BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Upon recently checking my credit report, I have discovered XXXX XXXX obtained a copy of my report without my authorization or consent. Further, they are reporting that I am " over limit " on my account, which is innacurate. They have been reporting since XX/XX/2022. This company is a scam and have had their business license revoked in Texas.

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 2023-08-19
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After currently reviewing my consumer report, its has come to my attention that the financial institution Navy Federal Credit Union failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. Navy Federal has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to Navy Federal Credit Union because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, Navy Federal Credit Union failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. Navy Federal Credit Union also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to Navy Federal Credit Union. I have sustained multiple damages due to the deceptive and negligent actions by Navy Federal Credit Union. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX, VA 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
Consumer complaint received 2021-08-03
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On XX/XX/XXXX I pad JPMCB the full balance of my credit card which was {$1100.00}. XXXX  refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-24
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: FL
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 have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-24
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-24
Company: EQUIFAX, INC.
State: AL
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, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # XXXX 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 2021-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending out my disputes to Equifax to put my correct and updated Information on my report. I have informed them that somethings were wrong and that needed to be removed Immediately. Im also trying to get a car and house and these negative and inaccurate information being reported are really stopping me from doing that. I never gave amyone permission to report thess negative and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022, I attempted to take advantage of a 25 percent discount offer from Macy 's if I got a Macy 's credit card - I found a great deal on a couple of outdoor chairs I wanted to buy. I filled out the application form, only to receive a response telling me that Macy 's ( or their credit card, an Amex card licensed to Citi Cards ) had more questions to ask me ( never mind that my XXXX score from XXXX is XXXX and XXXX from XXXX - and within a minutes I got an email saying someone had checked my credit with XXXX ). The response from Macy 's provided an XXXX number to call, but a robot calling system demanded to know my credit card number, and there was no way to get through to a human being. To make a long story short, after two hours and many phone calls, I ended up speaking with someone in Macy 's credit department. She was able to find my application but informed me once more that they had more questions, then told me I would have to wait to receive a letter within seven to ten business days with the questions, then proceed from there. But what about my discount? I asked. Oh, yes, you can still get it, she said - buy the chairs now and when you are approved, we'll take the 25 percent off. Even though the sale on these chairs ends tonight? I wanted to know. Oh, no, said she. Besides, she added, that offer doesn't apply to everything we sell. At that point I told her it would be a cold day in XXXX before I shop Macy 's again and ended the phone call. I took a screenshot of the purchase I had wanted to make and will be happy to give it to the CFPB if there is a way to upload it. This strikes me as either a bait-and-switch or, at the very least, a terribly misleading come-on.

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 2022-09-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I suffered an identity theft and fell behind on my payments due to a lack of work stemming from the identity theft. I contacted my mortgage company approximately 10 months ago to try and modify the loan to help me save my home. I have received terrible communication, if and when I actually received a response from them. I have been told three different scenarios on what is required to modify the loan and Im now being told the only avenue I can go is one that would possibly put me at risk of being injured or killed. They are requiring a document to be signed by my ex-wife, whom I have proof of which explains she and her current boyfriend were the ones that stole my identity and took out life insurance policies against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They stated they were a filing company. Saying I owed an old Wachovia credit card bill from XXXX. Said it went into collection XXXX. I never received anything from collections. They said I would be served papers from them. Or I could settle out of court for XXXX dollars. And that I could make installment 3 payment XXXX. Or if I was financially unable they would do 6 months. They said they where contacting me because the COVID-19 restrictions grace period was over. They if it goes to ourt I would have to pay XXXX dollars. They called me my wife and mom. An 11 digit number 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 2022-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to XXXX XXXX their company stated they received an application on XX/XX/XXXX, and allegedly opened an account on XX/XX/XXXX. I do not understand how an alleged account can be opened prior to an application date. Attached in Exhibit A, XXXX XXXX has provided me with inconsistent dates regarding alleged account ending in XXXX. XXXX XXXX was also unable to validate this alleged debt with the monthly statements that were mailed to me. 

This is complaint is regarding the alleged consumer credit transaction entered with your company dated XX/XX/XXXX ( See attached ) and I extended your organization the credit for the account number ending XXXX. 

I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit practices.

From your end, I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ). 

XXXX XXXX has federally violated my rights as a federally protected consumer. They did not give adequate notice in regards to the above referenced account, and I made an uninformed decision and I did not understand the agreement, it was NOT clear and conscious. XXXX XXXX and Experian delete this account immediately or I will pursue legal action.

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 2022-06-24
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:
I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$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 explanation
Consumer complaint received 2022-06-24
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Forced Placed Insurance Policy by US Bank National who is not the mortgagee and who should not have been servicing the account.

see attached US Bank sends me correspondence with an account number on it that is different than the original one.

I have requested that Universal Property remove the force placed policy.

see attached They refer me back to US Bank Per US Bank, the account is " closed '' see attached.

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 2022-06-24
Company: EQUIFAX, INC.
State: GA
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:
This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX XXXX # XXXX have 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 explanation