BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
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:
Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither XXXX, Transunion, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that XXXX, Transunion, and XXXX verifies, must be done so under oath in the presence of a XXXX. 

XXXX, Transunion, and XXXX are corporations and lifeless, soulless, entity, they do not have the power to verify any information.

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 2017-06-08
Company: First Data Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from TRS Recovery Service s Inc, c laiming I owed  XXXX  debts ( Reference numbers  XXXX  and  XXXX  ) for  XXXX  and  XXXX  respectively. They are claimed to be related to Unpaid Electronic Fund Transfers from  XXXX   XXXX  number  XXXX ,  Telecheck. I  have never been to this  XXXX   XXXX  and I certainly did n't do any fund transfers. I was not near that  XXXX   XXXX  on the day they claim. The numbers and methods they provide to contact them all demand social/bank routing info/etc. I will not provide this info to a company that appears to be scamming me. I googled this company and find that they do this to lots of people and have many complaints against them. I want the issue resolved and I do not want to receive any more communications from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I purchased a sofa from XXXX XXXX XXXX online and used my Navy Federal XXXX credit card and the charge hit my account on XX/XX/2022 in the amount of {$1400.00}. The sofa was delivered on XX/XX/2022 and was defective. The retailer asked that I accept the delivery and they would correct any issues so I let them know what the issues where, 1st, the material was pulled away from the back of the sofa and 2nd, the entire back was loose and visible moved when you sat down and creaked loudly. After several weeks of going back and forth with the retailer, they offered {$95.00} to fix the material that was pulled away and did not address the loose back only to say the humidity can cause that which is completely untrue. At that point, I contacted Navy Federal to dispute the charge. I completed all the information necessary and Navy Federal did credit me back the {$1400.00} on XX/XX/2022 and said they would wait to hear back from the retailer. I then saw where the funds were charged back to my account again on XX/XX/2022 so I contacted Navy Federal and was told that the retailer provided information stating I did not follow their 7 day return policy ( which in not true ) and that Navy Federal would send me the retailers response and that I could appeal it and hopefully get my refund since I have a broken sofa sitting in my home. That was the last I have heard from Navy Federal and of course they still have the charge on my account, they just stopped communicating with me and of course I'm sure there are time limits on these appeals and it looks like I'm going to be stuck paying for a broken sofa and no one will call me back or give me any guidance. I've contacted the retailer with no luck, the manufacturer with no luck and most importantly, Navy Federal with no luck. I even sent Navy Federal a letter addressed to their XXXX, XXXX XXXX on XX/XX/2022, again with no response. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is not a personal account of what happened to myself, but an account of what TransUnion and XXXX is doing in response to the XXXX data leak. Bottom line is congress needs to step up and make freeze and thaw free under federal law. 

TransUnion is trying to " persuade '' customers to enroll in their product TrueIdentity by redirecting clients who are trying to put a freeze on their credit through webpages that are misleading and aimed at convincing the client to enroll, rather than freeze. XXXX is doing the same with their product called XXXX XXXX. This practice by TransUnion is described below : " If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in TrueIdentity. '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in TrueIdentity '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit. '' Fortunately, I was not affected by the XXXX data breach, however, I am not one to stand by while others are taken advantage of during a crisis like this one. If you 've read this far into my message, then thank you for your consideration.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 Acct # 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 an 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 explanation
Consumer complaint received 2017-09-13
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.

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 monetary relief
Consumer complaint received 2022-06-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express is violating my rights per my previous cease and desist. The alleged debt collector is still attempting to collect a debt, which I requested in the Cease and Desist submitted on XX/XX/22 by reporting my current balance to the credit furnishers ( XXXX, XXXX, and XXXX ). American Express is also limiting my usage on my open ended line of credit, I am unable to utilize my extension of my open ended credit obtained using social security card that American Express is claiming I owe them, that's the clearest definition of identity fraud. This is causing stress in my personal life. Violations include 15 USC 1692g, 15 USC 1666b, 15 USC 1602L. This account is prepaid and should never be reporting to the credit furnishers with a balance, or as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: GA
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:
Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: SYNCHRONY FINANCIAL
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:
Amazon 3 times and Old Navy XXXX are the ones showing delinquent, when we tried paying and they had me as XXXX. This took months to fix. Still no one can explain to me how this happened. 
Thanks

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 2017-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because Equifax let XXXX XXXX ( including my own ) social security numbers out into the wild, there should be a 1 year reprieve on the cost to freeze/thaw credit. I had no choices in picking the credit bureaus so now I should not have to pay because XXXX of them made a giant blunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, regarding the purchase Contract signed XXXX/XXXX/XXXX. After seeing the term of the loan in my online account ( 75 mos ), I was confused because my Husband and I both were always under the impression that the term of the loan was 60 mos, and not 75. We have purchased many vehicles, and always pay attention to the terms of our loans.
The Salesman, at the time of purchase, presented us with a deal that reflected a 60 month term. Upon entering the finance department, we were under the impression we were getting the same deal, and signed the loan documents electronically. Myself, nor my Husband recall ever being told the term was 75 mos. We would have never agreed to that duration. I just recently came across this information online, thus the questioning 3 + years after purchasing. I have a signed Sales Contract, which includes a Truth in Lending, but the Truth in Lending was not signed as a separate disclosure.
The Finance Manager at XXXX XXXX XXXX told us we signed the documents, and it would have been explained to us at the time of purchase. He is right, we did sign the Contract, and the terms SHOULD have been made clear to us, but they were not. 
I feel like we were baited and switched with the terms of our loan, without our realizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
my protected rights have been violated according to the fair credit reporting act and is also in violation of usc 15 1681 section 602 and 15 usc 1681 604a it also states consumer reporting agency can not furnish a account without my written instruction i do not have the account number on hand at this moment but i do have the names you can confirm once you look at the report those name will be on my XXXX spring oaks capital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: NV
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 accounts listed on my credit report that I do not recognize. I need them removed immediately. 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: VA
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:
Equifax, without my permission or consent, compiled personal financial information about me, and then recklessly managed this information they compiled. As a result of their inadequate security precautions, they allowed my personal information to be stolen. When I sough to place a security freeze through their website, I was advised it could not be completed. 

When investigating receiving future alerts related to wrongful use of the information they failed to protect, I was advised that they would not provide that service beyond one year without compensation. Of course, they mismanaged the information and caused harm that will last beyond one year. The monitoring should last as long as necessary to assure no future harm - presumably lifetime monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CO
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to put initial Fraud Alert on my credit with Equifax. 

First tried calling - XXXX - get past first entry, but when trying to enter social security number, I receive an error, whether I try to enter it verbally or by key entry. Told to either go on-line to alerts.equifax.com or mail it in. 

Second - on alerts.equifax.com I enter all required data, click accept conditions and enter and then get a screen saying system is currently unavailable ( try again or click to print a request form ). 
Have tried many times with different browsers, all give same results. 
When I click on print request form, I get the wrong form ( extended alert form ). 

A company of this size with a problem as visible as this should not have these kind of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MD
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 THE FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXX XXXX, # XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX & XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 SECTION 604A SELECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2019-10-15
Company: ALLY FINANCIAL INC.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I received a letter in the mail from Ally Bank stating that they were giving us 15 days and then our account would be closed. The letter was dated XX/XX/2019, so 8 of the 15 days had already passed before we were notified. Ally Bank did not call us about the issue either. I repeatedly contacted Ally Bank customer service in their online chat and on the phone during the next few days and they wouldn't extend the time period before account closure and they wouldn't let us keep the account, and our savings account open. 

I think that they should have made more attempts to contact us regarding the account closure and we should have had 30 days notice, not 6 days notice. Notice period needs to begin when customer acknowledges receipt of notice and not just when Ally Bank company decided to date their letter. 

Ally bank won't even honor outstanding checks that hadn't been processed before the account closing date. I think that Ally Bank needs to be held accountable for shady business practices.

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 2022-06-13
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 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 company 's 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 thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation