BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called Navy Federal on XXXXXX/XX/2023 and advised the representative that I still have my card, however, there were some charges that I do not incur. They credited my account back the same day. On XX/XX/2023 they made the adjustment. This is the second time Navy Federal Credit Union has failed me as a consumer. I have been a member with them for years. Whomever in the dispute department did not do their part to investigate my matter and this is really frustrating when you work hard and put all your XXXX owned money in the bank. The amount totaled {$890.00}. I spoke to the rep and the rep advised that the XXXX  team does not give any reason why all I can do is appeal the decision. I would like this to be investigated along with Navy Federal XXXX team to see what measures they are taking to make sure their members do not experience what I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. 

I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. 

Please see my attached letter, sent to Ocwen requesting help ( unanswered ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018 I made a XXXX transfer through Bank of America to my cell phone number.The cell phone number was previously registered to someone else through XXXX XXXX.I have had the cell phone number for 2 years and I went to my XXXX account and updated it.The {$400.00} i transferred went to an unknown XXXX XXXX account.Ive reached out to bank of america and they are telling me they reached out to XXXX and they can't do anything to retrieve my money back.

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 2020-10-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There was an account listed on my Credit Report from XXXX 's that was shown as Charged Off and closed in XXXX. I disputed this with all three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) stating that I was no longer liable for this account, as it was dismissed in District Court after XXXX 's had sued me in XXXX. The response each time, presumably by XXXX 's, has made matters worse. Each time I have re-disputed this account, by my adding more information, such as uploading the Dismissal in District Court, XXXX 's has added more false information, for example stating that it is in Collections ( it is not, it has never been in Collections on my credit report ) and updating the last payment date to XXXX, on an account that was closed by XXXX 's in XXXX, evidently in a false attempt by XXXX 's to restart the Statute of Limitations, which had already passed, as far as their taking any future action against me. A Judge ruled that they had insufficient evidence that I was liable for this account and dismissed the case in Court and that should have been the end of it, they should not continue to report an account that I am not liable for. I am XXXX years old,  my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues as well and this is exacerbating my XXXX and is harassment. Please have XXXX 's remove their reporting of this account to the Credit Bureaus, or have the three Credit Reporting Bureaus properly remove it.

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 2022-11-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I tried to transfer {$1700.00} from my personal checking account at Citibank using XXXX to my business account at XXXX. I used a wrong email address associated with my business account for using XXXX. The transfer failed and they are holding my money since XX/XX/2022. I have called Citibank many times. They sent me a letter that they have accepted my complaint on XX/XX/2022 but they are not releasing my money. I called them many times but they do not make my money available in my 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 2017-06-18
Company: Experian Information Solutions 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:
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL 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 explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureaus ... XXXX, Transunion, XXXX have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.

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 2021-01-27
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, CBNA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 explanation
Consumer complaint received 2018-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX, They continued aggressive collections even though they were alerted of a active Bankruptcy # XXXX. This debt was paid for {$35.00} on XX/XX/2018 under duress. The G.M. at the store refused to waive a {$30.00} surcharge. The total paid by Bank Cashiers check was {$65.00}. Due to XXXX XXXX corporate office notified of BK # XXXX we are asking for a full refund of surcharge of {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX  XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-08-11
Company: SIMM Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called on XX/XX/2021 to collect a debt. I asked the woman to send me written verification in the mail. She confirmed my addresses but nothing has been sent. They continue to call me trying to collect. But I have not received validation! I don't remember this debt so it needs to be clarified. At this point I'm pretty sure the debt is time barred in Washington state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I traded in a car as a down payment ; on a XXXX used car an everything was fine.The guy that sold me the vehicle at XXXX XXXX XXXX  ; Said XXXX XXXX would finance the car. An your payments would start XXXX ; XXXX ; ; XXXX. He said they would contact me to setup payments.Three months past still haven't hered anything ; Turns out they got my address wrong when they submitted it to XXXX XXXX so my billing was going to someone else an before I new it they came on my job to take the car as repossession. I never made a payment because the billing was going to another address.Now I have proof they got the addresses mixed up an they still won't return the vehicle trade in or compensate me for their error or mix up.I have all the proof you need on paper that it was a mix up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Account information incorrect

Complaint:
XXXX, TransUnion, and XXXX are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few 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 2017-06-18
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my  XXXX  Credit Report today,  XXXX   XXXX ,  2017  and there are  XXXX  collections on it just reported in  XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify.     I have highlighted the  XXXX  collections that appeared on my bureau from snapshots I took from the  XXXX  website noting the reported date as  XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize any of these inquiries it was application submitted without my knowledge : XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/21

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 2019-08-26
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:
This account was fraud, I did not have a deals with this company and never signed any document. Some one used personal information and opened account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2018, I called a debt collection agency that I received a piece of mail from. The company is XXXX XXXX XXXX. I live in a documented disaster area, and after hurricane harvey hit, we had a different mail man and we were receiving other people 's mail, and some of our mail wasn't being delivered. I never got a previous letter from this debt collector so once I received their letter in XX/XX/XXXX, I called and talked with a lady and told her that I never recieved any previous correspondence and I gave her an offer to pay a portion of this debt they said I owed. The lady put me on hold and came back very rude, telling me that I DID receive their letters and giving me dates that I received them and yelling at me. I never got a letter to dispute and it's unfair to not settle with someone in a disaster relief area seeing as we were out of work, etc during that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A fraudulent application was opened in my name and my checking was used to pay for it the company American Express has resolved the account as fraud and promised a refund check for {$10000.00} that Ive gotten the check number XXXX but have not yet received I am seeking the payment of the {$10000.00} that they have agreed to pay me for the fraudulent account that withdraw funds from my checking without my authorization no not yet received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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: Account status incorrect

Complaint:
Back in XX/XX/XXXX I got a call from a XXXX XXXX Credit card company saying that I was past due on my credit card. I have never applied for this card, so I asked when it was open and how much was owed ant the address on this card. I was told that it was open XX/XX/XXXX, there was a balance of {$140.00} on the card. I was told that it was sent to an apartment. She would not give me the address. I told her that I DO NOT live in an apartment I have lived in the house or the past 16 years. She told me that it was only the start up fee and late fees that were on the card. I have told her that it needs to be closed, I did not get it or apply for it. She said it would be closed and I would receive a letter. It can take up to 90 days for it to be cleared off my credit report. 
I have received a letter stating that the account is closed. Still to this day, it is on my credit report, causing major issues. It shows it as currently open, That I am LATE on the payment with a negative pay status. 
This needs to come off my credit report, it is now XX/XX/XXXX, and it is still on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: R.A.Rogers, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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