BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: NV
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 are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. 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 2021-09-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We have tried several phone numbers for Equifax and their website to attempt to place a security freeze on our accounts. Repeatedly knocked out of website and calls not going through, probably due to being overloaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false 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 2020-10-11
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX, {$950.00}. 
XX/XX/XXXX {$620.00} I was not notified no this debt is affecting my credit and Im living with my mom and cant get a mortgage. I reached out and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried multiple times over the years ( when it was XXXX XXXX, and now Navient ) to get my loan refinanced to a reasonable point to no avail. I was told my only option was pay {$50.00} and place on forbearance, but with the stipulation, that you only get up to 12 months for the LIFE of the loan ( that they forced me to take at least once ), So I struggled for along time. I couldn't even combine it with other student loans, because it was " private '' and they'd rather watch me squirm than get anything. 

I'm now out of work for 3 months, not able to pay a dime as unemployment does not stretch for anything. I've tried asking for help multiple times, to be basically told, " too bad. '' The only way I got anywhere was literally yelling at them, and even then I think all I did was frustrate me more. 

The worst part has now become that they have gotten a 3rd party involved to " find '' me, and harass me at least 5 times in the last week, who will not give me any info unless I give them information I'm not comfortable giving, including who the " company '' was. That the only reason I knew it was Navient is because I called them again on XX/XX/18, and they admitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, I ordered an item XXXX XXXX ( yellow ) on store card account XXXX. 
todate, i have " not '' received the item, but, amazon - sychrony has Prematurely billed me for the amount of XXXX, and, made threats of forwarding information To credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: USI Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt ( from around XXXX ) was settled on XX/XX/XXXX. I was contacted via mail in XX/XX/XXXX about this debt. This company, USI Solutions claimed they would sue me unless I could provide evidence of settlement. I emailed original settlement offer, with notes / payment confirmation code, as the original debt collector refused numerous requests to send me a satisfaction of debt / settlement letter. USI is still calling me and harassing me about a debt from 20 years ago that was settled 12 years ago. Most recently today, XX/XX/XXXX, at XXXX XXXX I recieved another phone call, but refused to even discuss the matter and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union apparently is having issues posting ANY deposits. 
I have direct deposit, my paycheck has not been posted to my account. It was due to post at XXXX. 
Instead of the company talking to customers, they disabled the phones and the online banking. 
UNACCEPTABLE!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Public record information inaccurate

Complaint:
Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My deposit was scheduled for today at XXXX and hits my account every other Friday. Navy Federal Credit Union said there was a mix-up and funds should be available but they aren't. They cut their phones off and made a XXXX to let customers know of the issue. Over {$1000.00} was supposed to be deposited and did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} Charge Off : XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00}

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 2021-04-03
Company: EQUIFAX, 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:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XXXX  Equifax XXXX  Account Name : City Select Auto Sales MISSING MISSING Account XXXX MISSING MISSING Balance : - MISSING MISSING Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  XXXX XXXX Balance : {$6400.00} {$6800.00} {$6800.00} Account Name : MISSING MISSING XXXX XXXX Account Number : MISSING MISSING XXXX Balance : MISSING MISSING {$5200.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Furthermore, if all of my information is the same information, from the same place, why are there reports in some bureaus and not in others also, why is the information given not the same? Please send me proof my signature and information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have already submitted multiple complaints about our problems with Citizen 's Bank but the bank 's answers are fraudulent and now in retaliation they increased the rate to 4.75 % without any notification at the time when the rates are falling and the Federal Reserve stopped to increase interest rates. Citizen 's bank made that increase in retaliation for our two latest complaints # # XXXX and XXXX. Their mathematical mistakes continues including computation of the total amount of payment made towards the reduction of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit not posted,24/7 phones not working, returned item fees charged, delayed communication from financial institute, communication received is sketchy at best

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union : Direct deposits were not posted and bank is not providing much information. This is the second time in 3 months that they held my money hostage. First time was 5 days before XXXX of XXXX and now XX/XX/XXXX! I have bills to pay and food to buy for my home and am unable to because the deposits were not posted to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Navy Federal and my payroll direct deposit has not shown up in my account this morning. It has been reported that there are others experiencing the same issue. My wife actually had the same issue happen to her with Navy Federal a month or two ago. Navy federal has released a statement this morning saying that the funds are there but that we just can not see the deposits. That is not true ; the funds are not available. Their contact phone number is not working currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XX/XX/XXXX, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX ac # XXXX please delete this accounts fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, 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 am still in preparations in purchasing a home, I have been monitoring my credit report thru privacyguard and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX  | XX/XX/2019, XXXX  | XX/XX/2019, XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX  XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As of today Friday XX/XX/2019 I still have not recieved my diect deposit with Navy Federal, there was no notice sent out to members only a message on social media. Last week, I also tried to reach out to Navy federal in reference to an issue on my account and there banking systems were down for several hours causing me to miss an important flight. Last but not least, I filed a dispsute for a merchant that charged me on the wrong day and I was given provisional credit along which was fine 2 months later the dispute was reversed and when I had no money navy federal took the money out. I have provided documents that state that the merchant did that in error and I still have not recieved my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation