BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
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:
I have called Equifax over the course of the last 3 to 4 months about inquiries listed on my credit report dated XX/XX/XXXX. I have submitted several online disputes in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to them with no action being taken. The last letter I sent to them was on XX/XX/XXXX and I received a generic response letter dated XX/XX/XXXX which basically states that anyone can request my credit without my consent or signature. I did not authorize these inquires and have requested for to remove them and Equifax has refused to do so as of today 's date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been fighting with this Navy federal about my credit in XXXX for the longest. I keep getting letters in the mail about me owing money on a credit card for {$1100.00} that I reported years ago as fraud on the acct and I have yet to get that fix. I have flied fraud 3 times and each time i keep getting letters saying its my fault. Everything I call i keep getting the run around about i need to speak to this person or that person and nobody is ever available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Capital Accounts. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Credit Bureau Services Association
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, my EX wife rented a house using my social. In XX/XX/XXXX she broke the lease and the account went into collections a few months after. For 11 years now, XXXX XXXX XXXX ( original creditor ) and CREDIT BUREAU SERVICES ASSOC ( collection agency ) continue to illegally re-age this debt, currently showing it was opened XX/XX/XXXX. In XX/XX/XXXX I was trying to purchase a home when I noticed they were STILL reporting this after 9 years. I made contact with the collection agency and informed them of their illegal practice, and they removed it from my credit. Now it is almost 11 years from the original reporting date, and it has reappeared again. I have disputed with XXXX several times over the years and it is still unresolved. I disputed again with XXXX  but am weary of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1st issue : My account became linked with a third party, someone named XXXX XXXX whom I do not know nor requested, in XX/XX/2021. Problem was resolved but without explanation of how it occurred or reassurances of account security. 
2nd issue : My account suddenly became " locked '' without notice due to what I was told were " federal regulations '' requiring me to prove my physical address. I was unable to use or access my account in any way. I was asked to send in a copy of a recent credit card statement as well as my ID, which I did. I faxed the documents and rep claimed they were too blurry to read. So I mailed them. They were received on XX/XX/2021 and I was told that I would regain account access upon review. I then received an email on XX/XX/XXXX stating that my review for identity verification was complete and all was well, however I have still not been able to log into my account. I called again today to clear the matter up and was told their records showed that I have been a member for 14 years, which I have not. I only just opened the account in XX/XX/2021. Then I was told that there was no record of my checking or savings account, so no monies in the account could be returned to me. I was asked if I thought my account could have been hacked. I would not know from their end if that is the case. No other identity theft has occurred in any other of my accounts. Clearly USAA is not safegurading my saftey as a customer. I have requested that the accounts I had with USAA be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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 belongs to someone else

Complaint:
I am a Victim of identity Theft. I did Not give any Consent to open 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 2018-12-11
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Twenty months after paying off my loan in full, Great Lakes added {$13000.00} to my loan balance. They said the money was a fraudulent payment ( it wasn't ) so they sent it back to the bank. I never received the money back. They refuse to tell me where it was sent to past that. The money has disappeared. Now I have a large balance on my student loan, and my missing {$13000.00} is nowhere to be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
this is in reference to recently closed complaint # XXXX. Transunion is in willful and negligent behavior. The complaint I sent in was for you to rectify your violations. You state you are reaching out to the to the data furnishers again. THIS WAS DON PREVIOUSLY AND THE RESULTS WERE THE ITEMS WERE FRAUDULENT AND BASE OFF THE DOCUMENTS I PROVIDED AND THESE ACCOUNTS WERE DELETED. TRANSUNION LET THE ACCOUNTS SHOW BACK UP UNDER A DIFFERENT CLASSIFICATION AS IF THIS IS SOMEHOW A DIFFERENT ACCOUNT. SO TRANSUNION LET A PREVIOUSLY DELETED ACCOUNT SHOW BACK UP WITHOUT NOTIFYING ME. THAT IS A VIOLATION THAT CAN BE EASILY PROVEN IN COURT ALONG WITH ALL THE OTHER DEFAMATION AND LIBEL CLAIMS. OBVIOUSLY TRANS UNION DID NOT LOOK AT THE DOCUMENTS SUBMITTED SHOW A PREVIOUS INVESTIGATION AND THE DELETION RESULTS. THIS IS TRANSUNION LAST TIME TO GO OVER THE SUBMITTED DOCUMENTS, THE COMPANY 'S REGISTERED AGENT BEEN NOTIFIED OF PENDING LAWSUIT. WITHOUT IMMEDIATE DELETION, LITIGATION WILL PROCEED. SO AGAIN MY CFPB COMPLAINT READS AS FOLLOWS My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XXXX XXXX, 2020, then again a second time via Certified Mail # XXXX signed and delivered on XXXX/XXXX/2020. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent has been served with a notice of Legal Process.

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 2018-06-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I have request XXXX and Experian by phone / fax and letters to up date my personal information. 

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX deleted all all information which shows me that Experian and XXXX   failed me as a Customer. XXXX and Experian has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.

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 2020-11-04
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: MO
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 wrote Experian several times regarding the inaccuracies they are reporting on my credit report on behalf of XXXX XXXX XXXX XXXX for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask Experian to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to Experian was XX/XX/XXXX and again on XX/XX/XXXX. Experian responded that after the investigation they concluded the information reported by XXXX XXXX XXXX XXXX was accurate and the collection remained on my report. Experian did not require the company provide them or me with debt validation as I requested and Experian was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to XXXX XXXX XXXX XXXX to demand they validated the debt they are reporting to Experian. XXXX XXXX XXXX XXXX has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.

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 2022-08-11
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: World Omni Financial Corp.
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 information incorrect

Complaint:
i called to pay this and told collection company i wil pay but they must remove from credit report before i pay they said the will call original creditor and verify and they called me back and said they will remove it but they never did after i paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender requires proof of flood insurance for the building ( condo ) on an annual basis, which is provided automatically by the insurance agent. Each year, lender sends a letter of reminder that they need the proof. Each year, I contact the insurance agent, who confirms the date/time the proof was sent. Each year, I then contact the lender who confirms receipt. 

Same thing this year. I contacted the lender in XX/XX/XXXX, was told by the agent they had received the information they needed from the insurance agent. 

Yesterday ( XX/XX/XXXX ) I received a letter from the lender indicating they had secured a flood insurance policy on my behalf, and set up an escrow account to handle the fee. They indicated that the policy they secured ( {$860.00} ) meant that I now owe them {$1600.00}. 

I spoke with the lender today. The agent confirms they *DID* receive the information from the insurance agent, but they still need the DECLARATION PAGE ( which does not appear on the original notice ). They have asked me to obtain and fax to them. If they are satisfied, they will look to unwind the process they went through to obtain flood insurance and bill 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 2021-09-13
Company: Southwest Credit Systems, L.P.
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:
These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
I FILED A DISPUTE CONCERNING INACCURACIES IN THE ( SANTANDER ) ACCOUNT THAT'S ON ALL 3 OF MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). THEY ARE REPORTING A BALANCE OF {$6100.00}. AFTER GOING OVER THE BREAK DOWN OF WHAT ( SANTANDER ) SENT TO ( CFPB ) ALL 3 CRA 'S AND ME I NOTICED THEY ADDED {$1300.00} TO THE {$4800.00} CHARGED OFF BALANCE. IT SAYS FOR AUCTION FEES, STORAGE, ETC ETC ... I WAS NEVER NOTIFIED ABOUT ANY AUCTION AND BY GEORGIA LAW I SHOULD HAVE BEEN NOTIFIED BY ( MAIL, PHONE, OR EMAIL ). THEY NEVER COMPLIED WITH EITH NOTICE REQUIREMENTS OF MY RIGHT TO CURE OR OF THE SALE OF THE VEHICLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: CT
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 been going back and fourth with Equifax asking to update my address and send my current Credit report. It started in XX/XX/2019. I spoke with several representatives and supervisors, I sent several documents by mail and fax and they stated they haven't received them. The documents I sent is to validate my identity and prove I am at my current address which is XXXX XXXX XXXX XXXX XXXX XXXX CT. XXXX. I also explained I do not have a current Id with this new address because I cant afford to get one at the moment so they told me to send other documents : which I sent. This is all costing me money that I don't have. I ran out of options and now I am asking for your help. XXXX  and XXXX  have updated and fix my credit report. Equifax has several inaccuracies on my report. Please help me with this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX someone called XXXX at XXXX ( XXXX XXXX ) and knew my pin number and account number. 
At XXXX my phone was deactivated and the number was hooked up to a pre-paid T-Mobile phone without my authorization. 
At XXXX I received an e-mail from Chase that my debit card was hooked up to my XXXX XXXX ( my credit card was hooked up at the time ). I immediately called, because I did not do this. 
I checked my bank account and saw the following charge : {$5400.00} Card Purchase With Pin XX/XX/XXXX Apple Store # XXXX XXXX XXXX XXXX NY Card XXXX XX/XX/XXXX around XXXX I called Chase bank to dispute the {$5400.00} charge and they told me to file a claim XX/XX/XXXX I went into XXXX and discovered what happened to my account XX/XX/XXXX -- I filed a police report XX/XX/XXXX -- I faxed over my claim to Chase bank XX/XX/XXXX -- I called Chase Bank and they told me I was denied. I was told Chase called my phone number and the person validated the XXXX XXXX purchase ( but my phone was shut off at XXXX that day ), so someone else validated the claim XX/XX/XXXX -- I got a hold of the executive office and I sent in the following : identity theft report on the Federal Trade Commission police report letter from my work verifying that I was at work in California on XX/XX/XXXX a detailed letter with any account numbers and phone numbers of people that have have proof that I was in California at the time of the purchase. 

Chase bank refused to look at any of my evidence and just told me no. I was told that I needed XXXX to write me a letter that stated I was in California on XX/XX/XXXX. However, my work and the police department can verify that I was in California on XX/XX/XXXX. XXXX will not write the letter,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Hello I have filed five complaints with government agencies regarding my issue with capital one, and the company harrasses me daily. Has still offered no resolution. No complaint has provided any support or action.

Company response to consumer: Closed with explanation