BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: NAVY FEDERAL CREDIT UNION
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:
Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. 
Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX aka XXXX XXXX. 
XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. 
She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. 
Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. 
Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. 
I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. 
Please do something immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: DE
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 communicated that my identity was fraudulently used to open unauthorized accounts. They than proceeded to treat me as the perpetrator opposed to victim. Experian is very unresponsive and dont seem to care. Then when I get through, and I complete all their task as well as prove my address during time unauthorized accounts were open, still nothing happens. My disputes take over 45 days. Also, experian fails to verify account to consumer.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2021-03-09
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX in the united states XXXX  and penfed credit union has restricted my accounts with over XXXX XXXX dollars in cleared ballances acctoss my accounts the credit union has locked my online access without any reason or explanation i call and get the run around then just yesterday i accidentally entered my pen fed card into XXXX and it gets approved i tried to use again and it went back to being restricted penfed needs to unrestrict my accounts immediately or just let me close my accounts and retain my ballance

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 2018-02-11
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:
There is an account listed on my Experian credit report that does not belong to me. This same account was also listed on my XXXX   and XXXX reports, and I was able to quickly and easily get the account removed from those reports as the account did not belong to me. Experian has not removed the account, despite attempting to submit a dispute to have the erroneous account removed. 

Experian has made it extremely difficult to submit a dispute online in order to get this corrected. I was not even able to access my credit report in order to submit a dispute until I filed a different report with CFPB back on XX/XX/2017, and Experian sent out a copy of my credit report in response. With the report number listed on the report that they mailed to me I was finally able attempt to submit a dispute online. I still have not been able to even submit a dispute for the erroneous account as Experian 's website will not allow me to complete and submit a dispute for the erroneous account.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-26
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: Account status incorrect

Complaint:
The consumer reporting agency, EQUIFAX XXXX, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022, did EQUIFAX INC. investigate to verify this information to be true? 

XXXX XXXX XXXX received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EQUIFAX INC. assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EQUIFAX INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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:
this is a fruad account i never applied for the card this is a fruad and is on my credit report i would like to have it remove from my credit report asap

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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
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:
I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent XXXX, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE 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 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Sir and Madam, I moved to a new place in XXXX and lost my credit cards. I did set up future mails forwarded to my new address but I never received the statements or an email from the Bank of America showing that I was behind on payments. there's no one ever called me to inform me that I still owed {$5.00} which was a purchase of a CART in the airport back on XX/XX/2022. 
I called Bank of America to request the new cards so I could log on to my online banking accounts to check my account and they said they will fix my credit score so it will not affect my credit score, since it already lowered my credit score by over XXXX points. My score was normally over XXXX points in the last few years. 
I called on XX/XX/2022 to make the payment of {$5.00} for what I owed with a Bank of America representative over the phone. I also set up a minimal auto payment monthly to prevent this to happen again in the future. 

So far, my credit score has not been recovered yet. 

Thank you so much for your support!

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 2022-01-26
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
GLOBAL LENDING SERVICE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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:
It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
On XX/XX/XXXX, I got a text from Huntingtons fraud department alerting me that {$1600.00} was charged on my debit card ( ending in XXXX ) to a hotel in XXXX. I immediately replied no, called Huntington, canceled the card, ordered a new one and filed a dispute. About two weeks went by and I still hadnt gotten my money back so I went into Huntington to ask for an update on the case and they told me it was settled and closed saying that they can not confirm it wasnt me because the charge was authorized by the number on the account. I did not authorize it, I did not get a text, or an email, nothing like that. So they reopened the case for me on XX/XX/XXXX. 
Moving forward, this past Saturday XXXX, I got a text from Huntingtons fraud department again, alerting me that {$1700.00} was attempted to be charge on my NEW debit card ( ending in XXXX ). This charge only didnt go through because I didnt have that amount of money in my checking account. So I did the same thing as I did before, replied no, called the fraud department, canceled the card and ordered a new and she was supposed to make note in the already opened case that this happened again. Then on XX/XX/XXXX, I called to check on the case and the lady told me that they closed it AGAIN for the same reason being it was authorized by the number on the account, which again, it wasnt. it was surely not me and I can get text records from my phone carrier if needed. I told her all the info I could and she told me she made note and to call back on Wednesday. Im so besides myself on what to do about this for so many reasons, the main one being I havent gotten my almost two grand back ( after international fees it totaled out to {$1700.00} ) and also because I dont know how this person got my new debit card information. Ive been in contact through email with the hotel and just sent them a screenshot of the texts I received from Huntington. Ive already started banking with a new bank but as for legalities Im going to file a police report and am maybe getting an attorney too because Im going on almost a month with this happening now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, Chicago Title company, in the process of maintaining and closing the escrow for a real estate transaction, tries to make the buyer pay for the " Owner 's title insurance ''. This insurance is clearly optional per CPFB. When the buyer asks the escrow to remove the owner 's title insurance, Chicago Title company threatens to over charge the consumer a " title search fee '' of XXXX, where the national average is around XXXX or slightly higher ( still < XXXX and when the buyer is paying for around XXXX for the lender 's title insurance policy already. This action / behavior is clearly out of the line, is unfair practice, and significantly in some sense forces the buyer to opt for buying the owner 's title insurance. 

Also, the title company calls buyer 's valid questions as " non sense '', and does not seem to remain neutral during the processing of the escrow. My spouse is infuriated when title company 's comments/emails were sent and viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Debt Restoration Services
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I explained to them DRS  that because I have no signed agreement with them and this account has been charged off I do not owe them. They must provide me with verification that we have entered into a contract. We have not. The law states that they must prove that I owe them ; that I entered into an agreement with them. They have not proved this ; they conceded that we have no contract/agreement, that the credit company wrote it off and in fact has given me another account. I have tried unsuccessfully to have this removed from all of my credit reports. It is unethically and unlawful. Please remove off of all 3 reports.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-02
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a voicemail from XXXX XXXX XXXX collection agency for XXXX. 
This is the exact message received. They are not a law firm. 
This message is for her ____ this is XXXX XXXX calling from XXXX invite concerning a legal matter that has been forwarded to my office we made several times to contact you but unfortunately have not received a statement from you regarding a matter if you found the contact up __ mediately we will be forced to render a decision and notify our client of your lack of response press one now or contact us back at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX kept reporting an unverified debt that I did not owe against me. Particularly, XXXX refused to delete an unverified collection filed on my credit profile by IC Systems Collections. I was not responsible or privy to the underlying collection. IC Systems Collections reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, XXXX refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe XXXX is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with 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 2021-05-16
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2021 I transferred money from my wallet on the XXXXXXXX app ( $ XXXX fees {$340.00} or {$390.00} ) to my XXXX wallet on Coinbase app on my XXXX. 

The transaction is showing as successful in the blockchain. My money is not showing up in my XXXX wallet on Coinbase. 

I contacted both companies. XXXX said it was showing as a successful transaction on their end. Coinbase said they dont support XXXX and could not accept my funds. I asked them to send it back to my XXXX wallet then since XXXX said Coinbase has control of the money right now and they cant reverse the transaction. Coinbase told me they wont release my money and the XXXX had to reverse the transaction. They are both blaming each other and saying the other company can solve the problem. 

I just want my money back please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: CT
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 see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;

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 explanation