BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the first one on XXXX, 2015 and the second one on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX  date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account on my credit report that is not mine 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 2021-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, 2021 This Inquiry does not belong to me

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 2015-07-14
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Flagstar Bank is reporting a 30 day late payment on my credit report that is not accurate. Currently, I am seeing 30 days past due as of XXXX 2013 which can not be true. I have disputed this account several times and see that they are in violation of the Fair Credit Reporting Act by not reporting the account as in dispute which entitles me to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called TranUnion ( XXXX option XXXX then XXXX ) on XXXX/XXXX/16 and spoke to a XXXX in the consumer relation department at XXXX in regards to all my inquiries being removed and added back on. XXXX stated to me that I need to talk to the creditors who reported the inquiry. I explained that I already did and I also explained that I sent TranUnion a copy of the correspondence and explained that I was a victim of fraud and he sees the alert on my account and still refused to help me. The previous advisor removed the inquiries because of the fraud and now it 's back on there. Please help they do n't care about the consumer and the damage this has done to my credit profile.

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 2021-04-17
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I called credence on XX/XX/XXXX. I stated I filed chapter XXXX and was discharged on XX/XX/XXXX and its almost been a year I dont know why they have not informed the other company and took it off. The rep stated that they have not heard back from my lawyer or judge to confirm but its in there system for chapter XXXX. It felt kind of odd because when I call debt collector they ask me for the the date and discharge number which I give them. It takes normally a couple of days or a week before it is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I received a bill on my account with XXXX XXXX in late XX/XX/XXXX. 
Payment was due XX/XX/XXXX. 
There was a charge on XXXX XXXX, XXXX, for {$530.00} at XXXX in XXXX, California. All other charges in XX/XX/XXXX were in the XXXX metropolitan area where I live. I did not make a charge at XXXX at XXXX, California. 

In XX/XX/XXXX, I was treating for XXXX and COVID was raging. No travel was advised and I did not travel during that time. I did not purchase the phone in XXXX, California. The credit card said it was an in-person purchase. A review of any security tape will show that it was not me. 

I immediately challenged the charge with XXXX XXXX  Company. I have had this credit card for 30 years and have never had a similar problem. I have always paid my bill in full. 

In a letter dated, XX/XX/XXXX, the credit card denied my disputed charge. 

I would like to appeal this charge as I did not make 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 monetary relief
Consumer complaint received 2016-10-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The loan company has been giving my information to my spouse which is illegal in the state of South Carolina. After I have called them to request a payoff, they are refusing to give it to me due to the current situation I have discussed w/ them. I have called them 2 times within a 30 minute period for my payoff & they keep putting me on hold & then saying they have it taken care of. 3 hours later, no payoff faxed to me or no phone call back to let me know what info I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX ,2017   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Portfolio Recovery A Original Creditor Name : XXXX XXXX  I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: VA
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:
The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX It has been more than 30 days and the XXXX  has not sent me verifiable proof of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX not XXXX XXXX. I sent in court documents

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 2016-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
We used a Chase VISA credit card for services at a veterinary clinic. The services were sub-standard and were harmful to our pet. Although, we disputed the charges, XXXX XXXX, disputes dept. XXXX, extension XXXX said that services rendered could not be disputed. However, this is incorrect as XXXX publishes that services can be challenged if they are not in accordance to a reasonable standard when compared to similar merchants. Although we provided extensive evidence that the merchant failed to provide services in accordance with a reasonable standard by contacting XXXX major veterinary clinics, XXXX XXXX refused to proceed with the dispute saying that even if that were true, Chase can only ask the merchant bank for a credit which she was certain they would not provide. I was surprised by this as I had been a XXXX year customer of Chase bank. I was even contacted by the Chase " Executive Office '' only to disover this was another level of customer service with no ability to make decisions. The agents name was XXXX XXXX, XXXX, ext XXXX and she said that Chase did contact the merchant bank but they refused to issue a credit saying the charges were valid. Again, since we were able to provide evidence that the services provided were substandard, caused harm to out pet, that was XXXX results took XXXX hours to receive thus extending the hospital stay and costs, unnecessarily ( 24 hrs is standard turn-around time for results at all vet clinics of similar size ), we dispute the services as substandard and useless due to timing issues which provided little to no options for us to consider in the treatment of our pet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has been provided with several police reports dating back as early as 2019 in which I filed complaints about someone using my social security number. The account with XXXX XXXX account number XXXX is a fraud account. However, Experian has not removed this account from my credit file dispite me providing them with the police report listing this account fraud. In addition, there is a public record account reporting incorrectly on my credit bureau record with Experian case number XXXX this account is reporting under a name similar to mine spelled XXXX XXXX but, my name is NOT spelled with this spelling. However, Experian contends that because this account is being verified as mine via a social security number match verification they are refusing to remove this account although the name is not the spelling of my name Experian refuses to remove this account. The Fair credit reporting act makes it very clear these accounts has to be removed due to the name variation additionally, the account with XXXX has been included as a fruad account. Experian is in violation of the fair credit reporting act and is refusing to follow the laws governing credit reporting. Therefore, Experian is refusing to remove these accounts although, they have the proof that is required.

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 2015-05-13
Company: National Credit Systems,Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an active account with XXXX XXXX XXXX. I have my 2 Capital One credit cards listed with XXXX XXXX XXXX. XXXX XXXX XXXX shows these 2 credit card accounts as being resolved, waiting payments. XXXX XXXX XXXX will be submitting those payments for me. 
Capital One Account Services has " robocalled '' me several times for a 'very important matter '. It's about these 2 accounts. Each time I tell them to contact XXXX XXXX XXXX. Each time I call the number back that office is closed, usually on the weekend or late evening. I am then told to call back the next business day. 
The last call I received was Saturday, XX/XX/2021 at XXXX XXXX. I was told to call XXXX to resolve this matter. When I called them back the customer service agent informed me that the department " auto calling '' me was closed till Monday and to call back then. I informed them once again to call XXXX XXXX XXXX. 
I believe they are trying to harass me into paying them myself, thereby disqualifying the agreement arranged by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation