BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-08-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX thought Pncbank was down finally realizing on XX/XX/XXXX that it said my account was revoked. Called and they stated bc I had logged in areas not normal for me they had revoked my online banking. I had been on vacation XXXX and also had given travel notice. Finally got account reinstated with out having to recreate a new one. Then find out all my bill pay is revoked. Call again they were rude says it will be at least XXXX businesses days which means XX/XX/XXXX until I can use again making bills late. They refuse to transfer or give my info on policy. No contact was made just revoked my account. Very poor business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX, XXXX my wife was approved for a new car loan from JP Morgan Chase, of which I am the co barrower. Ach payments were set up to have been automatically withdrawn from our joint XXXX XXXX checking account by my wife, in order to never be delinquent on the new car loan from JP Morgan Chase. Chase did in fact receive the payment for XX/XX/XXXX from XXXX XXXX without any problem. However the payments for XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, once issued by XXXX XXXX, and received by Chase Bank was not accepted by Chase, and without any notification, nor explanation, the payments for the above stated months were all returned to XXXX XXXX! This error which has been caused by Chase, currently appears on both my wife 's credit, as well as my own, which has adversely effected our credit score! My wife 's credit score was over XXXX points, and my score was over XXXX points. We now are being punished for a problem that was caused by Chase, and not by my wife, and I. Almost all of our credit cards have been reduced to {$500.00} because of the appearance of being delinquent which has been reported on the credit reports. And our ability to obtain any personal loans, have been impossible to obtain, again because of what Chase has reported to the credit companies. I have tried several times to resolve this issue with Chase, by having 3 way phone conversations between XXXX XXXXXXXX XXXX JP Morgan Chase Bank, and myself, but to no avail. Representatives from Chase have even told me that if I could provide documented proof of their error, they would in turn contact the 3 major credit companies with the updated and correct information, and that they would have the report of delinquency removed from my wife, and my credit report. and after I have gone into a Chase branch office, and provided them with photographic proof of Chase Bank 's error twice, this promise has not been fulfilled. Please note, that once I became aware of these actions caused by Chase Bank... I paid the account out of my Chase checking account in XXXX of XXXX, which brought the account to the status of current, and it has been current since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: LOBEL FINANCIAL CORPORATION
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:
The company is a scam. You put XXXX down and it doesnt reflect monthly pay or nothing. Car didnt work the first week. Didnt start up nothing. If you check there reviews, every customer is unhappy. This is fraud, and need to be further investigated. I need this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was denied credit based on Experian credit comments. I contacted the number on the denial letter and was unable to get a live agent or my credit report without paying. My understanding is that Experian would provide a free credit report and explanation. I am unable to contact them. I spoke with XXXX regarding my report and they said it was good with no delinquencies, same for XXXX. 
However, Experian has a much lower credit score and claims I have several delinquencies which is incorrect. Their incorrect report resulted in two denials of credit.

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 2023-10-09
Company: WELLS FARGO & COMPANY
State: SD
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:
Wells Fargo Escalation Department, Still see no refund from unauthorized payments from this company. This company has sent our 45 letters showing " confirmation of single electronic payment '' so they can be refund me cfpb from well fargo departments. This XXXX XXXX, XX/XX/XXXX, I never spoke to on any case # XXXX, XXXX, or a XXXX XXXX XXXX, so many people at this company don't know how help or understand the situation! My bank is getting upset with this companies mistake. So start taking responsibility wells fargo.

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 2023-09-25
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My fedaral loan servicer is nelnet. I have paid {$1500.00} on XXXX XXXX. The payment should have been posted on XXXX XXXX. Today is XXXX XXXX and it still have not been posted and shows payment is processing. 

In the meantime I am getting interest accurated on the previous amount. This is violation of their payment processing policy. 

Not only me, a lot of other people are being cheated out of giving more interest. Please check out how they are making borrower 's pay more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered some information was erroneous. The 3 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 items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to file a formal complaint regarding inaccurate information on my credit report maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following inaccuracies in my credit report. Despite the passage of time, TransUnion has failed to respond to my inquiry. Enclosed are the details of the erroneous information and the necessary corrections : Account Not Late XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Description : The account in question was never late. Please correct/update this inaccurate information on my credit report. 

Account Not Mine - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Description : The account in question does not belong to me. Please remove it from my credit report. 

Account Not Mine - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Description : The account in question does not belong to me. Please remove it from 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NY
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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NH
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-21 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION if the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MO
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 express my urgent concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the removal of these fraudulent items to prevent further damage to my financial standing. 

Despite submitting disputes, the fraudulent items on my credit report persist, causing considerable stress and negatively impacting my creditworthiness. 

I have attached supporting documentation, including police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

Understanding the crucial role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am urgently requesting your intervention to expedite the removal of these fraudulent items. 

Given the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and necessary steps are taken to ensure their swift removal from my credit report. 

Timely resolution is of utmost importance, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, GA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attached is the Ally Bank 24-7 Chat transcript as evidence to substantiate my complaint. Today, I had approximately 30 minutes of my time wasted when I was refused assistance and answers pertaining to unlocking my bank account for my routine banking purposes. 

I was provided with insufficient information and ordered to call back during limited hours, contradictory to the " 24-7 customer service '' repeatedly advertised by this bank. I am now unable to access my funds and engage in routine banking. 

I have also called the " 24-7 '' Ally Bank phone number twice now, and no one is answering the phone lines at all. I am placed on an indefinite hold, and no one ever answers. 

I was misled by an Ally Bank representative earlier in the day when I was told that I could lock and unlock my bank account following a wire fraud alert earlier that day.

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 2023-11-09
Company: ALLY FINANCIAL INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off an automobile loan in XX/XX/2023 and it is still on my credit report. I have called them numerous times and every time they would say they would take care of it and it should be off in about 5 days. Today they told me they dont do that. I have to contact them myself. I have the receipts and a letter saying its paid off but still on my credit report. Still affecting my XXXX XXXX and causing me to delay getting a house.

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