BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello on several occasions I reached out to comenity bank in reference to the account that they were reporting on my credit file in reference to XXXX XXXX. On Several Occasions I asked them to Validate that the debt was mine and that I was in fact the person that they were looking for the only response that I received from Comenity Bank was that the account had been sold to XXXX XXXX XXXX when I contacted them they say that they have no account listed for me with thier company so why can't comenity bank Validate the account if they are the data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
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 Accounts with XXXX XXXX ( account # ending in XXXX Shows a late payment in XXXX of XXXX. Bloomingdales ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

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

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-04-28
Company: EQUIFAX, INC.
State: MS
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:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX  XXXX Balance : {$5300.00}, XXXX XXXX  XXXX Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Im very disappointed that Bank of America has charged me multiple times on the same fee for NSF. I thought they were sued over this issue and agreed to pay millions over the unfair multiple fees associated with the same NSF charge. Bank of America has charged me 3 fees for the same NSF because they keep trying to put the payment through. I want the CFPB to know that they are still changing unfair fees and keep putting the same payment through then charging ANOTHER fee

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I XXXX, XXXX XXXX XXXX FOR XXXX XXXX XXXX, beneficiary ( XX/XX/2023 ) have placed numerous complaints with TRANSUNION through the CFPB about the inaccurate reporting of non public information. The continuous sharing of inaccurate, non public information without my expressed written consent of my consumer credit report has been ruining my reputation and is identity theft. The information being reporting is not relating to any transaction made by the consumer. 

Please See Attached Documents

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 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From XXXX XXXX, XXXX  to present my identity was looked up 94 times. Experian says they have submitted reports to remove the exposures- it has been more than 45 days and only 3 have been removed from the sites. 


Unauthorized Inquiries are showing on my credit from : XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit with these corporations and needs to remove these inquiries from my credit report - I did not give them permission to send my credit to these companies. Instead of removing the inquiries XXXX XXXX of XXXX XXXX denied wrongdoing and threatened me. 


There is Dark Web Compromised Information Found From Websites and I was never compensated : thecreditpros.com - put my SSN on dark web XXXX  - breach occurred in XXXX, XXXX  - never compensated me for damages chegg.com - breach occurred in XXXX, XXXX, XX/XX/XXXXXXXX  with my old XXXX email poshmark.com - Date : XX/XX/XXXXXXXX  with my old XXXX email chronicle.com - Date : XX/XX/XXXXXXXX  with my old email : XXXX homechef.com - Date : XX/XX/XXXXXXXX  with my old email XXXX myfitnesspal.com - breach occurred in XXXX, XXXX and XX/XX/XXXXXXXX  with my old email : XXXX gonitro.com, Date : XX/XX/XXXXXXXX  with my old email : XXXX I am NOT related to any XXXX- that is my XXXX XXXX, dishonorable XXXX, XXXX XXXX XXXX I am NOT related to any XXXX- that is XXXX XXXX XXXX ( XXXX  ) XXXX XXXX I am NOT related to dishonorable XXXX, XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX dishonorable XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX is my, XXXX, XXXX, half cousin who should not be looking up my information at all I am NOT related to XXXX or XXXX - don't even know anyone with these last names Several times I have put in request to have my information deleted from : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and it keeps showing back up on their sites ( Disrespectful and illegal ) I have been dealing with RICO practices- with threats to me and my children 's life Duty The agent had a duty of care towards others Breach of Duty The agent failed to live up to the duty of reasonable care Causation The breach of the duty of care is the cause Damages the victim ( myself and children ) suffered damages.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to TransUnion and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: IL
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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

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 2023-06-14
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
There are insurance that I've been paying for since 2020. i requested paperwork, to review. The company is being very aggressive, rude and harassing about payments. Unnecessary aggression over the phone. The payment isn't even due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: GUIDANCE RESIDENTIAL, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX, I thought I have finished submitting all documents needed for my refinancing request. 

My interest rate right now is XXXX. 

My loan officer informed me that the process wouldnt be as exhaustive as the initial one. 
When I first submitted my first request to purchase a house for the first time in my life, I was making about XXXX. XXXX XXXX and XXXX XXXX dollars net a month. They were the sum of my social security income and a state pension. 

I was approved, so I thought now that I am working as a XXXX  XXXX  making about XXXX XXXX dollars a month would make my refinancing request even easier. 

My credit score at the time of my request was XXXX. 

On XX/XX/XXXX, I received a message from Guidance residential, notifying me that my application has been conditionally approved. 

I started communicating with my loan officer XXXX . 

XXXX XXXX, whom I told that I am not pleased with the company asking for more documents. He informed me to Waite. On XX/XX/XXXX he requested some clarification regarding a specific credit card which has about XXXX in balance. 
I submitted what he requested. 

However on XX/XX/XXXX, he informed me per a phone conversation that the company determined that I have not been working for two years and my debt is too much and unless I pay the whole card off, my request wont be approved!. 

I tried to explain to XXXX XXXX that when I first applied for a mortgage through their company I wasnt working with this security company and they know that, so it doesnt make sense to base a denial decision on it, and also my credit score is good, I have never missed a payment to them or to any of my credit cards. 

But that wouldnt change their mind. Then I requested some information that shows the laws and legal procedures regarding this issue and the criteria by which a denial or approval can be determined, so that I can see where are my shortcomings. 

In response to my request, XXXX XXXX, emailed me some thing that say to the effect that its mandatory to work more than 12 months so its not two years as he informed me. 

I asked XXXX XXXX if I work until I pass the 12 months required, would I be able to apply again. 

He didnt answer my email nor my phone message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Navient Solutions, LLC.
State: MO
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:
I logged in to my Navient account after receiving a new payment coupon book this week of XX/XX/2019. Within my online account I saw that Navient had applied a forbearance to my account that I did not submit an application for, and it was a " disaster '' forbearance. I have not experienced a disaster. Navient said they would provide a response within 2 business days, but they have not responded. Navient also applied my XXXX payment to " capitalized interest '' instead of the monthly payment due for XX/XX/2019. In addition, within the new coupon book my payments were lowered but there is no explanation for why. Based on past difficulties with this company I am afraid to pay the lower amount in case it is another error and then they will say my " full '' payments were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: CA
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 account does not belong to me. This is a fraudulent account. As you can see, on the credit reports my name is incorrect and addresses shows in other states, Alabama and Utah. No product was given. No signature was given. I XXXX reported the account 5 years later. No contact was made. I recently wrote a letter directly to XXXX with no response and they added a balance update as of XX/XX/2023 and still no documentation was proven. The account must be deleted from all ( 3 ) credit reports

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 2021-06-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have received letters/emails from several companies stating that they have denied my application.

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXXXXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.

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 2021-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I went to the JPMorgan Chase Bank branch at XXXX XXXX, in XXXX zip code XXXX, to complete the transfer of funds from the decedent account of my mother to an estate account for her assets, as I was appointed by Surrogate 's Court of the State of New York XXXX  County as voluntary administrator of my mother 's estate, and upon presentation yesterday of the court issued certificate for permission to open an estate account in NY and a letter of confirmation from the IRS of the new EIN, a new estate account was created but I was told the bank puts a hold that takes a few hours to clear, so that today I went back to this branch to have the funds transferred into the new account, as wherein a certificate states " JP Morgan Chase Bank - RELEASE DECEDENT 'S FUNDS '', and a personal banking representative went to a teller to present slips for withdrawal from the decedent account and deposit to the estate account then said that the teller sent a texted code to the cell phone number, which in the bank 's file as my contact number and when I said that I don't have my cell phone with me now, she went back to the teller who delayed me for 30 minutes doing whatever she was until I went to the window and asked her why is this transaction taking this long, she then handed the slips to me and said the transaction can not be processed unless I give the code that was texted. I said that I believe it is illegal for the bank to require an estate administrator to own a cell phone in order release the funds. She said that she can not do the transfer because the bank 's system does not let her do so without the texted code. I went back to my home to get my cell phone and saw that the text message from the bank had been sent 44 minutes earlier and said the code is good for 10 minutes. I returned to the bank and the teller processed the transactions without asking for the code or sending a new code to my phone. She said because I clicked the text it could be processed. I had clicked on the text while in my home, she did not see me do that. That is not effective security either as the phone could be lost and it was unknown to her who clicked the text. 
I ask this agency to investigate as to whether it is illegal for a bank to impede the release of funds to an estate administrator by imposing a requirement that an estate administrator must additionally own a cell phone and /or have a cell phone in working order, and /or cause delay to an administrator to have to retrieve a cell phone.

I ask this office to investigate as to whether it is illegal that the bank represents that it uses a texted code as required security but does not require the cell phone owner to recite the code and uses the code which is expired to process the transaction, based on that someone who is outside of the bank representative 's sight clicked the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: GA
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 following accounts on my consumer file is due to identity theft and needs to be removed and blocked on all three credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX XXXX I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XX/XX/XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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