BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
**Notice of Default and Opportunity to Cure** To Whom It May Concern, I am writing to formally notify you of a default under our an agreement dated XX/XX/, with NAVY FEDERAL CREDIT UNION concerning my application for a line of credit. 
Despite my eligibility and compliance with the terms set forth, my request for a line of credit has been denied. This action not only violates our agreement but also contravenes federal law, specifically infringing upon my rights as a consumer. It is important to note that company procedures do not supersede federal law. 
According to 15 USC 1602 ( F ), it is clear that access to credit is a right afforded to me. Furthermore, 15 USC 1693 ( a ) ( 3 ) explicitly states that discrimination against individuals exercising their rights under this statute is prohibited. NAVY FEDERAL CREDIT UNION company 's denial of my credit application is, therefore, a direct violation of these laws. 
To resolve this matter, I am offering NAVY FEDERAL CREDIT UNION the opportunity to cure this default by granting me a line of credit. The amount of credit should reflect the maximum allowable based on the principal balance of my principal account, XXXX XXXX Signed, XXXX XXXX XXXX PRIVATE AMERICAN, GRANTOR-SOLE BENEFICIARY, ISSUER NATURAL PERSON of principal account XXXX XXXX , ALL RIGHTS RESERVED, WITHOUT RECOURSE FURTHER AFFIANT SAYETH NOT.

Company response to consumer: In progress
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file.

I am asking for TransUnion to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2022-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Me and my ex husband have been separated for 5 yrs and I no longer want my name attached to car loan he has his own company and is more capable of having it in his own name than e been divorced for a long time now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a city priority account which requires a minimum Balance XXXX to avoid the monthly service charge, I was told by a banker that they would be able to transfer my brokage account that has a balance of XXXX, the process never happened that way, i initially opened the account with XXXX dollars but it was closed and i was charged XXXX dollars for each month the account was never in use as i was waiting for the transfer from the banker I spoke with, at this point i would like to get a refund of all my fees that equal to XXXX dollars was told that of the account was open they would be able to give me the cash but because it was not open that they would not be able to i am hoping that you can get involved to help 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 2022-11-29
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account. 
Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Reference # XXXX I own a Media Production company called XXXX XXXX XXXX  and XXXX XX/XX/XXXX my company was contracted to do a project with an artist/visionary represented by a major media corporation. The job required that I sign an XXXX to not disclose anything about this project, and part what was in the XXXX was the long hours and dates of commitment and the requirement to turn in your phone and apple watch when you are on set. 
First day of Production was XX/XX/2022 so since then I was out of commission and out of reach for the most part, however we will get a day or hours of break here and there. Upon what I thought was my first one week long break from the production on XX/XX/2022 I checked my bank account and saw series of transactions that I did not do or authorized, I called the bank to have my card cancelled and initiate a dispute/fraud alert, upon spending over an hour on the phone going over the fraudulent transactions with the bank representative I was speaking with, she told me that her attempt to submit the transaction for dispute failed because their system was down, she told me to call back at later time and have the dispute put through, she also told me that whenever I call that the transaction is already recorded and I wouldn't have to go through the ordeal of identifying them, she also went ahead and cancelled my card and issued a new one. The next day I called them and I couldn't get through and that same day I had a SOS from the people I was working for requesting that me and my team report back the same day for some work related emergencies. I went back to work and two weeks later we finally have our first week of break and on XX/XX/2022 I spoke with several of the bank representatives, some who hang up on me or perhaps a drop call and finally was able to get one who was patient enough to submit the the claim while I went through the ordeal of identifying the transactions as all the Bank representatives I spoke to before him on the same day and even the one that finally took the claim said that they do not see any note regarding calling about this same issue on XXXX/XXXX/2022, and few days after having this case finally filed I received a letter dated XX/XX/2022 saying that I am responsible for this charges. First of all, what sort of investigation takes one day? I saw this letter two days ago and upon reading it my XXXX XXXX went up, I've suffered a XXXX in the past so I have to let me calm down before i could respond to it as my body and mind was going through the trauma response of this letter and for the past two nights I haven't been able to sleep.

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 2022-06-26
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't receive notice of right to dispute. Federal law governing the collection of debts require a debt collector to include this in their initial communication ; ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be ASSUMED to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Dovenmeuhle has violated the FDCPA and I have included the initial communication that proves it failed to comply. Without knowing I had the right to dispute any alleged debts, I relied on information provided by the Consumer Financial Protection Bureau for guidance. 

Based on the federal laws of the FDCPA, this notice would not have been included if the consumer has paid the debt. I do not intend to pay a corporation that is not able to provide me verification ( XXXX XXXX XXXX ) of the alleged debt, by mail. 

DOVENMUEHLE MORTGAGE INC. ( DMI ) is a debt collector defined under 15 USC 1692a ( 6 ) ( F ) ( iii ). Under the FDCPA Creditor and Debt Collector are mutually exclusive. DMI stated, " language reading debt collection was included as, at the time your loan was transferred to our office, it was still reflecting due for its XX/XX/2022 payment. This is the standard verbiage used by our office on correspondence which may be sent to borrowers on non-current loans. '' 15 USC 1692a ( 6 ) ( F ) ( iii ) explains in further detail who DMI is in this consumer credit transaction that it purchased in a commercial deal between XXXX XXXX XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: SC
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 accounts 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 these files. 
XXXX XXXX  XXXX Balance : {$0.00} FST XXXX XXXXXXXX Balance : {$980.00} FST XXXX  XXXX Balance : {$1100.00} TD XXXX XXXX  XXXX Balance XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXXL XXXX Balance : {$31.00} 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 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 2022-06-26
Company: Bread Financial Holdings, Inc.
State: MA
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:
I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : COMENITY BANK/VCTRXXXX XXXX XXXX Secrets Reported : XX/XX/XXXX COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX COMENITY BANK/LNBRYANT Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: BARCLAYS BANK DELAWARE
State: MA
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:
I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX BARCLAYS BANK DELAWARE Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reported : XXXX. XXXX, XXXX XXXX BANK XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.

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 2022-04-24
Company: DISCOVER BANK
State: IA
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 an email from my credit card company ( Discover Card ) on XX/XX/2022 around XXXXXXXX XXXX that there were XXXX attempts made to send {$300.00} to someone called XXXX XXXX via XXXX using my credit card on XX/XX/2022 around XXXXXXXX XXXX and XXXX. First attempt was unsuccessful but the second one was successful. It is my ex boyfriend who has been following me since I broke up with him. XXXX XXXX is his sisters name. First he spread my explicit videos around Without my permission and now he he send money to his sister using my credit card. He also broke into my phone last month to access my photos and other contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Sequium Asset Solutions, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the rights 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 response to consumer: Closed with explanation