BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The creditor offered an offer for an extension of credit as a purchase money loan. I accepted the counteroffer in the amount of XXXX. In return for the credit in the amount of XXXX I sold Navy Federal Credit Union a Note for XXXX for valuable consideration. 
The note was payable to the order of Navy Federal Credit Union ( creditor ), signed by the ( borrower ) and dated XX/XX/2023 on its face in accordance with the Bill of Exchange Act of 1882. 
The creditor has continued to request other acts beyond the payment of the loan which violates simple contract law. They have now caused commercial harm by presenting negative and derogatory items to companies even while I complied with the payment of monthly bills. 
This is the second complaint filed for remedy. The last response was not accepted by the borrower and this is the second notice, giving the creditor an opportunity to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CORELOGIC INC
State: CA
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:
There is three hard inquiries on my credit report for XXXX. Its only supposed to be one to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to 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 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
I notified American Express of my situation with the merchant XXXX regarding an order I made for XXXX on XX/XX/XXXX I attempted to reach out to the seller upon receiving the wrong items which I will provide receipt and actual items I received were provided to amex they were glasses and a backpack I had not ordered which is insane how they mixed that up. I contacted American Express to handle this issue for me as I feared of being left with nothing after 60 days of my order being placed which is outside of the chargeback rule. Amex originally sided with me which was the logical case as XXXX made no attempts to communicate with me or try to mediate and for some reason reversed the decision? I am baffled as to why as according to the law they cant make me pay for something I didnt order or return the merchandise they sent ( which I was as Im acting in good faith ) I explained to them that I will gladly return the items so long as Im not responsible for shipping and duties as American Express said the company requested me to. I reached however and they told me it was outside of their return window? So Im just left with nothing? Thats not how the law works and American Express isnt acknowledging that. They were supposed to take care of this for me which is why I involved them in the dispute as the merchant never reached out. I had to reach out because American Express told me they told me to return them and nothing. They provided their return policy which doesnt apply to me because they didnt respond to me within that timeframe?!? So I got Amex involved to provide me help and they sided with them? Theres countless other horror stories on their reviews as well. Please help this is a lot of money to me I got an American Express card because of the reviews of how they help their customers and Im over here out of XXXX because of the merchants fault hopefully this can cause them to reverse their decision and act according to the law. They clearly acknowledged Im in the right but their hands are tied? Im including the letter. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to dispute the presence of fraudulent information on my credit report, specifically in relation to the following accounts : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX I have thoroughly reviewed my credit report and can confirm that these accounts are reporting information that is not associated with me. I have never had any dealings or financial obligations with these entities, and I believe this information has been inaccurately attributed to me. 

I hereby request an immediate investigation into the fraudulent information associated with these accounts. I insist that you take the necessary steps to verify the accuracy of the information and promptly remove the fraudulent entries from my credit file. It is of utmost importance to me that my credit report accurately reflects my financial history and responsibilities. 

Upon resolution of this dispute and the removal of the fraudulent information, I kindly request that you provide me with a corrected copy of my credit report. This corrected report should accurately represent my financial standing and be free from any inaccuracies caused by the presence of these fraudulent accounts. 

I understand the significance of maintaining an accurate credit history and ensuring the security of my personal financial information. I am prepared to assist in any way necessary to expedite the resolution of this matter. Please inform me of the steps and any supporting documentation required to proceed with the investigation and dispute process. 

I anticipate your prompt attention to this matter and a timely resolution of the fraudulent entries on my credit report. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your cooperation and commitment to maintaining the integrity of my credit history. I look forward to receiving a corrected credit report once the fraudulent information has been removed

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 2023-12-06
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: Public record information inaccurate

Complaint:
All XXXX credit bureaus ( Experian, XXXX and XXXX ) have reported a XXXX XXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : 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 explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, originally, I sent TransUnion a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court Eastern District of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX Transunion responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

XXXX- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. -Violation XXXX was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX  I filed Bankruptcy. I have notified TransUnion but they continue to report collection accounts that are included in this bankruptcy. I submitted a dispute XX/XX/XXXX  and also uploaded the bankruptcy court documents for them to verify. Yet they refuse to follow federal law on bankruptcy automatic stay and failing to update the balance to report the bankruptcy. They also stop you from trying to dispute it again since they only take the " Verified Information '' from the creditor. To sidestep the federal protection and blatant disregard for Bankruptcy court system in an illegal attempt to collect on debts that are included in Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: OH
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:
I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.

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 2023-09-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is not a duplicate complaint. This company has been notified in writing to cease and desist from contacting me and they have continued to call. When I complain about a new violation that they have committed they simple say its a duplicate account. They also refuse to provide me with a debt validation letter.

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 2023-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to Equifax and XXXX in effort to have my credit report updated with my full history of loans with XXXX. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Creditor closed account without warning due to period of inactivity. 
I do n't use the card often. The closed account appeared on my credit report and adversely affects my credit rating. The creditor should have advised me that failure to use the card would result in the account being closed.

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 2023-10-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting 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 reviewed my credit report on XX/XX/XXXX after purchasing a new car on XX/XX/XXXX and XXXX has this XXXX XXXX XXXX XXXX XXXX XXXX inquiry on my report with a XX/XX/XXXX date. I called the number listed on the report and spoke with a customer service person who wanted my SSN #. I provided this information, reluctantly, and they were unable to verify my information. And told me they would have to submit my information to their Fraud Unit. I have sent them a number of letters requesting information on who, how and where this request for a credit card was generated. To date I have not been able to resolve this issue. I did put a block on my credit as a result. However, I want this inquiry removed and I have written to XXXX requesting the same. In XXXX, my grandson received the same letter I received from Synchrony/SAM 's XXXX and XXXX denying him a credit card for which he did not apply for. He is listed as a SAM 's Club cardholder on my account which does not involve a credit card, just the membership card. 
The coding on my credit report for SynCB/Sam XXXX XXXX XXXX ; XXXX ( XXXX & XXXX ) and they do list a phone #. To date, this inquiry has not been removed from my credit report and it does effect my credit score now and will for the next two years.

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