BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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:
I am looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has charged me thousands of dollars while allowing the same repeat transactions to go through over the last year and a half. I have talked to them and was told it would be made correct and it has not. Today they just took more money. I am going to be closing my accounts but I need my money back. They said they'd fix it and gave me a refund for like XXXX of the XXXX dollars fees, I asked to make the acct unable to over draw. They said they'd do that. they did 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 2019-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX AF XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX BANK XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 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 2021-10-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, my XXXX XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down XXXX points for absolutely no reason? There is no way to dispute a credit score with XXXX. I understand that a credit score can fluctuate, but there must be a glitch here.

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 2022-04-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and Experian and XXXX have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, XXXX and Experian continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX XXXX account in my credit report ( account # XXXX .... ) which is reporting as included in XXXX  XXXX XXXX  was filed in XX/XX/2015 and according to the FCRA, accounts included in XXXX can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the XXXX  public record for the XXXX XXXX XXXX  filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.

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 2022-04-07
Company: EQUIFAX, INC.
State: CA
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:
Beginning in XXXX, I have submitted multiple disputes to all three credit bureaus in regards to incorrect information being reported on my credit report. Equifax, XXXX, and XXXX continue to violate my rights under the FCRA. The following accounts contain erroneous, unfair information that is damaging my credit. 

XXXX : Account type is incorrect across all XXXX bureaus, Date opened is different across all bureaus, Last reported date is different across all three bureaus, Last reported date is different across all bureaus, etc. ( copy of credit report with errors circled enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX : Dates, account number, high credit, and payment history is incorrect/inaccurate. ( copy of credit report showing inaccuracies enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX : Inaccurate information being reported across all three bureaus. ( copy of credit report showing incorrect information enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXXXXXX XXXX Dismissed : Courts do not report nor verify information to credit bureaus. This information was obtained and sold to the credit bureaus without my consent and is a violation of both 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent. 

Furthermore the XXXX was dismissed without adjudication and in the eyes of the law, anything that has been dismissed is no longer valid or deemed to exist and therefore should not be on my credit report. This is a direct violation of the FCRA. The negative erroneous information being reported is effecting my ability to acquire housing and employment. The credit bureaus have refused on multiple occasions to remove this incorrect information claiming to have verified the accounts. how are these accounts being verified when all of the information is inaccurate. According to the FCRA, I have the right to a 100 % accurate and fair credit report. 
As I have included a copy of my credit report with inaccuracies already circled, I demand that these items be deleted immediately or I will be seeking litigation against XXXX, XXXX, and Equifax for violating the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX, I attempted to place a Freeze on my Experian Account. I initiated the process on their website, but after an hour of effort, I was informed that I would have to mail in copies of my Official Government ID, a Utility Bill, my Social Security Card, and my identity theft Police Report. I mailed the documents to Experian on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received a 14 page reply from Experian. The first page told me to send copies of all the materials I had already sent to Experian. It was not until page 4 that the letter stated that the police report I provided was insufficient for one of six possible reasons, the exact insufficiency not identified. I was told that I could have a credit freeze if I was willing to pay {$5.00}. 

I have provided more than enough documentation as to my identity and have also provided a valid Police Report. Experian is being deliberately opaque and unhelpful in order to reduce the number of Credit Freezes approved and, in the alternative, monetizing the process to make up for otherwise lost revenue. Not only is it unfair, it also increases the risk of identity theft by discouraging consumers from freezing their credit files.

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 2022-04-07
Company: NAVY FEDERAL CREDIT UNION
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 is missing that should be on the report

Complaint:
I did not authorize Navy Federal permission to run my credit on XXXXXXXX XXXX,2021. 

Who in their right mind runs a credit not once but twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX Applied for a Citibusiness XXXX XXXX Account with banker XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX branch during a promotion that ran from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I visited the branch again to finalize account opening procedure and to make an opening deposit. XXXX XXXX attached the promo code to my account and provided me the Terms & Conditions of the promotion. Please see the attached document titled " Citibank XXXX XXXX Checking Account Offer Terms & Conditions. '' XX/XX/XXXX I made a deposit of {$100000.00} at the same branch to meet the requirements for the {$1500.00} bonus level. Funds were maintained through XX/XX/XXXX ( please see attached document for account transaction history ) as required according to promotion terms : " maintain one of the Qualifying Balance Levels in such account ( s ) for 60 consecutive calendar days after the Qualifying Balance Level is met during the the initial 30 calendar days funding period '' According to the Terms & Conditions of the promotion below, bonus of {$1500.00} should have posted by XX/XX/XXXX : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' As of submitting this complaint on XX/XX/XXXX, I have not received the {$1500.00} bonus as promised.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have not been able to access my credit report for XXXX online through annualcreditreport, or directly through XXXX website. I have sent XXXX   notices for 9 months verifying my identity. I set up an online account it constantly says contact XXXX customer service. I have done so over the past three months as well by phone and have been told it has been forward to the technical department, nothing has been done, nor has it been corrected. I can not access my credit report online to verify corrections to my credit reports, the credit bureaus have not sent me a hard copy of 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 2017-09-30
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date. 

Please save me from long responses without answering the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Information is missing that should be on the report

Complaint:
A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to Experian my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.

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 2019-10-10
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine & Weiner just reported a {$150.00} collection account on my credit report. I have never been contacted by this company, and have no idea what it could be. When I call them, all they do is tell me that I can either pay it, or dispute it with the credit bureaus. They give me no details about the account, or where it came from. I recently found out that it is a violation of federal collection law to report a debt on someone's credit report, without first supplying them with a 30-day notice to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for a loan modification after finding out I could and was informed that because the sale of my property was less than 7 days out I could do a application but it would not be reviewed. The company never called or sent me any information on doing a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
When I go to XXXX XXXX to check my credit report they have it on my report that I still owe XXXX to XXXX XXXX .. When the car was traded in for a new car and it was paid for by the dealer. They are refusing to take this off. this is not correct. They show me as being late when it wasn't late I no longer own the car. It the title was in the dealer position. Apparently the dealer was late in getting the payment to XXXX so what does XXXX do they punish me by saying I owed them this money .. NO the payment was made by XXXX XXXX XXXX where we bought our new car XXXX They say they get their information from Transunion and rely on Transunion for the information. However Transunion shows the car was paid in full I have tried to get them to remove the late mention since I had no control over the when the dealer paid XXXX. 



XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Reported balance Highest balance {$29000.00} Nice! You've almost paid off 100 % of this loan OVERVIEW Highest balance {$29000.00} Monthly payment {$530.00} OpenedXX/XX/XXXX ( 1 yrs, 0 mos ) Term72 months ( 6 years ) PAYMENT HISTORY green_status green_status red_status green_status red_status You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status XXXX green_status red_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Worst payment status30-59 Days Late ACCOUNT DETAILS Account statusOpen TypeAuto loan ResponsibilityIndividual Remarks -- Times 30/60/90 days late1/0/0 CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA

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 2020-11-24
Company: CAINE & WEINER COMPANY, 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 asked XXXX to remove this incorrect information off my credit report as it is slowing down my process of succeeding & not only that the information is not mine nor have a got ta validation or it has been verified and its been over 90days of disputing.. please help immediately Caine & Weiner is the account for {$660.00} ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/22, I was unable to obtain my Equifax credit report from XXXX XXXX. I received an error message ( NH ) directing me to contact customer service. When I did so, the agent informed me that the code meant that one of my creditors had reported incorrect information and that I needed to submit a copy of my SS card and DL to correct it. I pointed out that if it was the creditor 's error why should I have to confirm my identity. The agent then hung up on me. 
A second agent asked for the same verification information and I gave it to him. He stated that he was able to clear the error and stated that he was sending me a physical copy of my credit report but gave me an incorrect address, when I told him it was the wrong address, he gave me my correct address. I then asked for access to the myEquifax website, he stated that I should be able to access it. I tried but wasn't able to. 

As of now how I have been on hold with Customer Service for 46 minutes and counting. I have logged into their websites on XXXX and XXXX seeking help. No repsonse.

Company response to consumer: Closed with explanation