BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: WA
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:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment omXX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

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 2017-04-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I moved my savings account from   XXXX   XXXX   XXXX   to  Navy Federal  because the monthly charge but now I see why   XXXX   XXXX   XXXX   has monthly charges. About  XXXX  to  XXXX  weeks ago I had a problem with my  Navy Federal  account, I got a email on   XXXX   saying : Dear Member, A new Member-to-Member Payee has been successfully added to your account. You can now instantly send money to this member . Requestor 's name : ME. Payee 's   name :  XXXX   XXXX . When I saw this on my email I first thought I was a junk email but I opened my savings account and BOOM all my savings money was gone only {$34.00} was left in it, like a big laugh and a punch in the face. I went to the bank and filed a DECLARATION OF FORGERY/FRAUD form, that 's after I was questioned by the bank employee asking like what kind of phone do you got, where were you at at this certain time. Yes I understand that they got to be safe and make sure there not getting hacked/robbed but why would I do that to my own account, do n't you thank I would use someone else 's one then move it to my account? But anyway I do n't know much about computers in the first place only web browsing, email checking, and game playing that mostly it. But back to reason after I filed the DECLARATION OF FORGERY/FRAUD paper they told me my money will be back in my account in  XXXX  days well get ready fo some math it was filed   XXXX   today is  XXXX  the last time I checked on it was on  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened : XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : 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 2022-08-14
Company: WELLS FARGO & COMPANY
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages due to WELLS FARGO DEALER SVC in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my XXXX and XXXX credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to XXXX. I have mailed FTC reports to both the company and the bureaus without this being resolved.

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 2022-03-04
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Synchrony bankXXXX credit reported me 30 days late for XXXX before my payment was due! Payments due on the XXXX of the month. I paid XXXX on the XXXX and XXXX on the XXXX. They keep saying they arent reporting me late for XXXX and my XXXX shows they are reporting me late. I paid extra in XXXX! I paid ja and XXXX early so how was I late in XXXX and my account shows a 50.00 credit because I paid more than was due trying to pay it down but they only allow full payoff!

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 2017-08-16
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX,2017 I was online and saw an link to a card that would pay XXXX dollars for spending XXXX dollars in the first 90 day. I clicked on the link, it was wells fargo, I filled out the application and was accepted on line. I spent XXXX dollars in the card in the first month that I had the card. At the end of the first billing cycle in XXXX I checked my account and there was not a cash back reward, I called wells fargo and they told my it would be given to me in XXXX 2017 at the end of the 90 day intro. period. In XXXX when I checked wells fargo had only put XXXX dollars in my rewards account. I called wells fargo and inquired about the cash back rewards deposit. Wells fargo opened a case for me on the XXXX of XXXX and said it should be completed in 14 days. I called back on the about the XXXX of XXXX and it still had not been completed, and was told that it was real close to being completed. I then called back on the XXXX of XXXX and was told that it had not been completed yet. I asked to speak to a supervisor who gave me the same answer, and he told me that my case had been taken to the next level of the investigation. ( not sure what that means ) I told them both that this was not their fault, but was not very good customer service. After the lady gave me her reason for the case not being completed. I told her that I was going to file a complaint with the CFPB. and that what they were doing to customers was a bait and switch, At which time I told her was illegal and that I expected to have the XXXX dollars of the reward monies put into my rewards account by the XXXX of XXXX 2017. I  then reiterated that I was going to report them to the CFPB. Thank you for your time in looking into this matter. last four XXXX XXXX XXXX XXXX XXXX, USA ( 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the sixteen ( 16 ) dispute letters I have been sending to the Credit Bureaus, the Credit Bureaus have done nothing and continued to report the disputed items on my Credit Report without sending me copies of proofs of verification which is a clear violation of a consumer 's rights under the FCRA. The Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal identifying documents as well as the ID THEFT REPORT I received from the FTC. I am submitting this CFPB complaint to you today to address the indifference and negligence of the Credit Reporting Agencies. Under the provisions of the FCRA section 605b, I am requesting that the following items be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00}

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 2017-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report from Experian that I do not recognize. I have contacted Experian and the companies to resolve the issue but have been unsuccessful. Below are the inquiries in question that I would like Experian to provide me with the information that proper procedures were used to obtain my credit by these companies and that they had my signed consent or a recorded IP address from the source. 

1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX/ : XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX 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 explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the XXXX ( XXXX ) dispute letters I have been sending to the Credit Bureaus, the Credit Bureaus have done nothing and continued to report the disputed items on my Credit Report without sending me copies of proofs of verification which is a clear violation of a consumer 's rights under the FCRA. The Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal identifying documents as well as the ID THEFT REPORT I received from the FTC. I am submitting this CFPB complaint to you today to address the indifference and negligence of the Credit Reporting Agencies. Under the provisions of the FCRA section 605b, I am requesting that the following items be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: WA
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:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: TX
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:
This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.

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 2022-08-31
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 equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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.

It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and DELETE from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXXLate/Closed-V/N DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On   XXXX   XXXX   XXXX    XXXX     i checked my  XXXX  credit report and saw that a new collection was placed on my report from   XXXX   XXXX   XXXX   for {$310.00} showing an open date of   XXXX   XXXX   XXXX     stating original creditor   XXXX   XXXX   XXXX  . I have no knowledge of said debt and due to my mother and i having the same name and i have had problems with her creditors in the past i decided to take no chances and sent   XXXX   XXXX   a  Debt Validation  letter through certified mail with a read receipt attached in hopes they would be able to send me something that would show that i owe the debt such as : a contract or payment history with my information. I also disputed the debt with  XXXX . About a week later i received a letter from  XXXX  stating the debt was " verified as accurate '' even though i still had not received anything from   XXXX   XXXX  . So i contacted  XXXX  by phone and asked them to reopen the investigation which they did and said they would reinvestigate. Then a week later i received  XXXX  separate letters from   XXXX   XXXX   The first letter dated   XXXX   XXXX   XXXX   was a  XXXX  ebt Validation Notice stating they purchased my debt and if i dispute the validity of the debt i can notify them in writing within 30 days so that they can obtain verification of the debt. The second letter dat ed   XXXX   XXXX   XXXX     was a Identity Theft Dispute Response letting me know to submit a police report for the identity theft. On    XXXX   XXXX   XXXX    XXXX   wrote to   XXXX   XXXX   again through priority mail with a read receipt responding to their letters and again requesting debt validation. I also requested any contract or documentation that ties me to this alleged debt. Then on   XXXX   XXXX   i received a letter from   XXXX   stating again that the debt was " verified as accurate '' even though to this day i have not received any other correspondence from   XXXX   XXXX   I have since mailed out to  XXXX  through ceritified mail with read receipt for Method of Verification due to still not receiving anything from the debt collector. This has caused me great distress as it has affected my  XXXX   XXXX  since it is showing as a recent collection from  XXXX    XXXX  . I am filing this complaint in hopes i can remedy this situation as quickly as possible.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXXXXXX XXXX XXXXXXXX # XXXX Collection 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