BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After careful review of my Credit Report the following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

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 2023-05-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have 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 end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have made many many requests to Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) to supply the VALID and COMPLETED permissible permission used to access my credit report in XX/XX/2017. I can not tell these two professional companies that once I receive this document I can prove the loan was fraudulent. I can't say this because Experian takes off in another direction regarding fraud and XXXX sends me a letter requesting more of my personal information to investigate fraud when they never had the right to receive my personal information what they currently have. This is a simple request and I am not speaking another language. Perhaps I am speaking to a foreign country that can not understand a simple request but would rather push a button for a programmed response..

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and noticed unauthorized inquiries that do not belong to me. Below Ive listed the inquiries and attached an affidavit from FTC XXXX XXXXXXXX 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 2023-05-15
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:
I have sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: TX
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 did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax reported to XXXX XXXX that my credit score was below XXXX when actually my credit score is XXXX. Because of their error, I had to put up a deposit in order to open electrical service. I would have not needed to put up a deposit. I called Equifax and they said " no problem with your account '' but would not explain WHY they lied about my credit score. I need to know why. It costs consumer money because of errors reporting the wrong scores or is this done on purpose?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IL
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 did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: HI
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 XXXXCITIBANK Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for Citi Bank failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about Citi Bank failing to report inaccurate information for my behalf being a user with them since XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against 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 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX had an OPEN LETTER OF CREDIT account, BY ACCORD & SATISFACTION with Bank of America, and which XXXX XXXX XXXX XXXX. CORPORATION CEO issues Signature Dollars in United States Currency Notes, that Float freely, that are EXCHANGED INTO THE FEDERAL RESERVE PROMISSORY NOTE CREDIT, to XXXX Balance account of any Debt/Debit but Bank of America, act not in Honor of my qualified Signature upon their Application to lay on my Signature Dollars in United States Currency Notes, that are swapped into Federal Reserve Promissory Note to Settle any Debt/ or Debit of my Dollars in United States Currency Note. I mandate that Bank of America honor the Closed Account debiting and crediting sum totals to XXXX Balance any Account from the ISSUING OF SIGNATURE DOLLARS IN UNITED STATES CURRENCY THROUGH THE CLOSED ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: TX
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$140.00} XXXXXXXX XXXX XXXX Balance XXXX {$130.00} XXXX XXXXXXXX Balance : {$57.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$490.00} XXXX & XXXX XXXX XXXX : {$780.00} XXXX & XXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IL
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 did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AMERICAN EXPRESS COMPANY
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, this is in regaurd to expierian. I 've struggled with XXXX my whole life and my majority of derogatory marks and accounts in collection are a result of that. Additionally expierians accounts in collections differ in company ownership from one bureau to the next. That said I am a firm believer of holding one accountable for their actions. But these records from XXXX to XXXX were during a time I was fighting major XXXX ranging from XXXX. I 've struggled with XXXX for as long as I can remember in childhood. None the less I have since XXXX XXXX regained control XXXX and turned my life completely around at XXXX with XXXX helping. I 've been employed for almost 2 years now and since my first job at XXXX never worked longer than 3 months. I 'm motivated, passionate and optimistic of my families future but the weight from my problems yesterday are hindering me of today 's true potential. All thing 's considered not to mention having documentation of said woes, hospitalizations, psychiatry, medication ect. I 'm asking for a second chance and strongly believe I deserve XXXX through XXXX negativity and collection be forgivin. As well as any coinciding information as a result of illness.

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 2022-12-15
Company: Alorica Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with XXXX. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX XXXX, I received an email from XXXX stating my account would no longer be serviced by XXXX XXXX  and that SST would be taking over. After making my payments of {$60.00} every two weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and SST is holding up the process. I have received several different responses to my inquires from SST, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with XXXX. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between XXXX XXXX and SST, they need to figure out a better way to get customers what's owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: NAVY FEDERAL CREDIT UNION
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover credit Card XXXX is calling my job about a credit card in my sons name. my son contacted discover and told them someone got a hold of his credit card and to close his account. at the time he had only two cards one XXXX XXXX and one discover. XXXX  closed his account investigated and concluded charges were not made by my son. my son has not applied for nor does he have any credit cards after this incident he said he never wants anymore credit cards he got the cards to help pay for his school books. discover has found my information and repeatedly calls my job. i have told them seveal times it it not my card and do not call my job, they continue to do so. the number they are calling from is a number you can not call back the number is XXXX they call my job every day evern saturday and sunday and its now become harrassment and i want it to stop and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern : This is one of many problems with JP Morgan Chase. I have been with them for decades. Including my family. They took it upon themselves to close my Checking account and savings account that is also linked to a joint Checking and savings account with my mother. The branch that knows about all of this doesn't have access to any information. They have tried to call telephone numbers and I have tried to call telephone numbers and there is zero response. In turn this has affected my credit cards with JP Morgan Chase because I can't speak to anyone and everyone at the branch has been laid off. Therefore no one has any access to any information. I am not sure if there is fraud or something done in a malignant way to me. It has affected my credit with XXXX and the credit services. I have no idea what happened but someone did threaten me to close my accounts at JP Morgan Chase but she was unable to do anything according to what I was told. She had no explanation other than she is no longer with the branch and was either let go or is somewhere else. Regardless I don't know what to do and I am desperate. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Telephone representatives that represent Synchrony Bank ( XXXX XXXX ) are refusing to give me access to my XXXX XXXX account so that I can make payments. After becoming ill ( and having to miss work for a time ) they locked my on-line account, and claimed a charge-off. I had already signed a prior contract to make payments of {$50.00} a month until the amount was paid off or caught up ; so they broke the contract, locked me out of my account; and as a result, my credit score is being negatively affected. I wish to have the account unblocked so that I can continue to get the account to a current state. They are engaged in unfair business practices.One should not have to argue to make payments on ones own account. The account is still active when they are claiming it's not. When I attempted to make a new account I received the message that I couldn't because their was already an account with my information. So they are actively lying. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: National Credit Services, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I have been making small payments to my defaulted student loan though XXXX since XX/XX/XXXX and wanted to repay in full the existing balance. Up until today XX/XX/XXXX the website showed that my balance was XXXX ( XXXX principal XXXX interest ) The last time I logged in before today was Saturday XX/XX/XXXX. Since XX/XX/XXXX there is a new field " Projected PCA Fee '' in the balance spreadsheet on myeddebt.ed.gov that was not there before today. I have a screenshot from XX/XX/XXXX of how the website looked, the presentation from a year ago has changed and it is apparent that the " Projected PCA Fee '' was not included in the balance. The " Projected PCA Fee '' disputed is for XXXX. My issue is that this fee was not stated before and in order to repay the loan amount through the website I would have to pay this fee that appeared without prior notice. When I called the collections agency " National Credit Services '' of XXXX, WA today, they said I would have to pay this fee to satisfy the amount but I was not made aware of it through the government website myeddebt.ed.gov until I logged in today. They also stated that the last mail they sent that would have this information was sent in XXXX. By the end of the call, the offered to " start a settlement '' and that the loan would still not be considered " paid in full '' I ended the call without starting the settlement. I have included two screenshots, one of the old format of displaying the balance from XX/XX/XXXX and one from today with the " Projected PCA Fee '' included in the matrix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have contacted XXXX, Transunion and XXXX via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also Transunion will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.

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