BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are mutliple credit inquires that I didn't authorize. The same inquires were sent several times on multiple dates. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-12-29
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from the county stating that they have not been receiving property tax payments. I contacted the county to ensure that there were no clerical errors on their end. From talking with them, they said that they had received some of the tax payments, but have not received others. They said that I needed to talk to my mortgage company to get things all sorted out. According to the bills from BSI Financial Services ( my loan servicer ), I have been paying escrow. I contacted BSI to make sure that they have been doing everything on their end. The person I talked to on the phone confirmed that I was paying escrow, and said that she would forward the information on to the tax department to make sure that they had been taken care of that. That was a few weeks ago, and I have not heard anything back since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 antedsates 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 2023-07-15
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-08-26
Company: EQUIFAX, 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 personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/ account number XXXX and fraudulent inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: LA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023 I tries using my Miles from my united XXXX XXXX card to book a hotel in XXXX. My credit card has a remaining statement balance ( in {$0.00} ) that was paid off in time and a total current balance of {$750.00} out of a total credit line of {$15000.00}. 

I have XXXX XXXX Miles available that could be used for booking hotels that are equal or under that amount with taxes and other fees or used partially with compensating the rest with money. I tries to use both option to book hotels through the united authorized website ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ) but Keep getting an pop up stating that I should choose another payment method. 

I proceeded to try using another hotel option and was still getting the same message. I then called the UnitedXXXX number on the back of the card to ask if they could help me to book the hotel using my miles, they said they could not and gave me their partner number for hotel bookings ( XXXX XXXX ). When I called them, they said they could not help me and proceded to tell me I should call the number on the back of the card I called them again and they told me to call chase customer service and Chase told me to call the Milage number. In the end no one was able to tell me why i could not use my Miles for booking the hotel and I had to book the hotel using the United Credit card with out any miles. I want to understand why Im not able to use my miles in one of the formats they say you can use them. I think they are not letting me use my miles and dont want to answer why...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/, 2023 my Navy Federal credit card Flagship Rewards ending in XXXX could not be used for a small purchase of XXXX dollars. I received a telephone call from Navy Federal stating that I am no longer able to use or charge anything on my card ending in XXXX due to an old charge off auto loan from 2 years ago- loan number XXXX. I have been with this Credit Union for over ten years and have paid off several credit cards and loans in full. It's not that I do not have any available credit on my credit card I could totally understand. But to tell me that I can not use my credit card due to another loan that went bad 2 years ago this is XXXX I AM A XXXX MANT THAT OWNS A HOME PAYS MY BILLS AND FEEL THAT IA M BEING PUNISHED FOR ONE ACCOUNT THAT WAS CHARGED OFF TWO YEARS AO BUT I HAVE THREE OTHER ACCOUNTS WITH THIS CREDIT UNION THIS IS XXXX  AND AI WANT SOMETHING DONE++ ABOUT THIS, PLESE HELP. IF I NEVER BEEN LATE WITH ACCOUNT OR ANY OTHER ONE WHY AM I AM BEING PENALIZE FOR ANOTHER, PLEASE HELP SO THIS WILL NOT BE DONE TO ANY OTHER XXXX AMERICAN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XXXX .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said Santander was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XXXX XXXX I got a taped call asking me to press on .Another firm named XXXX called again representing Santander Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe Santander any money This is harassment or a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, the ATM at the PNC XXXX XXXX branch suddenly stopped working around XXXX. I attempted to use the APP and my credentials were denied. I tried to use the app from XXXX - midnight and later and still continued to give trouble - this morning I see XXXX overdraft fees for {$36.00} on my business checking account. I would like the fees to be removed - PNC has technical/ system issues and the institution is taking it out on the small business owner who has to manage the bank 's issues with their mortgage department, their business department and various other departments. 

Additionally, i reported a transaction that looked like a fraudulent issue on Sunday XX/XX/XXXX and it took me more than 2 hours to get connected to the fraud department - who then resolved the issue after more discussions. If I had not insisted on speaking with the fraud department, the matter would not have been flagged nor would I have had a {$370.00} debit resolved. 

PNC 's customer agents are unable to resolve issues anymore and most of the time the customer is having to move complaints up the chain at considerable cost to their own business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NY
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, this creditor, XXXX XXXX ( Acct # XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2022-10-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So I sent a letter on XX/XX/2021. Here is my tracking number XXXX to remove personal information that I don't want on my credit report. According to the Fair credit act report act 15 USC 1681.I have the right to privacy. Also According to the USC 6802. No financial institution is not suppose to share my information to the third party people. These are 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 explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing my report I noticed some negative item 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 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
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 checked my Experian to unfreeze my account due to fraud from my bank account. I notice there was an inquiry from XXXX XXXX XXXX. I do now recognize this company nor have I opened an inquiry with this company therefore I believe it is ongoing fraud. Experian disputed this on my file. My bank XXXXXXXX XXXX there was fraud on my account and I had to close my accounts. I also stated to Experian there was an incorrect name being used on my account with the middle initial XXXX They said they disputed this as well. I also do not recognize XXXXXXXX XXXX on my Experian credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: VA
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:
EQUIFAX has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EQUIFAX permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EQUIFAX giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22, {$4100.00} was deducted from my TD Bank account without my authorization by TD Bank. I was never contacted by the bank for the rational for this withdrawal. When I called and emailed them they ignored me and I still have never heard back. The bank blindly withdrew this without any contact to me prior and without my consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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:
A re-investigation dispute was made to Transunion on XX/XX/XXXX and 30 days prior to that the initial dispute that the erroneous information had not been DELETED from my credit report : XXXX XXXX in the amount of {$7200.00} original creditor XXXX XXXX XXXX. The entire account is reported in error and neither Transunion or the original creditor has provided any legal contract proving that this is my account was authorized by 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 explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these ITEMS 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 ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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

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 2023-07-11
Company: EQUIFAX, INC.
State: MN
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 letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXX Loan Account using my personal information and identity. I never applied for any loan or account with XXXX Loan Services. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation