my IMEI number and XXXX went down a list and said this is not you this is not you you did not send this you did not send that all from the IMEI they were able to figure it out, but green dot who deals with XXXX Pay denied it so now I have to go to citizens Bank alone, filing this complain about and dispute. Are these transactions also this is the second time that Ive had a big issue with this bank the last time I received a letter from the chief of operations and they credited my account the {$3000.00} but it took them XXXX months and me complaining to different agencies I am fed up they still have yet to even change my bank account number. All they do is keep giving me new debit cards this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: WI
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:
There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please

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 2021-11-13
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called to pay off the {$80.00} balance with my Macys that I found on my XXXX report. I spoke to a male and he took my credit card info to process post dated payments for XXXX XX/XX/XXXX. I called on XX/XX/XXXX because my first payment hasnt been drafted yet. The lady on the phone told me I no longer had an account and she didnt see a payment plan made because there is no acct and they are no longer collecting the {$80.00}. Im not sure why this was not told to me when I spoke to the first rep. He took my credit card information to pay for it and read me the whole script about my payment. I dont know why he really did with my info if he didnt have an account to enter it. I asked them to have a manger listen to that call and call me back and I havent heard anything yet

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 2021-09-13
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We are the sellers of our RV that is financed with XXXX XXXX. The buyers are financing with Bank of the West/Essex Credit Division . 

Our signed Purchase Agreement dated XX/XX/XXXX, states {$83000.00} has the sales price for the RV. We also signed a Power of Attorney giving Bank of the West the ability to do the title and registration once the Purchase Agreement was executed. 

On XX/XX/XXXX, the buyer, per instructions of Bank of the West, sent our bank, XXXX XXXX, a check for {$100.00} On XX/XX/XXXX, a check from Bank of the West was sent and posted to our XXXX XXXX  account for {$78000.00} which paid off our RV Loan. We did not see any other payments posted except for this {$78000.00}. 

On XX/XX/XXXX, we contacted the buyers to arrange for the remaining balance which we calculate as {$4400.00}. Once the balance was paid, we'd arrange for buyer possession. 

On XX/XX/XXXX, the buyers contacted us and said Bank of the West instructed them to sent {$100.00} to XXXXXXXX XXXX and to pay us {$4000.00} ( which is what Bank of the West calculates as our balance owed ). We disagreed with the amount owed. We communicated that clearly in email and texts to the buyers and to their bank and that the amount owed is {$4300.00} after crediting {$100.00} sent to our bank. 

On XX/XX/XXXX, we are still in disagreement with the amount owed. We communicated that clearly again in email to the buyers and to their bank and that the amount owed is {$4300.00}. Since we weren't in agreement, we asked the buyers to arrange a conference call with their bank, the Bank of the West for XX/XX/XXXX at XXXX EST. 

On XX/XX/XXXX, we could not get the parties to join a conference call. We communicated that we are still owed the {$4300.00} to complete the Purchase Agreement. 

We are very concerned we will not see the amount owed of {$4300.00} and the buyers bank is proceeding with the title transfer and registration of the RV. We are still in possession of the RV and the keys and have communicate we revoke the Power of Attorney for the tiltle transfer and registration unit the amount owed of {$4300.00} is settled.

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 2022-09-22
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 status incorrect

Complaint:
The inaccurate information that Experian has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Experian expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. 
This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. 

I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help me

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 2021-11-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX from ~XX/XX/XXXX to XX/XX/XXXX. I was in the process of working on my degree when I left to join the XXXX XXXX XXXX. I had to pay back my loan over the next few years. During the initial in-processing to the school they had my mother sign up to what they called the XXXX XXXX ' loan. I'm unsure of the specifics of it, but I believe it basically copied my loan onto my mother in case the loan didn't work for me. Years later the lawsuit against XXXX came about. I'm again unsure of the specifics or if it even resolved. Despite my loan having been paid back in full by this time I was never reimbursed for any amount I gave. Likewise, my mother is still being forced to pay back her 'portion ' of the XXXX XXXX loan. Not only should my portion of the loan be forgiven and reimbursed, but the XXXX XXXX portion should also be nullified and my mother reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would 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 2021-09-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. 

Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It was back in XX/XX/2022 I was charged {$75.00} and {$35.00} in bank fees they wouldn't wave it so I paid it than in XXXX of 2022 I was {$35.00} overdrawn and they just closed my account.

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 2020-01-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reach out to Navy FCU numerous times in regards to incorrect payment information, last payment date status and when the account was close. The information that is being reported are incorrect. They just reported I was 60 days late, yet the account is charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SYNCHRONY FINANCIAL
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:
they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. syncb/ sams. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft

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 2019-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/XXXX at approximately XXXX XXXX I went to BMO Harris bank on XXXX XXXX XXXX in XXXX, WI to deposit {$240.00} into my checking account via ATM. At that time {$120.00} was recorded but was not placed into my account however {$240.00} was the amount deposited. The denominations were one single  XXXX dollar bill and seven XXXX dollar bills. The ATM logged off and shut down, and at that time I saw an employee exit the building as they were closing for regular business hours. I asked her if she worked at the branch and she replied yes. I quickly explained what had just happened and the employee stated that the only way she could help me was for me to come back the next morning. The next morning I went back to the branch to discuss this with the same employee about the issue I had experienced at the ATM. She called the corporate office and filed a dispute to rectify my {$240.00} deposit. I was told ATM would be balanced and my money would be deposited at a later date. However my rent was due and I needed the money placed in my account immediately. My boyfriend stepped aside to take a phone call, the employee proceeded to offer me a credit card so I could take a 26.4 % cash advance on the credit card in order to pay my rent. I had no intention of opening a credit card, I did not believe this was the only option to obtain my funds however felt forced into opening a credit card with BMO Harris. Due to my age I felt that opening a credit card was not a reasonable option. After I had opened up the credit card, I called the BMO Harris customer service phone number to explain the issue that had occurred and the lady on the phone would not help me as she was stating that I was being " coached '' by someone in the background during my phone call, the lady proceeded to state that she could not help us due to this fact and hung up. To date my funds have not been deposited into my account. On XX/XX/XXXX, I called the bank manager to see how this situation had progressed and was told that it was not even on record but would look into it the following monday, XX/XX/XXXX. I am not in a position to be without this much money and need this rectified as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief