BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX  ( online ), XXXX, and Experian to advise of the issue. I asked was there a XXXX  alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.

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 2023-07-17
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 this account does not belong to me this is ruining my life.

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 2021-03-26
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have my accounts through Navy Federal Credit Union. Ive been having ongoing problems with this bank as well as other things happening to my identity. I need someone to please reach out to me. Someone is changing my military records, stealing my money, investments, charging more interest on my accounts. Please contact me ( XXXX ) -XXXX. My name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XX/XX/2019 {$160.00} This amount was paid to two different collection agencies. The amount has not been removed from my credit report. The service was terminated by my choice. I called to notify XXXX of no longer needing the prepaid service in advance. They received a bill multiple times. Paying the {$160.00} twice. I want this removed it is fraud for XXXX XXXX to charge me when I have paid the amount due. Then they refuse to remove it from my credit. I want this resolved.

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 2020-09-02
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/2020 I ask social security office to put XX/XX/2020 deposit onto my current card. When XXXX got here I didn't receive it. I was told by social security XXXX and XXXX if thecompany that received it dont send it back to them then I won't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two inquiries on my credit report for XXXX XXXX XXXX . One inquiring is for an airlines/cruise lines credit card and the other inquiry is for a Walmart credit card. I have reached out to SYNCB that I did not authorize these inquiries. They were not able to provide me with any personal information other than my social. I have never applied for a credit line with XXXX, Walmart or XXXX. The date for the Walmart listed inquiry is XX/XX/XXXX and the date for the airlines inquiry is 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 2020-05-24
Company: LD Holdings Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by LOAN DEPOT. Second, by XXXX XXXX XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Both instances involved repeated solicitations by both LOAN DEPOT & XXXX XXXX, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a LOAN DEPOT " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with LOAN DEPOT via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. XXXX XXXX is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian need to remove unauthorized inquiries

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 2022-08-06
Company: Experian Information Solutions Inc.
State: CO
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:
These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of 1974 by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXXXXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is holding my credit score hostage. They are reporting a score 50 points lower than XXXX  and 100 points lower than XXXX XXXX. 
The score has been basically the same for the past year. 
one of the reasons listed is that my credit is too new I have been paying on my mortgage with an exceptional payment record for the last 10 years. 
Experian states you can boost your credit score by activating " experian boost '' which basically consists of giving them access to your checking and savings account. So they can verify utility and cell phone, etc payments. 
What so they can have a data breach and your entire savings can be wiped out in the blink of an eye. 
It is the most blatant example of misconduct perpetrated by a credit reporting agency. 
This is unacceptable and my credit score should not be held hostage until I give them access to all my personal banking information.

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 2020-10-20
Company: TIDEWATER FINANCE COMPANY, 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: Account status incorrect

Complaint:
I agreed to a settlement for XXXX and Tidewater Financial Company. I paid the amount which was offered.. The company is still showing on my credit as delinquent and late payment which is incorrect and is affecting my credit score. I need the correct information to be reported to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: DC
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:
I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.

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 2023-02-22
Company: EQUIFAX, INC.
State: MS
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:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as 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 My correct address is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. 
Below are the accounts : XXXXXXXX XXXX- {$200.00}. XXXX {$210.00}. XXXXXXXX XXXX  {$280.00}. XXXXXXXX XXXX- {$1800.00}. XXXXXXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
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 have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to unforseen financial hardships, I was forced to enroll in a debt management program a couple months ago. My Capital One accounts were among the accounts included in the program. The debt management program was in charge of taking the monthly payment out of my account to pay the creditors and I made sure to make those payments on time every month until my financial situation got better and I was able to pay off the whole amount. I loved my Capital One cards and never had any problems with and although I was struggling financially, I always made sure to make the monthly payments even before I was enrolled in the debt management program. They are reporting late payments to one of the account and I do not understand how and why they are reporting those late payments since I have not knowledge of ever being late and only one of the account is marked as being late when both accounts were under the debt management program. It is unfair because I always made sure to pay them and when my financial situation finally improved, the first thing I did was paying both accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2019-02-26
Company: ONLINE Information Services, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a verification letter to Online Information Services and received a screenshot of a statement. I informed the collection agency ( OIS ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX  and XXXX removed the said inaccuracy/ violation however XXXX started that OIS said to keep it on my credit report because they said it is accuracy. I also requested to see the document OIS submitted and they confirmed it's the same one they sent me. After speaking with three individuals from XXXX ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact OIS and see if they can remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not authorized CB INDIGO bank This is a violation of my rights under Fair credit reporting act. I have the rights to privacy it also states a consumer can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank is ignoring my power of attorney documents. 
I subbmitted power of attorney documentation to citibank over a week ago ( received on XX/XX/2020 ). They have not responded. When I call, I am told that they need to speak to the account holder -- that would be my XXXX year old father who has XXXX. I have power of attorney, they do not need to speak to my father. They need to process the power of attorney documents. My father is unable to pay his rent and other basic necessities. I need the ability to write those checks for him. His credit card is being declined because he's not paying the bills.

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 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One closed my bank XX/XX/2023 I've called to receive my check, but they keep hanging up the call when I try to get help to find out why I have not received my closed account check. So far, they have not done anything about sending me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
As of two weeks ago XXXX is threatening to garnish my wages. I told them as well as showed them photos that I was XXXX XXXX XXXX XXXX XXXX   and have been in the hospital for two weeks now and that Ill be on XXXX for six weeks once I get released from hospital. I told them that if they were to garnish my wages I would not be able to pay for my prescriptions or for my place to live. They keep asking me if I could give them some form of payment no matter how many times I told them thats its impossible at the moment and they still kept asking me about some form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Biehl & Biehl, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This has been going on several months. They are trying to tell me I have a debt for a company that I am not associated with. My name was used and the owners of the company are the holders of the debt they have not been contacted because Biehl & Biehl do not know who they are and they are expecting me to give all person information. They are threatening in trying acquire information, harassing.

Company response to consumer: Closed with non-monetary relief