BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Remove - ID FRAUD VICTIM ALERT FRAUDULENT

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 2023-11-10
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans back in XX/XX/2023. I had 3 separate loans, each totaling about XXXX each for a total of XXXX. The one loan in question is actually 6 loans totaling XXXX, the servicer is EdFinancial. 

Both other loan servicers I have no issues with as they have correctly cleared my balance/etc, but EdFinancial, has not. 

Along with wait times approaching 2 hours to get onto their customer service line, I have been unable to get a clear answer as to if the money has been received. My account with them still shows the full amount of the loan, and I have been accruing interest and paying my monthly payments to them since. 

My new provider ( which I have also been paying monthly, and accruing interest with ) has let me know that the check they sent to EdFinancial had cleared XX/XX/XXXX. It has been 3 months, and EdFinancial still hasn't settled my balance, even after I sent them a scan of the check. This has caused me to be double charged interest, and paying double for loans.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-24
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: Account information incorrect

Complaint:
innacurate monthly reporting never late

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 file a second formal complaint regarding the unresolved issues on my credit report involving fraudulent items. Despite my initial efforts to rectify this matter, including providing supporting documentation, the fraudulent items persist, adversely affecting my creditworthiness. 

Despite providing comprehensive evidence and adhering to the proper dispute procedures, there has been no resolution, and the fraudulent items persist on my credit report. 

Enclosed with this letter, please find additional supporting documentation reaffirming the fraudulent nature of the items in question. I have attached : I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, and I insist on immediate corrective action. The continued inclusion of this inaccurate information is causing significant harm to my financial well-being. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough and expedited investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : 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

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 2023-11-10
Company: ALLY FINANCIAL INC.
State: NC
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 have recently conducted a thorough examination of my credit report on XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple inquiries listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX Unauthorized additional Inquiries : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Financial 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 XXXXXXXX, 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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-19
Company: Stellantis Financial Services US Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received letters regarding denial of credit applications which I don't recognize, on XX/XX/XXXX ( Stellantis ) and XX/XX/2023 ( XXXX XXXX ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. 
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( Stellantis and XXXX ) are part of 8 companies. 
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 
XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2023-11-08
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 XXXX Account # XXXX has violated my rights. 

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

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 2023-11-10
Company: Hatfield, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
understand my frustration and confusion regarding the closure of my account with GRID/XXXX last year. After paying off the necessary amount, my account was closed on XX/XX/XXXX XXXX XXXX However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 placed an XXXX order last year and tried for the longest to get my money back or a portion. I filtered out to have the whole HOUSE, and I found this. I thought it was a nice place, but it turned out to be a motel. I travel with a full, big-size XXXX XXXX, so when we leave her alone in the room, we request a home so there is no disturbance. Unfortunately, when we went there, you could hear literally everything through all the walls and doors. We didn't feel safe, and it wasn't what was listed in the description. I tried doing a dispute with the owner since we couldn't even stay one night, but she wouldn't provide any type of refund but only another location that's exactly like the one we are complaining about so she can " tend to our needs '' in this problem. After a long talk, she agreed to provide a small refund that was less than 30 % of what I paid but she never went through with it and ended up changing her mind and telling XXXX, no. I was I spoke with customer service multiple times stating that I was aware of the business but unfortunately, the listing was incorrect, and I would just like a refund. Afterward, they just declined everything, closed my case, and took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Certegy Holdings, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is about an issue I'm having with certegy payment solutions. They are a company that makes recommendations about whether a consumer 's credit worthy or if it would be risky to allow a check to be cashed. I have been having the same problem for several years now. I am not allowed to cash a check at XXXX because of risk factors. XXXX provides a receipt with a transaction number and other particulars and says to call Certegy to find out why. When i call Certegy, Certegy apologizes and says they have no negative information on me. So why did XXXX deny me cashing a check? They can't answer that. They are evasive and speak in vague terms. They were talking in circles. And the icing on the cake? Today after being on the phone for over an hour, the supervisor pretended she couldn't hear me and hung up on me. So I immediately decided to file this complaint. 

This is my life. My money. Why can't I get a straight answer from them?

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-11-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal Credit Union ( NFCU ) has been very unresponsive about my identity being stolen from one of their members and stealing my {$1500.00} of rent money. I found this out only by my landlord informing me that my rent was reversed by the bank on XX/XX/21, now I am being evicted. I notified the NFCU of this unauthorized dispute called in by the thief. The credit union failed to launch an initial investigation into the so-called dispute made by the criminal which worked out in his favor. He is a known thief according to XXXX. The representative claims the number on file came back undeliverable, but my email and mail address remained the same. The credit union never notified me by any other means that were at their fingertips, like address and email. The member went into my account after making the dispute and knowing it would trigger an automatic reversal somehow without any further questions. My rent money was put back in my account without my knowledge, and the thief immediately transferred the stolen funds in his NCFU account. The rep couldn't explain how a member was allowed to dispute a charge on my account without any initial investigation. NFCU have weak security measures that harm the members that are being served. She never stated what information is collected from a member to make any changes on an account. I still have not heard from security operation department as promised. The fraud doc was uploaded to my account while speaking to the rep on XXXX. I have filed a police report with RPD & FTC. As a victim of stolen identify, I feel like I am being penalized for a criminals activity. I am working my way up through the chain of command to get my money back to pay my rent ASAP. All the information of the wire/bank fraud has been established, but I am still getting excuses and no urgency to right this wrong. I want the money that was taken out my account fraudulently, sent back to the landlord with the same ease as the thief ability was to steal it.

Company response to consumer: In progress
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

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 2023-02-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. 

Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. 

This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief