BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXXand 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.

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 2022-11-28
Company: EQUIFAX, 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. 
XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 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 reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 originally had a dispute with Transunion & XXXX  I sent my initail letter on XX/XX/2021 asking them to comply with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), informed them they are required by federal law to verify, through the physical verification of the original signed consumer contract, and respond within 30 days. They did not respond to me within 30 days of physical mail. I then sent a follow up letter XX/XX/2021. Both letter I sent had copies of my FTC report showing I was effected by the XXXX  Data Breach. Also I disputed with XXXX and they deleted all disputes and the same disputes as transunion. All information should look the same throughout all credit bureaus

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 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MS
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:
15 U.S. Code $ 1681c-2 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!

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 2022-02-17
Company: ARC Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me, refused to identify themselves, could not find the number that they texted to be associated with any accounts, refused to state their business. I had to search the number on the internet to learn who they were.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got my debit card hacked and two transactions went through on XX/XX/2023, one of {$84.00} and the other {$84.00} for a total of {$160.00}. The vendor was a XXXX in Arizona. I am a Massachusetts resident. 

I let Bank of America know on XX/XX/2023 when I saw the pending transactions. They opened two claims XXXX and XXXX, both for the total of {$160.00}. 

Two packages from XXXX arrived at my house in XXXX and I let my parents know they were not ordered by me and asked them to hold onto them while this claim was being processed. But in XXXX my sister accidentally opened thinking they were ordered by me and found two screen protectors. 

The claim papers arrived at my house yesterday ( XX/XX/2023 ) saying the claim of {$160.00} was rejected because they claimed that the transactions were made by me or someone authorized to use my debit card and that I would be charged. 

I saw on the claim papers that the transactions were made by someone using my name, debit card number, and address ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX MA ). But they used a different email and phone number ( XXXX, XXXX ). The order ID was XXXX and the case number was XXXX. 

However, the claim papers showed the two transactions totaled {$84.00} for two screen protectors of {$39.00} plus a tax of {$2.00} for each. 

I understand I have to pay {$84.00} because those items arrived at my house and was opened. 

However, I do not know what the other {$84.00} charge is for and why its claim was rejected and will be charged to my 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 2021-01-07
Company: EQUIFAX, INC.
State: TN
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:
My issues are with Equifax. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Equifax credit score. 
00039 Serious delinquency Note : According to Equifax reporting on XXXX XXXX, " You have a stellar payment history! 100 % '' 00010 Ratio of balance to limit on bank revolving or other rev accts too high Note : According to Equifax reporting on XXXX XXXX, " You aren't using too much of your credit card limits. 1 % used. '' 00014 Length of time accounts have been established Note : According to Equifax reporting on XXXX XXXX, " Your oldest account is 4 years, 7 months old. Your credit history looks pretty new. '' 00006 Too many consumer finance company accounts Note : According to Equifax reporting on XXXX XXXX, " There's a solid number of accounts on your report. You have XXXX. '' Note : There is a XXXX XXXX XXXX XXXX account which I have strenuously disputed for a number of years under closed accounts. That account is due to fall off the Equifax credit report this year. I am requesting the account be eliminated from my Equifax Credit report and a rapid recalculation occur using accurate and updated reporting. 
Note : I previously sent Equifax legal court documents reflecting my name, XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX and all derivatives be stricken from my credit report. No one is reporting credit activity under XXXX XXXX XXXX or derivative and the name should be permanently stricken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2023 i was told that someone had empty my balance on my bank of america card and made a claim on the funds. The funds were stolen by someone and that same person tried making a claim on the money. So calling in i tried to figure where my card was and found all this out. Its been 45 days since the claim has been filed and nothing has been resolved. Please help

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 2022-10-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is with NAVIENT. My loan started with Sallie Mae then later NAVIENT. XXXX XXXX XXXX XXXX XXXX and Told me to get an XXXX Loan I had to get another loan after XXXX XXXX extended my course curriculum. I didn't have enough to cover the extended courses which they said was required to complete my degree. The courses took six months to complete. They said I could get an XXXX loan to cover the additional expenses which I did in order to complete my courses and graduate. I graduated with a XXXX XXXX XXXX in XXXX. When I graduated, I owed {$90000.00}. In student loan debt. I was told it would be about {$60000.00}. When I enrolled. I am glad I completed my education, but I don't think I was fairly charged. XXXX used aggressive marketing and high-pressured sales tactics to falsely convince students they will have a successful career. Now Navient is forcing me to pay. The loan was for {$11000.00}. and to date, I have paid them more than {$14000.00}. Navient was sued and court ordered to forgive the loans from predatory for-profit schools but they are not doing that for my loans. 

According to the class-action law suit " Navient allegedly made these risky subprime loans as an inducement to get schools to use Navient as a preferred lender for highly-profitable federal and prime private loans, without regard. XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, OPENED XX/XX/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 2023-04-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank acquired my home mortgage from XXXX XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX, PNC sent me notice of their intent to withhold a 2 month cushion in my voluntary escrow account for property taxes. My original morgage documents agreed on {$0.00} cushion and terms that my escrow payments could only increase if actual property taxes increased. Homeowners insurance is not a factor as I pay that outside of escrow as originally agreed to. Further, my property taxes are frozen regardless of appraised value due to my over XXXX homestead exemption in Texas. I sent all of this documentation to PNC and received a response that the 2 month cushion is their policy with no regard to the terms of the loan they acquired. I then asked PNC to close my escrow account, which was voluntary for concvenience on my part, and return all my escrow deposits to me. PNC then resonded with an outragious fee of {$680.00} to close the account which currently contains about {$1500.00}. I am not receiving any interest on these escrow funds and I don't beleive PNC has the right to charge any fee, let alone this rediculous amount. All of the documents reference here are attached for review. PNC customer service address and phone : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: KY
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-06-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid 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:
Chase credit card dispute in the amount of {$2400.00}. I disputed XXXX XXXXXXXX / XXXX XXXX charges with Chase dispute department that took place over a few days in XXXX XXXX I am disputing these charges as I cancelled in the proper timeframe and should be fully refunded. Chase dispute department did not perform a full investigation which would include recorded conversations with the XXXX XXXX XXXX XXXX They also failed to provide dates and times on the attached documents they sent me ( attached for your review ). 

When I spoke with an XXXX agent ( XXXX - XX/XX/XXXX ) at XXXX he told me the following : Case XXXX XXXXXXXX {$2400.00} this amount was refunded Date of travel for this case is XXXX XXXX XXXX Case XXXX XXXXXXXX {$1700.00} This is still pending in Accounting department of XXXX. No one was able to provide any update on this for me. 

When I spoke with Chase and asked what is the difference between Transaction Amount and Merchant Amount they weren't able to explain to me why there is a difference in amount. The case numbers that are in the attached - mailed by Chase do not match the case numbers that I noted above after speaking directly with XXXX XX/XX/XXXX. I am requesting the CFPBs assistance in recovering {$2400.00} owed based on my credit card statement. It seems XXXX charged me more than what XXXX charged. 

Thank you for your assistance! 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax portal to log into personal account to check status does not allow for login or creation of account for personal use, access to credit reports. I have requested this air in their system be corrected on multiple occasions over multiple months with no results always ending with the same closing of the complaint and requesting identification documents emailed. Documents were mailed mini months ago and confirmed by Equifax as being received and legible, no effect on updating my account problems. In the past I was able to log into my previously created account which they said they had to delete and start over again to fix the problem. They attempted to complete the registration process on their end for me and failed, escalating to the next investigation team. Currently if I try to login to my Equifax account, I get an error that I'm entering the wrong password. If I do a password help reset, the air says the account does not exist. If I try to open a new account it says the account already exists and I should login. This is an endless loop of nowhere and they've received all information required by me long ago. Then simply request it again and close my case. To square one with nothing functioning correctly for a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: DE
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX 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