BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: AZ
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 Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

CHILD SUPP Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX, has violated my rights. 

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

15 USC 1682 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 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 2023-07-25
Company: EQUIFAX, 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: 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 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 age
ncy 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan with Speedy Cash for {$2500.00} on XX/XX/XXXX of XXXX. I made the following payments XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$12.00} XXXX - {$740.00} XX/XX/XXXX - {$12.00} For a total of {$2200.00} dollars in payments. With the Covid-19 virus and XXXX kids in college I was not able to keep up the {$740.00} so this account went to collections with XXXX XXXX XXXX XXXX XXXX. The total that they claim that I owe is {$5800.00} for a loan that started at {$2500.00} and after making {$2200.00}. This is definitely predatory lending with outrageous fees and interest rates. I called XXXX XXXX and asked for a settlement however they said that I would have to pay {$4400.00}. There needs to be a fair settlement that both sides can agree too. At this rate I will be pay {$8100.00}. This is an 800 % interest and this should never be allowed with any company. I am willing to make a {$2000.00} payment and be done with this account. Another {$5800.00} is predatory lending and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of phone fraud on XX/XX/2022. I received a voicemail from a person I was lead to believe was a Lt from the XXXX XXXX XXXX department stating that I missed a court date and I was called as an expert witness ( I'm a XXXX XXXX  ). They stated that there was a subpoena sent to my old address ( which they provided me ) and it was signed for. Since I missed this court date the judge issued 2 bench warrants ( and they provided me with the case numbers ). I was given the option to pay my " bail '' which was set to {$9000.00} and then head to the Sheriff department to verify the signature was not mine. If I did not pay the bill before I headed over, I was to be arrested for a 72 hour hold. Again, I'm an XXXX and work for a government agency and had patients to care for so I could not be arrested. I said I will try to pay. I was advised to send {$2000.00} now via XXXX to the FBI bond XXXX, I asked the name before I sent, and they said XXXX XXXX XXXX. I did as told and then spent the next XXXX hours with the man on the phone procuring more money. Once they asked me to turn it into XXXX, I knew it was a scam. They were very convincing. I called Ally bank right away to dispute this charge. They sent a letter to me stating that " the disputed transaction is considered authorized because : the disputed transaction was completed with a merchant with whom you have an established relationship. '' I have asked for further paperwork to understand their decision. I also filed a police report with XXXX XXXX police - report 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
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reviewed my credit report and saw a bankruptcy on my report. I disputed this as inaccurate information and asked for proof of confirmation which I never received. I have never filed bankruptcy and never lived in SC. I am the victim of identity theft and had fraud alerts placed on my report. I have disputed this countless times to no avail and this is causing me financial stress and hardship. I disputed and had removed from other bureaus but Experian and XXXX  is still reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
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 2022-12-22
Company: Experian Information Solutions Inc.
State: SC
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:
Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$580.00} XXXX XXXX {$18000.00} XXXX XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX {$810.00}

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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. 1681c-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 2021-04-19
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received debit card and account opened letters in mail from PNC Bank in my name. I did not open any accounts at PNC Bank. Debit card received Friday, XX/XX/2021. Received " Thank You for opening '' letter for three accounts that weekend. Called PNC Friday re : the debit card and they completed a form and stated I'd get a call from fraud team within 24 hours. Did not receive call. Called again Monday re : the letter and the three accounts and was told a search would find all accounts opened in my name and close them out. Received confirmation letters dtd XX/XX/2021 that the three accounts were closed. Also placed fraud alert with credit reporting agencies on XX/XX/2021 & today filed police report with XXXX XXXX Police Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXXXXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20, my wife and I applied for a mortgage with Chase. Our combined credit score is XXXX each. We entered our income and home information up front. 
{$230000.00} home value with {$210000.00} financed. We have income at {$110000.00} per year and low debt. We qualify for the loan. Even knowing this information Chase proceeded to pull our credit and proceed with the application even though they are now refusing any non 20 % down loans. Knowing they are only taking 20 % loans they should have stopped the application immediately. Instead a hard credit was pulled on my wife and myself for a loan Chase doesnt even offer. 
Why is chase the only bank not offering other loans? 
Why are they wasting my time if we dont qualify? 
Why was my credit pulled if we dont qualify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I received a phone call from a lady saying she was from there fraud department and that I had a block on my net spend card I was asked several questions and then she said she removed the block that was at XXXX XXXX  Nevada time then at XXXX XXXX  I went to make a purchase and I got notification that XXXX XXXX dollars was transferred out of my account by me to me I never did that transfer or authorize it I immediately called the net spend card reporting fraud they sent me knew card and I sent in police report fcc report any reports I could send to prove fraud was committed I waited 14 days only for them to say it was my fault and then they closed my knew netspend account and said Im to much of a risk to bank with them I feel this is unfair how I was treated by this company this company automatically assume that there customer is to blameXXXX this was my reference number they gave me please help 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 2023-05-30
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The bill for {$2600.00} being placed in collection by Phoenix Financial Services is not mine and have advised them of the fact. I have been a victim of identity theft and have requested that they provide proof that this bill is verified as my billing against me. The company has ignored my request and continues to place a negative notation against my credit report. The matter has remained open since XX/XX/2023. 

There is no proof of such a billing for services being provided and am requesting that this be immediately removed from my credit report. 

PHOENIX FINANCIAL SERV Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX, I selected Rocket Mortgage to process my loan based solely on XXXX percent of the loan that would be credited toward closing as advertised on their website. This was confirmed by my XXXX XXXX XXXX XXXX. I followed all the rules ; and I used a subpar Rocket Mortgage-authorized realtor per the requirements of the promotion. 

When I found a home, I thought the hard part was overthat was when Rocket Mortgage 's loan process became the main character. The representatives and the system supporting the loan progress were excellent for most of the process. My primary contact XXXX was professional and would reach out to me anytime she had a question, and all issues seemed to be quickly resolved. I felt the process was working until I finally got my pre-closing document and noticed that the 1.5 percent from Rocket was not listed. XXXX told me it would be on the final document. The closing document came, and it still wasn't listed. I was then told I " got a better deal '' ; the credit was used to buy down the loan. No points were listed in the closing agreement, and XXXX XXXX, when I locked the rate, there were XXXX points. I reviewed the document, and saw no points, or a decrease in the cost of the loan, and again pointed out that it was not the agreement. 

I was passed around only to find out that no one could tell me where the 1.5 percent was credited in the process, but all resources at Rocket insisted that I got a better deal.

A better deal can be explained, and NO one could do that. A better deal should be agreed upon, and until the last minute, no one told me that Rocket was not going to honor its promotion. I have no choice but to sign the loan because this was communicated within three days of closing, and I would need more time to get a new loan with another funder. 

This was a Bait and Switch, plain and simple. 

Rocket Mortgage should fulfill its commitment and refund the 1.5 % of the loan amount since it was not credited to closing as agreed upon to reverse this bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have call them multiple times trying to get on lower repayment they say I've exhausted everything I can't even get them forgiven or removed as XXXX XXXX has gone bankrupt I can't use my degree because of that financially I'm struggling hive gone from the possibility of working in a good career to working retail or food service for minimum wage hours are constantly being caught I'm struggling with my own debts and bills and it's tough making ends meet their inflexible I've had to cuss them out to get anywhere I've had to threaten them with lawsuits or things like that I just want some debt relief I don't wan na be having to pay these for the next 8years as im barley getting by.

Company response to consumer: Closed with explanation