BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX  XXXX XXXX XXXX account with a balance of {$0.00} and a date opened of XX/XX/2021, I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.

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 2023-07-14
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I demand that the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with BANK OF AMERICA, N.A. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, BANK OF AMERICA, N.A. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to XXXX XXXX XXXX XXXX. Yet the name of BANK OF AMERICA, N.A. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.

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 2023-04-10
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: Report provided to employer without your written authorization

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I started to receive emails from Bank of America stating that I need to fund my new checking account. Im a former Bank of America employee, I left about 12 years ago and outside of a credit card I closed out my entire relationship. My ONLY communication with them since then has been the occasional balance transfer. However, there appears to be a checking account that was opened by them and in the fine print it says if I dont fund the account Ill incur fees. 

I work as a XXXX XXXX XXXX two blocks from the local Bank of America so I attempted to resolve this in a civil manner by reaching out to schedule a phone appointment but they never contacted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
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: Credit inquiries on your report that you don't recognize

Complaint:
It has to do more than inquires. My credit scored dropped 23 points for no reason

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 2023-05-20
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 Report Act XXXX Account : XXXX, XXXX XXXX XXXX, for {$610.00}, 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 an account without my written instructions.

I don't owe this company, if this company failed to provide accurate information about my identity, legal action will be taken to solve this matter because this is illegal according to the Fair Credit Act.

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 2018-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear CFPB Representative, In XX/XX/XXXX Chase raised my APR from 11.99 % to 12.24 %, then in XX/XX/XXXX raised the APR to 12.99 %, then XX/XX/XXXX to 13.24 %, then in XX/XX/XXXX to 16.24 %. I thought that low interest rates were a reward for good customers. In all of these years I have never been late and have repeatedly paid the balance off. I sent an email yesterday, XX/XX/XXXX, to Chase asking that the interest rate be lowered and they responded that they would lower my interest rate but that they will have to close the account. What?! 

I ask that the interest rate be lowered but the account will be closed affecting my credit and discontinuing my credit line? Is this normal practice and legal? 

The other Chase card went from 10.74 % to 10.99 % in XX/XX/XXXX, then 11.24 % in XX/XX/XXXX, then 14.49 % in XX/XX/XXXX, then 14.74 % in XX/XX/XXXX, then 14.99 % in XX/XX/XXXX, then 15.24 % in XX/XX/XXXX, then 15.49 in XX/XX/XXXX, to 15.74 % in XX/XX/XXXX! This is not so much of a problem because I do not carry a balance on this card ( though I did try a balance transfer promotion in XX/XX/XXXX but after they tried to charge me interest - which were all refunded - I transferred out the monies to a better card ). So, I pay off the card every month and yet get these APR increases? 

Both of these cards were grandfathered from my previous bank. When Chase purchased the bank @ XXXX I very quickly transferred my checking and saving accounts to another bank ; however, retained my credit cards since it would adversely affect my credit to close the accounts. In other words it is not by choice that I have two Chase credit cards. However, my low APR remained initially. I was and am a responsible card holder. No lateness in over a decade and have repeatedly paid the balance in full. 

In XX/XX/XXXX Chase raised my APRs because my " APRs are below the lowest APRs we currently offer on similar accounts. '' Out of their 'fairness ', my APR was raised. 

Is this fair practice to raise the APR willy-nilly just because and to do it so often? Do I have any recourse other than closing these credit card accounts? We are always under the threat of raised APRs due to some form of delinquency but Chase seems to be raising my APR to CAUSE delinquency on my part. 

Please help! I do not want to close my accounts and I would like my APRs lowered. 

Their response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is fraudulently reporting false information to my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC is not an address I reported the manner and all they did is update the information to the same information Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights have been violated I have asked numerous times to have this address removed from my credit report They have claimed that this address has been verified by an account that I have also disputed And was charged off the written of on the collectors taxes in which they have been paid in full for the debt yet still illegal reporting to my credit report for payment Failure to delete this address from my credit will result in all parties willing fully and knowingly engaging in the theft of my identity and illegally wrongfully accessing and obtaining my personal information to continue to report such fraudulent activities and I will file a civil lawsuit

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00}

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 non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
I received a notification by XXXX that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from XXXX. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

1 ) XXXX {$340.00} 2 ) XXXX {$260.00} 3 ) XXXX {$100.00} 4 ) XXXX {$220.00} THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT BACK IN XXXX AND IDENTITY REPORT WAS SUBMITTED. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: IN
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 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 2021-12-22
Company: Experian Information Solutions Inc.
State: MD
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 recently viewed my credit report and saw some accounts and inquiries i did not authorized. I then contacted the company to see what needed to be done to remove these unauthorized items. I have since submitted all documents asked of me but have the items still persist. I have some huge goals i would love to accomplish in the near future and these items are stopping me from attempting and it is becoming frustrating.

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 2023-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mon, XX/XX/XXXX at XXXX PM SELECT PORTFOLIO SERVICING, INC. SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX : CFPB, OCC, FHFA RE : YOUR LETTERS AND ALLEGED ACCOUNT NUMBER : XXXX Dear Sirs : My wife and I and XXXX XXXX XXXX parents thank you for your letter dated XX/XX/XXXX. XXXX sent by SPS. 

Also thank you for your letter dated XX/XX/XXXX from some unknown company called XXXX XXXX XXXX ( XXXX ). The letter has a strange telephone number of : XXXX ( XXXX ) XXXX. It has no return address, nor name nor signature of any person responsible. This is obviously a fraudulent letter in violation of the FCA and FDCPA. The letter states that they are postponing an alleged Trustee Sale, which is causing my parents great XXXX and stress. 

Your accounting and loan documentation is apparently fraudulent as well for the following reasons : The most recent assignment we have a copy of was to XXXX XXXX dated XX/XX/XXXX. There is no explanation about this nor how these alleged documents got to your company? 

Also, this letter you sent us included a fourth ( 4th ) version of an alleged promissory note. 1. ) One stamped. 2. ) Another unstamped. 3. ) One with punch holes. 4. ) Another without punch holes. They are obviously bad and fraudulent copies. 

Also, your accounting is all wrong. Your alleged debt is shows a balance of {$310000.00} on XX/XX/XXXX, and a balance of {$260000.00} on XX/XX/XXXX. XXXX. We believe that to be the last payment made to the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ) on their account number : XXXX, the real party in interest and owners of the and holders of the alleged deed and note. 

In fact, the Office of the Inspector General of the Federal Housing Finance Agency ( FHFA ) has just opened an investigation into this matter on XX/XX/XXXX. Also, there is presently an Appeal pending in the Ninth Circuit Court of Appeals regarding this matter, and we have requested you stay everything while the case is heard. 

We await your clarification of all of the above. 

XXXX & XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: NORTHWEST BANCSHARES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX, i called Northwest Bank to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like Northwest Bank to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation