BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: TN
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 contacted the company and spent several weeks trying to get it resolved two months ago and they said it wouldnt happen again.Well it happened again and this time it is worse.My credit report doesnt populate outside of Equifax online system.The mortgage lender and credit monitor service that I pay doesnt have my equifax report.it says no data found or accounts.I have several accounts such as student loans and car loans.I called each account and they all said its reporting fine to all three .I asked the lender and they said they can pull XXXX and XXXX but no data or account populate for Equifax . I could not get a straightforward explanation and now its causing an issue for me to apply for anything. I can even get a free credit report from annual credit report website.I had to go through Equifax website to get one but its not detailed at all its like a summary.Im not sure what Equifax is doing but it needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix financial claims that I have a bill of {$430.00} in there office from a medical bill in XXXX  I tried disputing this account on XX/XX/XXXX but it came back as verified from all XXXX bureaus with no verifiable documents supporting their claim. I have submitted a debt validation letter also and didnt receive a response. There saying I owe this debt but they dont supply the proper documents. This account has put a tremendous amount of hurt on my credit report hindering me from obtaining credit products from certain institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
I had car insurance with USAA from XX/XX/XXXX to XX/XX/XXXX and renewed on XX/XX/XXXX and cancelled on XX/XX/XXXX and my payment due date was the second of each month, so when I paid my XX/XX/XXXX and then cancelled on XX/XX/XXXX I received the unused portion as a refund and then in XX/XX/XXXX I received a bill on the credit card of USAA which I was informed to pay since the beginning which I did. I called as soon as I received the bill and was on the phone for over an hour and talked to 7 different people and I got 7 different answers and each month there after I was getting billed including late charges so I contacted the Insurance Commissioners office and they got in touch with USAA and was told I was paid in full and the Commissioners could n't do any more because I was making payments to their on Credit Card Bank ( USAA ), so I gave it to an attorney as USAA turned me to the Credit Bureau which has effected my Credit Score as well as My X wife 's credit. As of XX/XX/XXXX I received a letter from a collection agency which I told to my attorney who forward him all the proof that my Auto premium has been paid along with the letter from the Insurance Commissioner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX - XXXX XXXX XXXX XXXX - operating from XXXX XXXX XXXX promised to deliver backlinks from 5 different websites in XXXX, 2023. Payment of {$1300.00} was made to : Account holder : XXXX XXXX XXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Which is a Wise.com US registered bank. 

The XXXX trace number is : XXXX Only 1 of 5 links ordered ( valued at {$110.00} ) was delivered. All of the other links/services promised were never delivered. They replied several times via Email and XXXX promising to deliver services but never actually did. Original turn around time was to be 3 weeks, it has now been 5 months and they've stopped responding to any inquires from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received a alert that my credit was ran by Benefincial credit without my knowledge.My identity was stolen and filed a police report against this institution and I also taking legal actions in court. I never heard of this company nor have no interest doing business with a small bank after the XXXX XXXX XXXX XXXX crash. I never applied any loan.Please remove credit off my credit report report asap or I am pursuing legal matters in XXXX XXXX court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: First Help Financial, LLC
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account BARCLAYS BANK DELAWARE ( 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 an account without my written instructions.

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

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-21
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 sent a letter on XX/XX/XXXX, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had been trying since the XXXX to open an account with them. Though I had never heard of them, I decided to give them a try since they are backed by BBVA and they offered free Business Checking.

I worked in XXXX  for 8 years and I know that they shouldn't be making assumptions when a person provides the information requested. I do understand that at times additional verification may be required but when it is and it is then backed by valid evidence, what is there left to assume? Therefore I sent the following email this evening after receiving another email saying that my actual office lease contract was not sufficient to prove my business ' physical address despite that being exactly what was requested as proof, " At this point ( NAMED EMPLOYEE ) and team, Your practices would seem a bit discriminatory in nature. All the information that you guys have asked for has been provided in detail previously. You should be able to see from any search that ( MY BUSINESS NAME ) is listed at the address provided, well established, and per the actual detailed leasing agreement that I sent over to your team, I do actually lease an office, just as I am sure XXXX and even BBVA themselves lease an office or facility.

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( likely an office building owned by a company where other businesses typically lease office space ) If it were a mailing service, at least with what I myself am accustomed to, it would not have a suite number but perhaps a floor number or simple address ... Seeing that it has been days, I would like to retract my application. Please delete any and all of my information as my request is now being fulfilled by another financial institution. XXXX, nor its affiliates or partners have my permission to use any of my information outside of due process in retracting my previous requests made. Thank you in advance. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable by perjury under 18 U.S.C. 1621. These items in my credit report are not related to any transactions I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services. These companies are in violation for putting these unknown hard inquiries on my credit report. This has caused unwanted suffering and is defamation of my character. These hard inquiries are not mine and I did not authorize it. 


XXXX. Consumers XXXX XXXX Date : XXXX XXXX. Consumers XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX Date : 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 2021-06-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2021, without any warning and without any valid reason, Synchrony Bank closed ALL of my credit card accounts with their institution. I have never missed a payments with any of my accounts and I have never had a late payment with any of my accounts. My credit utilization on all of the credit card accounts is relatively low and my current credit score is XXXX. Synchrony will not answer any of my phone calls and the chat reps only give a generic response. This is predatory lending and bad business practice. This purge of all of my accounts will negatively and severely impact my credit profile as well as my credit scores. I have also filed a complaint with the 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 2020-10-25
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am homeowner in XXXX XXXX XXXX for over 30 years and looking to purchase a second home. Last week went to XXXX XXXX everyone there was extremely helpful and professional. 
I was Directed to start the Pre-qualification process with CrossCountry Mortgage and submitted the documents and application on XX/XX/20 on XX/XX/20 received an email for the loan officer that we did not quality there is a score XXXX and was informed scores were low. There is a huge difference. responded to the email and called. Basically they said we have to fix this and resubmit the paperwork. I contacted the bureaus and requested corrections and they will fix this. What it was the worse thing that this company expressed We have to be very careful what kind of customer we approved to live on the community to me this gentrification this illegal and lacking Diversity, Equity and Inclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Huntington bank credit card dept double Charged my credit card in XX/XX/2023 and after XXXX weeks and many efforts on my behalf the false transaction have not Clear from my account ( bank fraud? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
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 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a 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 2020-10-25
Company: Experian Information Solutions Inc.
State: NJ
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 am filing this complaint because Experian, XXXX, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25
Company: EQUIFAX, INC.
State: NJ
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 am filing this complaint because XXXX XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
ID theft report # XXXX lists unauthorized hard inquiries on my consumer report that Experian failed to remove after reviewing CFPB complaint # XXXX. The CFPB complaint contained the FTC ID theft report. The following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

The USC 1681 Section 602 states I have a right to privacy.

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Noticed a hit on my credit score provided by XXXX 's webpage. Ignored it. 

Got 2 more hits on my credit score and identified the hits as coming from XXXX XXXX. 

I haven't used a XXXX XXXX Account for more than half a decade. 

I went online to my old XXXX XXXX account, their FICA score app identified the hit on my credit score as coming from a XXXX XXXX XXXX   account. 

I called XXXX XXXX and they checked their system. They said there is no XXXX XXXX XXXX  account associated with my Social Security Number in their system. They said that it may be identity theft. They told me to check my credit report and file a claim. 

I checked my credit report and the hit is identified in my credit report. It was definitely not me and XXXX XXXX agrees with me. 

I would like to file a claim.

Company response to consumer: Closed with non-monetary relief