BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Subject : Urgent Request : Rectifying FCRA Violations in My Credit Report Dear TRANSUNION, I am urgently reaching out to address critical discrepancies in my credit report that violate the guidelines set forth in the Fair Credit Reporting Act ( FCRA ) within your agency. 

The FCRA serves as a crucial federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent disclosure. 

Identified FCRA violations encompass : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Failure to comply with prescribed dispute resolution protocols. 
Under the Fair Credit Reporting Act, I have the right to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my information is used in credit applications or transactions against my interest. 
Dispute and request correction or removal of incomplete or erroneous data. 
Have outdated negative information removed in accordance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused considerable distress and directly contributed to my recent credit denial based on errors in your agency 's records. 

[ Include the detailed list of items to be corrected, specifying their inaccuracies and requested corrections. ] I anticipate prompt and comprehensive action to rectify these violations within the FCRA stipulated timeframe. Failure to address these issues will necessitate exploring additional measures, potentially including legal actions, to protect my rights under the FCRA. 

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 explanation
Consumer complaint received 2023-06-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On around XX/XX/2023, as a federally protected consumer was denied extension of my own credit for personal, family, or household needs by NAVY FEDERAL CREDIT UNION when I applied for an auto loan of about {$32000.00}. This denial has not only caused emotional and mental distress but has made it very difficult to be able to do the normal daily things that come with life, like going to work, school, grocery shopping, tending to family needs, etc. I feel like NAVY FEDERAL discriminated against me and treated me less favorably than other applicants. Denying a consumer/applicant extension of their own credit solely based of a " credit score '', " too many accounts recently opned '' " balance to high '', etc are NOT deciding factors. Especially when the definition of " Account '' means " an extension of credit ; open-end credit plan '' or when 15 USC 1666d tells you what to do with the treatment of balances Furthermore, NAVY FEDERAL is in violation of several federal laws and Congress made it clear when it comes to Adverse action against a consumer/applicant, however NAVY FEDERAL thinks they are above the law and feels entitled to dismiss what the law says. I have tried reaching out to them to make them aware of the situation and give them the opportunity to resolve this matter however have been unsuccessful. 
By denying extension of my own credit, NAVY FEDERAL CREDIT UNION has unauthorized use of my social security ( credit card ) pursuant to 15 USC 1602 ( p ). I believe the application that I filled out with my social security is actually the collateral security that generated the credit, since financial institutions don't have the power to loan ( 12 USC 83 ) but only to BORROW and PAY INTEREST ( 12 USC 1431 ). Adverse action against a consumer is PROHIBITED by law. Pursuant to 12 CFR 1002.2 and 12 CFR 1002.7, a creditor may NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. You can also find a clear definition of adverse action in 15 USC 1691 ( d ) ( 6 ). I also have reason to believe NAVY FEDERAL is in breach of fiduciary duties pursuant to UCC 3-307.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I fell behind for XXXX and XXXX of XXXX. I called as there web site was too convoluted to get the payments caught up. What I was told on the phone with the agent, was to put in the XXXX plus dollars and it would be divided and put into, XXXX and XXXX. What really happened was they took the XXXX plus and then tried to take another XXXX on top of the XXXX which i did not authorize and my bank account bounced the XXXX. I immediately went to the bank to find out why I had a overdraft charge. That is when the bank told me about the XXXX after they took the XXXX. The bank told me that they made an unauthorized draft. They credit me back the overdraft. I was then told to contact them by phone. I tried and the phone system would not get me to a person. I stopped all payments and took back the XXXX. I contacted XXXX XXXX to find my next steps. In the mean time, I made my normal XXXX payment of {$1000.00}. There web site did not show the XXXX for a week. XXXX XXXX told me to call and make arrangements for the XXXX. I got through to an agent finally and recorded our call. I and the agent agreed that I could add XXXX to my regular payment and it would be put towards the XXXX till it was satisfied. The Law Firm sent them a letter telling them they made an ilegal draft and need to credit me that. They did not and they have not responded back to XXXX XXXX. At the same time, they keep sending letters of the XXXX being owed and to call them. As we agreed on the phone, I sent to them a bank check for {$1500.00}. I put on there web site, cancel bank drafts. What I got in the mail was I now owe them, XXXX and they did not put the XXXX towards that dept. What they have done is try to take money out of my bank again, even though I cancelled and sent them a check. I have copies of there web site, recording of my call to them, and emails with letters all certified mail. I sent letters and I keep getting letters of dept owed, to call them and all without them honoring anything I have tried to do to remedy the situation. This started in XXXX, XXXX. I was told to file a complaint with you bye my attorney 's with XXXX XXXX and they still are waiting on a response to there initial letter to the Mortgage Company, I have followed my attornys leading in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-29
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXXXXXX This company contacted me by phone only and told me I owed from my Nordstrom credit card ( a card I closed over 15 years ago ) I paid this debt off many years ago. They took my debit card information bc I thought it was on my current nordstrom credit card. I don't think this is a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: NY
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:
Equifax for the past year, continues to report inaccurate false information despite me providing evidence alleged debts and accounts do not exist. I am experiencing major adverse consequences as a direct result of Equifax not reporting accurate information as per the Fair Credit Reporting Act and statute of limitations under State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.

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 2023-06-29
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They're sending me emails about a debt of {$670.00} I do not owe. Me and my father have the same name and I believe he used my information to get a credit card in my name and because of this my credit score has been negatively impacted by this. My wife and I are trying to purchase a home and can not because of my score. This is a defamation to my character and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: PA
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 contacted Equixfax about account # XXXX and # XXXX which is XXXX XXXX  I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting XXXX days late and also collection Equixfax is allowing XXXX  to commit fraud and they are also by not verifying it and communicating the steps of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had the Avant credit card since XXXX  of XXXX. I have never been late on the card up until XX/XX/XXXX, I scheduled my credit card payment for the scheduled date and it posted business days later. After that late charge and I followed up by paying the card off in full on XX/XX/XXXX. I called and asked as a courtesy if the late fee can be refunded/waived. The representative that I spoke to, said she would put in the late fee waiver request. Two days, later I received a letter via email stating that the request was denied. I called multiple times since XX/XX/XXXX and each time spoken to representative XXXX  despite my request to speak to the corporate headquarters in Illinois. Also, I dialed the corporate headquarters toll free number and was routed to an XXXX  contact center. Some of the representatives there have been rude, short and unable to explain the terms in the credit card agreement that prohibits fee waiver as a onetime courtesy. Most importantly, I made a payment in full, and despite that balance remaining on the account after the statement cycled on XX/XX/XXXX was {$52.00} and that amount was due in full for the next payment date of XX/XX/XXXX. I called to inquire on how I owed this amount, which I am disputing. Again, the representative was uninformed, and short. The minimum payment generally is a percentage of the balance owed not obligating the consumer to pay the full amount. Finally, as of today 's date, XX/XX/XXXX the account is showing I have negative XXXX available despite the fact I paid the balance in full and made an overpayment. I believe Avant is misrepresenting the credit card agreement, stating false information over the phone and providing inaccurate updates of the credit card account 's current and available balance. I have not been able to access my account funds as a result and have spent countless time trying to reach corporate headquarters regarding this matter. IT IS BAD CUSTOMER SERVICE AND NEGLIGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

Bank XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Amex Platinum card promised XXXX dollars for travel to offset the annual fee ( {$550.00} ), but it was not clear to me that it was only for incidental charges but not booking flights. There were also perks like monthly $ for XXXX or XXXX where I found that ordering through UberEats could be more expensive than ordering the actual meal at the restaurant + restaurants would stop accepting it without notice so I could not use it the way I anticipated. Then they raised the annual fee going forward for the exact same card without asking consumers if they are interested in it ( you would think that they would have to offer consumers the right to the same terms as they signed up for ) and offering new benefits. One of these was XXXX dollars to book hotels at fine hotels and resorts so long as you book through their portal. I booked a hotel through their portal and was wondering why I did not get my credit back. Turns out that it was for a collection of hotels and resorts ( super expensive ect. ) that THEY call XXXX XXXX  & XXXX, but not any hotel offered through their portal! Eventually I was fed up with them and tried to cancel the card. They gave me a hard time trying to convince me that I should keep it, including requiring me to transfer to a " special team '' whose job it is to convince me to stay, but finally read me the disclosures and " cancelled '' it. Only they never really cancelled it. A week or so later I checked up on it, fortunately, and discovered that they never did cancel it. I had to call back again and go through the same process. Only then did they truly cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX MY XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MI
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was being scammed very badly, and was tricked into withdrawing {$16000.00} in cash, completely emptying my checkings. After first transferring all of my savings into checkings. Chase violated their own rules and regulations in allowing me to withdraw this money, no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: AMERICAN HONDA FINANCE CORP
State: TN
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 sent a letter to credit reporting agency to remove inquires that I do not know from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation