BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: IL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: FL
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  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, Navy Federal Credit Union withdrawn a payment of XXXX from my savings account without my consent to apply towards an outstanding balance of {$11000.00} dollars for a credit card debt of {$12000.00} that was never validated that continues to report on my credit reports with XXXX, XXXX, and XXXX by Navy Federal Credit Union. 

Navy Federal Credit Union hired a third-party debt collector XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX to collect on the debt. XXXX XXXX, XXXX could not validate the debt of {$12000.00} so, they ceased communication with me and trying to report on the debt with all the credit bureaus on XX/XX/XXXX. 

Navy Federal Credit Union has violated my rights under the Fair Debt Collection Practices Act by reporting and collecting on a debt that they have not validated. They have fraudulently stolen money from my savings account and have restarted the statue of limitations over on a debt {$12000.00} that has restarted the aging process of the debt over which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been working diligently on my credit health in order to be able to enjoy my life more and take more pride in my personal finances. I was never taught the importance in having good credit, and I'm hoping to learn enough and pass it onto my XXXX young adult sons and daughter, who's just beginning their credit journey. 
I had worked on my credit reports and scores, I had my FICO scores in the high XXXX 's and my XXXX scores in the low XXXX 's. Last XX/XX/XXXX, TransUnion dropped my score XXXX points, then XXXX nor XXXX decreased not even half or a third of what Transunion drops. In XXXX, I called TransUnion and asked to speak to a manager and ask why did my score dropped so much. She looked at my report, and said that XXXX XXXX looks like a new account was opened. I looked, I said no, I have XXXX auto loan through XXXX XXXX. I researched it, and XXXX XXXX changed their format of the account number, nothing more. And I WAS PUNISHED FOR SOMETHING THAT WASN'T MY DOING!. It took several months before Transunion was aligned more fairly with XXXX and XXXX. It happened again more recently. Transunion dropped me XXXX points on XXXX XX/XX/XXXX, when XXXX decreased me XXXX points XX/XX/XXXX. Because my credit utilization went over 50 % on XXXX or XXXX credit cards, I'd been keeping them below 30 %. I was financially strapped, I'd had XXXX XX/XX/XXXX, XX/XX/XXXX, and my workroom was affected. I had to buy gas and groceries with a few credit cards since I had no available cash. Now it's XX/XX/XXXX and my utilization is lower than it was before, and I've had increases in my credit limits, and my Transunion score remains XXXX. Something is going horribly wrong with that privately owned business that it appears that they drop you a XXXX points overnight but when you rectify it, TransUnion lets the increase creep up. Because of TransUnion, I wasn't about to get XXXX XXXX in order to have my senior sheltie taken care of. I couldn't afford what he needed. I don't care what anyone else says ... Transunion especially is NOT for the consumers rights and investigates fairly. I read so many complaints against all credit bureaus, but especially Transunion. Having my scores drop so suddenly and without a real explanation... I feel like an utter failure in my life. This is how important it is to me to be able to have my finances at a point where my XXXX kids won't be depleted when I XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am reporting that XXXX, equifax, and XXXX are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records.. 

I would like these XXXX student loan accounts removed from my report immediately! The loans are from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-08-22
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello- I am a XXXX XXXX XXXX Veteran, who is rated 100 % service connected XXXX by the Veterans Benefit Administration or the " VA. '' Because of this, in the state of Illinois , I am eligible for the Veterans with Disabilities Property Tax Exemption . This means I pay {$0.00} in property tax for the rest of my life. Per the law, we waited for one year after purchasing our home to file for this, which we were approved and have begin receiving tax statements indicating {$0.00} balances for XXXX & XXXX ( attached ). We worked very diligently with our old mortgage company, XXXX XXXX XXXX  ( XXXX ) in removing the taxes from our mortgage payment since XX/XX/XXXX, which was over ONE YEAR since we closed on the mortgage. We filed a complaint to CPFB about XXXX and received a response ( attached ). However, on or around the date of receiving the response from XXXX, and CPFB our mortgage was transferred to Flagstar Bank. Needless to say, we have had to start all over again in working to get the taxes removed. We have spoken to multiple representatives at Flag Star and have our property assessed multiple times. Unfortunately, our mortgage payment has increased by exactly {$200.00} since the assessments. Our taxes have not been removed despite providing Flagstar with necessary records and documents, including an official letter ( attached ) from the XXXX XXXX Assessors office specifically stating we pay {$0.00} in taxes under the Homestead Exemption for Veterans with Disabilities law. We were told by Flagstars representatives that the letter must specifically show the exact dollar amount in compliance with Flagstar policy in order for them to process the exemption and make changes, despite sending them the most current tax bills containing the amounts. We then went back to the county and were told that they do not put exact dollar amounts in exemption letters due to the fluctuating nature of the assessed property values. Which puts us to where we are at now with higher mortgage payment and still paying property taxes despite the Illinois Homestead Exemption for Veterans with Disabilities law. We have done all we can by submitting current tax bills and a letter from the county assessors office. Please find all necessary docs attached to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used without my consent to obtain service or goods. XXXX XXXX XXXX was was the finance company that is reported on my credit report on the amount of {$31000.00}

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 explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to all XXXX credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: OH
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:
Submitted a fraud complaint on XX/XX/2022. The Credit reporting agency had 4 days to delete all fraud accounts on my credit report. Nothing has changed

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 2022-07-28
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  BANK XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-06-27
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXXXXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX BANK XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-06-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX my husband, received call claiming to be from XXXX ( XXXXXXXX XXXX XXXX ), the electricity is being shut off since acct was XXXX mos behind. Needed XXXX transfer for {$440.00}. No ATM or credit card were accepted since payment would not post till the next day. My husband was frantically trying to comply with the request. I handle all the finances but he did not want to wake me and tried to handle this himself. The transfer was not going thru since the confirmation # was being sent to our land line. I got involved and {$440.00} went thru I could see it post to WF but scammer kept saying it did not post on their end. Requested {$440.00} to be sent. Complied and still it was not posting on their end. Then they asked us to send over several other different amounts. Some of the transfers were credited back right away. They were testing to make sure it worked? WF closed, re-opened new acct. WF case # XXXX, will not reverse funds even involving FRAUD. 
Fraudulent XXXX transaction ( XXXX ) XX/XX/22 {$440.00} Ref # XXXX X paid to XXXX XXXX XX/XX/22 {$440.00} Ref # XXXX paid to 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 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I woke up on XX/XX/21 to an email of insufficient funds in our main checking account. In looking through the charges, I saw a check being processed for {$2500.00} that I did not write. It was written out to a person we don't know for {$2500.00} for " work payment '' in the memo line. That very check number was actually written by me for an amount of {$30.00} for yearly pet licenses and was placed in my mailbox to go out in the mail. The person must have stolen the check from our mailbox, washed the check, and rewrote it. The morning of discovery XXXX XX/XX/21 XXXX, I called our bank and submitted a fraud claim. I closed that checking account and opened a new one. I also filed a police report, as well as submitted a claim to the USPS for mail crime. Our banking institution is holding {$2500.00} total XXXX ( taken from my checking account and savings account ). I want my {$2500.00} back. I have college tuition due in 7 days and was planning on using most of that money towards our daughter 's tuition payment. 

I called our banking fraud claim department several times over the last 10 days to get an update and each time they had no information. This morning ( XX/XX/21 ) I called again and was told that the claim was closed and the representative said she did not know why this happened. My {$2500.00} has not been returned. The representative filed a new fraud claim and said we had to start all over again and that it could take 60 days. She said there was nothing I could do to expedite this. I even physically went to our local banking branch this morning. The branch manager said he was sorry but there was nothing he could do to expedite this. We have been customers of this bank for 27 years and also have our mortgage with them. This is unacceptable. No reason was given why the first fraud claim was closed and who knows what will happen with this one. I want resolution and my {$2500.00} rightfully returned to me in a timely manner.

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