BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am not responsible for these accounts. I disputed them and they are offering settlements for activity I did not do or apply for the accounts. My identity has been stolen and these accounts have been opened unknowingly

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 2023-06-02
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a navy federal account in 2019 I never used the card and was the victim of identity fraud. I disputed the over {$15000.00} in charges with them and have yet to be able to resolve this issue. 

I have only used my card for {$3000.00} in charges in which i paid in full. I don't what else to do to get this resolved. I am hoping you will be able to assist me in resolving this card issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: IL
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 am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've tried to contact Capital 1 directly, but get a message saying : " Looks like there's an issue with your account. Before we can chat, you'll need to clear it up. Check your account for more info on what to do next. '' When I click the link to correct the issue, nothing happens. So I can't get through to customer service. 

I paid off the account on XX/XX/2020. On XXXX XXXX I noticed there was an interest charge of {$55.00}, so I paid that off too. Now, on XXXX XXXX there is another interest charge of {$5.00}. Even though it's a small amount, I don't understand how it's calculated since there has been no transactions since last statement. ( See screenshot ). 

Also, I don't know if they will continue to add interest fees to this paid-off account in the future. Since they won't allow me to contact their customer service online, I can't ask them to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/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 2020-07-22
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I recently went to purchase a new XXXX vehicle only to find that I was denied due to an error on the part of GM Financial by not accurately accounting for the last lease payments I made in the amount of {$1300.00} on XX/XX/XXXX, which was a day after I turned in the old lease and was the amount I was told I needed to payout to close the lease. As you can see from the attached, on page 1, second item down, I pulled all of XXXX 's electronic payments from my bank and I am in receipt of an electronic payment ( with confirmation code ) from my bank that shows payment of {$1300.00}. Also included on page 3 of my monthly bank statement shows payment made to GM Financial on XX/XX/XXXX in that same amount. 

I have requested, multiple times, that GM Financial immediately correct this error and close this account, contact all three credit bureaus and restore my standing in good faith. 

I also received a credit denial ( attached ) as a result of this action which has destroyed my credit in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Closed my Secured Credit Card with credit line of {$10000.00} and never recieved my cashiers check. Did a stop payment and faxed it in customer service does not have any info on my faxed forms and can not get me my money deposited into my bank account which is the same one it was credited from. Been trying to resolve this since XXXX and Wells Fargo can not give me the answers I need to get my money or will not 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-01-28
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi I started working for the XXXX  XX/XX/XXXX. I decided to apply for Public Loan Service Forgiveness ( my previous employer also qualified ). I submitted the application in XXXX and it took months to get switched over to Fed Loan Servicing ( my previous servicer was XXXX XXXX ). I applied for an Income Driven Repayment plan on XX/XX/XXXX. I have attached the confirmation e-mail here. It originally said online I would hear something by XX/XX/XXXX which did not happen. I called at the beginning of XXXX and they said it takes a long time the first time. They allowed me to pay {$20.00} for the month of XXXX which I agreed because my payments would not count towards PSLF unless I am on an IDR plan. I logged on yesterday and it now says I am on a standard repayment plan and owe over {$2000.00} in XXXX. My IDR application still just said " received ''. I submitted a new application XX/XX/XXXX. However, now when I log in I can only see the new application and not the original. I can not afford to be on a standard repayment plan. I applied for IDR XX/XX/XXXX and when I called they could not explain what the delay was. These are also months where my payments could qualify towards my 120 payments but they will not qualify because Fed Loan Servicing will not process my IDR request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit. 

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual. 

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Please see listed accounts reporting late payments XXXX. XXXXXXXX LATE PAYMENTS REPORTED XXXX. XXXXXXXX XXXX LATE PAYMENT XXXX  XXXX XXXXXXXXXXXX LATE PAYMENTS XXXX. XXXX XXXX-NO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.

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 2020-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
During the COVID 19 Emergency, 1. ) ( SPS ) Select Portfolio Servicing ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX  ( Trustee ) Select Portfolio Servicing on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : Select Portfolio Servicing ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX  ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX  XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX XXXX {$460.00}

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 explanation
Consumer complaint received 2020-05-05
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 was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to these accounts.

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 2023-06-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is a current and active account. I paid XXXX that was owed to re-open this acct and have had a good standing with them over 1 year. I currently have two accounts with them. One credit builder and the other is the secured card. 

XXXX XXXX XXXX XXXX : XXXX was repoed in 2018. Then sold. The balance to this vehicle keeps climbing and states the auto loan is open. This has caused many issues with me attempting to get a new vehicle because it states I have an open loan. I do not.

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 2018-08-07
Company: HW Holding, 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: Information belongs to someone else

Complaint:
XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX XXXX are using unfairl pratices to ftc vilation and fair credit report act an hippa

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to support To whom it may concern, I have never ordered anything from your website. I have informed my bank that the XXXX charged to my account is fraudulent. Please return XXXX to my cre. 

XXXX XXXX Customer Support XXXX via XXXX XXXX XXXX, 2020, XXXX XXXX  to me Thank you for contacting Customer Support. 

Your account with us is closed, you may consider this message as confirmation of cancellation. 

Additionally, you disputed the charges with your bank, and therefore they will provide any refunds, if necessary. 

For further inquiries or to make changes to an existing order, please call ( XXXX XXXX XXXX to speak with a live customer service representative. 

Our courteous and efficient staff is available twenty-four hours a day, seven days a week including all Federal holidays ; please understand that hold times may vary depending on call volume during peak hours. We can assure you that all of your questions and/or concerns will be resolved, and you will be completely satisfied with our outstanding service. 

Thank you, 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 monetary relief
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: NY
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:
When I call into the company they are not helping me over the phone.

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 2020-05-05
Company: CITIBANK, N.A.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Credit card fraud

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 2020-07-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Each year, I request and receive a free annual credit report via https : XXXX from each of the 3 major credit reporting companies. Today, XX/XX/XXXX at around XXXX, I tried to get my free report from Equifax. I never have problems getting my report electronically from either XXXX  or XXXX, but each year Equifax requires that I put myself at increased risk for identity theft by sending in a paper form along with a great deal of SPII. Last year I filed CFPB Complaint Number XXXX about this same issue. I am attaching a screenshot of the first page of my XXXX Equifax credit report to help verify my identity.

Company response to consumer: Closed with explanation