BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Major XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
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: 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 received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion several times over the course of 6 to 9 months, via phone, online and mail to have 5 erroneous accounts ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) removed from my credit report. I have disputed this information with Transunion as well as XXXX. The other credit reporting agencies removed these unverified accounts and Transunion has not. I have also requested TransUnion to supply written proof of these so call Debt/Collection records and they have not provided the information requested. Since they refuse to verify these unverified accounts its unfair to me to have these accounts on my report. A Debt should be validated from the source reporting the debt! The other credit bureau has removed these debts because they could not be verified these allege account. Its against my right under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2021-08-12
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!

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 2021-05-24
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021 I applied for the Apple Card using the my information that has not changed on any previous applications I have submitted. I was told by the Apple Card by Goldman Sachs Manager that I can reapply anytime but for some reason that is not true. When I submit an application I continue to get You have applied a number of times and we can not verify the information you have provided at this time so basically they arent allowing me to reapply. Since XX/XX/2021 which is another day that I had applied there has been changes to my credit report but they are not allowing me to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Several years ago I signed up for a monthly automatic withdrawal contribution for XXXX. Apparently the fund raising arm of XXXX is the XXXX XXXX XXXX. I lost my job in XX/XX/2018 and have been trying to cancel this auto contribution ever since. XXXX says they have nothing to do with the XXXX group. I have called, emailed, left messages for 6 months with the XXXX XXXX requesting they stop this auto withdrawal but to no avail. I have contacted my bank and asked them to deny this auto withdrawal and was told that since I used my debit card there is nothing they can do except cancel my debit card and issue me a new one. That's not going to happen as I have many auto withdrawals associate with this debit card. 

I am angry & upset. I believe that XXXX is a reputable organization and want to continue to support them by my membership and perhaps again by my monthly contribution once my fiancees get turned around. However this XXXXXXXX XXXX XXXX   needs to be investigated. They are collecting money from senior citizens that may no longer be able to afford the contribution. It is a disgrace. Please investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

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:
On XX/XX/19, Navy Federal Credit Union did not post direct deposit checks from neither irs tax refunds or payroll checks. there was never an email a text message or any kind of informational sent out directly to customers. Only those with a XXXX  account knew about it because they were responding to peoples questions about it. They have turned their phone lines off and even on XXXX the only answers given were we are working to fix it, no explanation or anything. There are people that have automatic bill payments set up because we are encouraged to do so by these institutions and then when we do so the money isnt there. Things like this causes overdraft fees, late payment fees, insufficient funds fees and could also begin to affect credit because some of the payments are for important things like mortgages and car loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: AL
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 several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' THIS IS MY SECOND DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND I AM FURTHER BEING VICTIMIZED BECAUSE THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX.REMOVE THESE FRAUDULENT ACCOUNTS AND KEEP THEM OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: 1st Franklin Financial Corporation
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:
1ST FRANKLIN ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to 1ST Franklin and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.

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: 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2019-08-28
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
hi im XXXX XXXX discover charge me unnecessary fee on my credit card i try to make a payment the payment was successful after they charge me unknown fee now i need to take a loan i cant because they make bad report on my credit i need help soon as possible my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: AL
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 have contacted EQUIFAX on several occasions, notifying them of their violations, yet they continue to violate the FCRA. They continue to report a " monthly payment '' on account that has been closed for years. EQUIFAX continues to respond, with a letter saying the account is " verified ''. Reporting an monthly payment on a closed account is a violation of the FCRA.

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:
Ok so this morning i was set to receive two deposits one is from my job and the other is my tax refund. I call the customer service line to the line just to ringing with no answer or to be disconnected. I have bills due on every pay that i can not pay and incur late fees due to my funds not Being available like they are supposed to be. Its starting become a major headache wit navy Federal. They arent giving their members a head up or nothing out the outage. And keep replying with a scripted reply. These incidents are happening quite to often and Im sick of it now

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: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with NFCU Navy Federal credit Union Today Is payday Friday XX/XX/19 my checks normally deposit at XXXX every Friday .. Today I have not seen my check .. navy federal claims the money has deposited its just cant be seen ( Via XXXX ) .. Which I feel is unprofessional this problem shouldve been posted on there website to inform everyone who banks with them.. I have bills to pay today which are now late and I have late fees.. navy federal did not handle this in a professional matter.

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: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/19 I sent out a validation dispute to EXPERIAN, XXXX  XXXX XXXX for a collection account from XXXX DEPARTMENT XXXX XXXX XXXX. XXXX XXXX XXXX  EACH HAVE INVESTIGATED THIS ACCOUNT & REMOVED IT. EXPERIAN sent me a letter refusing to investigate this account AGAIN, unless i sent them further information to warrant the re-investigation for VALIDATION of this account. The only problem is I NEVER SENT OUT A PREVIOUS VALIDATION REQUEST!!! There was only XXXX validation request & that was on XX/XX/19. Therefore I am not understanding why they would not INVESTIGATE ( XXXX XXXX FED XXXX XXXX XXXX account. 

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 2021-04-03
Company: Bread Financial Holdings, Inc.
State: NY
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 recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery associates calls me multiple times a day, every day despite repeated requests to stop calling and repeated requests to validate any debt. Portfolio claims I owe them a debt when I have never done business with this company. They will not provide me information about the original creditor, if there really is a debt. I asked one called to send me a 1692g letter and I stopped answering their calls. No validation has been sent and no debt with this company appears on my credit report. 

The first call was on XX/XX/XXXX and came from a fake number. Numbers known to belong to portfolio recovery associates have never called me. Their official phone number has never called me. All numbers are fake, spoofed and in one case, belonged to an individual who was not aware of portfolio recovery associates or any debt. They call every day, usually more than once. 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and so on. When answered, callers claim to be from portfolio recovery associates but will not give account details or even ask for money. Not sure if this is a real debt collector or a scam. Either way, I blocked all of these fake numbers but the calls continue using different fake/spoofed numbers. 

The purpose of this report is to gain information about any alleged debts and to make the harassing phone calls stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
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 information incorrect

Complaint:
XXXX XXXX incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan #  XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted XXXX XXXX beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from XXXX XXXX dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned XXXX XXXX again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with Equifax to have this item corrected. The other two bureaus ( XXXX and XXXX ) do not show this incorrectly. 

On XX/XX/XXXX, I called Equifax ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by XXXX XXXX on XX/XX/XXXX as claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between Equifax and XXXX XXXX  and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
End lease was satisfied ( 24 month ) dealerships were closed Ford credit said to turn in the lease when they opened I did the day the dealership was opened I received a credit update that my score went down and found out they reported 2 payments late when I paid every payment on time and called Ford credit to give them updates as when the dealership would be opened

Company response to consumer: Closed with monetary relief