BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As stated in other complaint XXXX I can not access my Equifax score online, and they are claiming they don't have a file on me, and also providing incorrect information to other companies. 
Since I could not get it online, nor can I get it from XXXX, I sent Equifax a paper request via mail. They sent back a form letter requiring a copy of my driver 's license and social security card, which I had already sent them this year, but I sent them again in XXXX. 
In early XXXX they sent the same form letter back to me requesting the same documents. 
I've sent them legible, valid IDs 3 times this year and they won't respond and they won't send me my credit report and they won't correct the inaccurate info on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NC
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:
I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I noticed overdraft fees on my account totaling XXXX on XX/XX/XXXX. I contacted the bank on the XX/XX/XXXX after another XXXX dollars in overdraft fees came out, totaling XXXX dollars. I was informed who the merchant was that triggered the overdrafts and I reached out to the merchant. The merchant stated they would refund my money because I didn't authorize the charges. I saw to credited payments from the merchant and contacted navy federal again to confirm the payments were reversed. Navy Federal refuses to remove the overdraft fees and provide a credit until the fraud issue is resolved. I have asked for a resolution but they are not giving direct answers and they have me going in circles. I have never experienced this with any bank and I am highly disappointed. This business is supposed to practice ethical acts but they are definitely practicing unethical practices. I feel like they are robbing the less fortunate and giving to the rich.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: LA
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:
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.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX Acct # XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct XXXX XXXX XXXX  Acct # 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: KS
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2023 i noticed some questionable late payments on a closed account. The account also seemed to update monthly. To my understanding updating on a closed account manipulates the statute of limitations. Credit Bureaus are governed to furnish 100 percent accuracy at all times and with this XXXX XXXX account on my credit report they have failed to maintain accurate records. The late payments you report are unproven. Please maintain 100 percent accurate records or delete this account.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-04-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Bank XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX Equifax Mortgage Ser XX/XX/XXXX Cap XXXX NA XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX FD/Synergy XXXX Lending XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
hello, the XXXX XXXX  account that appears on my XXXX XXXX and experian credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: MA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-25
Company: Experian Information Solutions 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 am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXXXXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is a fraudulent charge on my account that I have been trying to resolve for months from XXXX XXXX XXXX which is located in Florida and I live in Georgia. I saw the charge on my account XX/XX/2023. I have never used garage services in my life and when I tried to dispute the charge American Express is denying the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I see in my report 30 inquires I never apply for these lender non have my signature I try to contact trans union to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month

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: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had open an account 4 years ago under XXXX preferred name XXXX. Chime which is XXXX XXXX sent a card under XXXX. Which they did document it right. I tried to send a check online. I had funds in my accounts they refused the payment. They did that same day send a flag on the last name XXXX. Asked for me to send them a 1099 knowing I am XXXX. I question it no answer. They did threatened to shut down my account said they needed it due to the IRS. I never did get anything from the IRS. I sent all my information I'd, social security, birth certificate. They refused it wanted only the 1099. I filled it out before the deadline. During this time XXXX XXXX refused deposits from me. I didn't get no letters from chime father on the account being closed. I thought it was taken care of. Next thing I knew they closed it on XX/XX/2023. They logged me out of my accounts on my mobile app from seeing my financial statements. I had no access to those. I still could see those statements up to XX/XX/2023. I seen several deposits at the point it was closed.I had no access to it. How were these transactions going thru they knew wasn't mine they kept posting. I like this investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00}.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and the companies listed below ran an unauthorized credit inquiry on me. 

XXXX XXXX, TransUnion, XX/XX/XXXX XXXX, TransUnion, XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights and should be removed. Please see attached FTC Identity Theft Report. 

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2023-10-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was sent to collections why I was incarcerated I paid it off full an need it off of my credit Account 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX card On XXXX I walked into the XXXX store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my XXXX account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called XXXX and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX  Email received by TransUnion regarding credit score dropped by XXXX due to this bill XXXX Emailed XXXX XXXX  regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: OH
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:
Fruadlent Accounts and inquiries appearing on credit report. 

Accounts XXXX. XXXX XXXX {$920.00} XXXX. XXXX XXXX {$640.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation