BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, 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 2019-03-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX and NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and NAVY FCU with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I returned 2 orders to XXXX in XX/XX/XXXX on orders that I purchased in XXXX of XXXX. Back then, the Fidelity credit card was issued by XXXX XXXX. Since then, Fidelity has switched issuers to Visa. 

XXXX processed the returns to the original credit card of purchase ( Fidelity XXXX, now a Fidelity Visa ) on XX/XX/XXXX. The two separate amounts of {$160.00} were not credited to my account, likely because Fidelity 's systems are not set up properly to acknowledge the return from XXXX. 

Since then, I've called in to Fidelity over 10 times to get the 2 refunds  processed to my credit card account. I've spoken with multiple agents and faxed in the XXXX email confirmations that show the two separate returns. Fidelity has yet to take action and do anything. It has been 4 months.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On my XXXX credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX 
XXXX, VA XXXX XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Account Name : XXXX XXXX XXXX To whom it may concern : You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance this is inaccurate reporting and needs to be deleted immediately.

Please mail me a physical copy of my credit report when the above deletion has been executed. 


Sincerely, 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 2018-09-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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 a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is calling on a COMPANY credit card debt owed to AMEX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the AMEX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2020-11-03
Company: The LGM Co., Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
LGM financial had previously charged my account without authorization on XX/XX/XXXX. The loan payment is late, however, they are contacting my references for payment. The payment has been mailed in. Both myself and my references are being harassed by this company. The lack of respect this company has is out of control. They are intrusive and completely disrespectful.

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 2023-06-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I do not have any correspondence from this company any more and further more would like to have the negative account removed from my credit due to the fact that I paid off the balance, and also ; the reporting is a violation of my privacy.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told them to stop calling numerous times and have even written emails and they will not stop calling. When they do call they cal back to back 4-5 times and hang up right away when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We took out a US Bank mortgage loan approximately 15 years ago. The terms of the loan were monthly principal and interest payments of {$320.00} per month. The loan had a provision that there would be a balloon payment for the balance at the maturity date of XX/XX/XXXX. At that point, we attempted to make payments, but eventually they were not accepted. 

We completed a loss mitigation package in hopes of getting the mortgage modified. US Bank responded with the following approved option : 40 payments of {$1100.00}, interest rate of 5.5 %. Payments were to begin on XX/XX/XXXX with a loan end date of XX/XX/XXXX. Based on our income and current monthly expenses, we will not be able to make this payment. We have appealed the decision and are awaiting a formal response from US Bank. 

We want to keep our home and not lose the home to foreclosure or some other liquidation options. We are hopeful that US Bank will look at other options that will work for us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.

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 2022-12-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told them to stop calling numerous times and have even written emails and they will not stop calling. When they do call they cal back to back 4-5 times and hang up right away when I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from captial one that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX and XXXX need to be removed also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Due to OR XXXX notice of statewide hack of personal information, first attempted credit freeze with XXXX, XXXX, XXXX on XX/XX/2023. All three reports showed an inquiry from Capital One on XX/XX/2023. After applying credit freeze, contacted XXXX which assured me it was " a 'soft inquiry ' that most likely, nothing would come of it ''. 
On Saturday XX/XX/2023 received a congratulatory letter from CapitalOne on a successful application, with a spending limit and ended with " Thanks for choosing Capital One ''. Upon opening that letter, called Capital One and explained I did NOT apply for the credit card ; the phone representative stated he could not help closing the account but that I would have to wait and call back on Monday, XX/XX/XXXX. 
Promptly called Monday morning and was met with two representatives, the second of whom was authorized to begin the fraud report. However, even though it was explained repeatedly that I DID NOT apply for the card nor did I want to keep the account open, XXXX began questioning, " oh, you didn't apply for this credit card? '' ( NO, I did NOT ) " Are you SURE you didn't apply for this card? '' ( YES I'm sure, I did NOT apply for this ) " Could anyone else you know (? ) have applied for this card FOR you? '' ( NO, there is not ) 'You don't want to keep this account? '' ( NO, I did NOT apply, nor do I WANT it ) Agent XXXX relented and initiated a fraud alert through CapitalOne Credit on account ending # XXXX on XX/XX/2023 at XXXX PT. According to XXXX, the fraud investigator might call with further questions and it would take 60-90 days to close the account. 
Later in the day, the card itself showed up in the mail; please see attached files. 
I have also followed up with the credit report companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: JPMORGAN CHASE & CO.
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:
Chase Auto , charged-off my auto loan around  XXXX . Insurance and GAP insurance made the payment after the charge-off. The account is no longer a charge off as it 's been PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: American First Finance, Inc.
State: OH
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19
Company: EQUIFAX, 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 XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon XXXX sent ftc violation

Company response to consumer: Closed with non-monetary relief