BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MN
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:
According to the fair credit reporting act when i notice incorrect information on my credit i have the right to dispute. I have disputed multiple accounts on my credit report and they keep saying the accuracy is correct. I have no knowledge of these accounts and did not sign or have any loan or credit with these companies. 
( 1 ) XXXX XXXX-opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 2 ) XXXX XXXX  XXXX  opened XX/XX/XXXX. This was not me i have no knowledge of this account. 
( 3 ) XXXX XXXX XXXX XXXX  opened XX/XX/XXXX. I have no knowledge if this account this was not me. 
( 4 ) XXXX XXXX XXXX  opened XX/XX/XXXX. I have no knowledge of this account this was not me. 
( 5 ) XXXX XXXX XXXX opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account. This was not me. 
( 7 ) XXXX XXXX  opened XX/XX/XXXX i have no knowledge of this account this was not me. 
( 8 ) hard inquirys from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are many others that i have listed in the attatched images/files below. The only inquiry that i have knowledge about is XXXX XXXX i have a refinaced loan through them im still paying payments on. The reat of the account and the inquiries i have listed and attatched to this complaint i have no knowledge of and i am claiming identity theft/fraud. I hope that you are able to get these items removed off of 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 2020-04-04
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had opened BBVA checking and savings account during XX/XX/2020. 
No where I have been told how to setup the e-statement. Website is also not user friendly or intuitive so that i can figure that out. I tried calling them but they have very restrictive hours or very long wait time. 
I was not even aware of the fact that i have paper statement and the bank charges for that. During end of XX/XX/2020 - BBVA charged me {$3.00} fees for the paper statement.

I wrote to them about it and asked them to waive it. 
I have some how setup the e-statements now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2023-06-13
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
After an in depth financial review at XXXX XXXX XXXX I found out that since XX/XX/2020, Credit Karma has been charging me $ XXXX {$250.00} twice monthly, totaling {$11000.00}. 
Credit Karma issued XXXX refunds totaling {$4000.00} back in XXXX, leaving me paying {$7700.00}. Ive attached a picture of the charges by date, amount and confirmation number. 

This is a service that shouldve been free according to my accountant. 

Credit Karmas own records will demonstrate that I have never accessed this account except to figure out why I was being charged these fees and to close the account. The company also doesnt have a phone number or email address to request refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have sent the company Experian and email twice within the last 3 months requesting to cancel my membership with them. I have not received a response from them and they continue top charge my card for said membership. I've tried contacting them through their phone number and as of XXXX XX/XX/2020 i am still on hold. It is almost XXXX on the same day. This is absolutely frustrating, they don't want to help you. They don't have a way to cancel your membership yourself so you are forced to call them and wait long hours just to get to a human. I am fed up with this company and will NEVER recommend them to ANYONE.

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 2020-09-24
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I fell behind on my loan due to employment and COVID starting XX/XX/2020. I have recently made two payments but the company has called me every day possible since XXXX. I have told them several times that this behavior is harassment and will not help them get their money fast. Yet, they call me multiple times every day. They are a harassing faction and should be punished. Their number is 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 2022-04-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested an escrow analysis for my mortgage with customer service for Chase XXXX XXXX. They told me that I had a surplus of over {$6000.00} that would be refunded to me in approximately a week. On XX/XX/XXXX, I called back and was told that, due to the high amount, it was being checked again and it would be a couple more days. On XX/XX/XXXX, I called again and was told the amount had changed due to a change in my property taxes. The amount they quoted me was incorrect. I gave them the correct amount on that same call. I was told that in a few days I would have the money. On XX/XX/XXXX, I called again having still received no money nor communication. I was told that I should have received the money and they were sorry, but due to their error with the property taxes, they were doing more analysis and would do an electronic funds transfer. On XX/XX/XXXX, I called again and they had no explanation for the delay. I was placed on hold for twenty minutes with my operator as she waited with me to try and reach someone in the company to help. No one answered her and I asked her to call me with an update later in the day. She called back toward the end of that day and said she was told that an electronic funds transfer of approximately {$5500.00} ( their revised amount ) was going to be sent soon. Please note that I not have the mortgage with chase, but am a chase banking customer and pay my mortgage from my chase checking account electronically every month. They have complete and total control of the transfer process from end to end in the same company. Today, on XX/XX/XXXX, having still not received my money, I called again and they escalated my complaint to a supervisor. She had no explanation of the delay and apologized. I informed her that, according to the CFPB and CFR 1024.17 of the Real Estate Settlement Procedures Act they had 30 calendar days from the analysis to give me any surplus over {$50.00} and if I didnt receive the money that day they would be in violation of federal law and I would file a complaint with the CFPB. As of the close of business, I have not received any money or subsequent communication from the company. As it has been 30 days they have violated these rules as I understand them. Furthermore, the size of the surplus is especially troubling given that the mortgage is 8 months old and it was a refinance of my prior loan for which I provided all necessary documentation of property taxes and home owners insurance. The surplus represents more than 50 % of my annual property taxes in total. This means I was either asked for too much money at the closing and/or my payment has been artificially too high since the inception of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Pursuant public law Best Buy Citi Bank failed to provide a 45 days notice regarding the decrease credit limit and hasn't disclosure the minimum payment payoff pursuant to the Card Act. See 15 USC 1602 ( k ) ; 15 USC 1602 ( j ) ; and 15 USC 1602 ( b ) TITLE ICONSUMER PROTECTION SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. 
( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) AMENDMENT TO TILA.Section 127 of the Truth in Lending Act ( 15 U.S.C. 1637 ) is amended by adding at the end the following : ( i ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of an increase in an annual percentage rate ( except in the case of an increase described in paragraph ( 1 ), ( 2 ), or ( 3 ) of section 171 ( b ) ) not later than 45 days prior to the effective date of the increase.

( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 
( 3 ) NOTICE OF RIGHT TO CANCEL.Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
( 4 ) RULE OF CONSTRUCTION.Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 171 ( c ) ( 2 ), or the imposition of any other penalty or fee.. 
( 2 ) EFFECTIVE DATE.Notwithstanding section 3, section 127 ( i ) of the Truth in Lending Act, as added by this subsection, shall become effective 90 days after the date of enactment of this Act. 
( b ) RETROACTIVE INCREASE AND UNIVERSAL DEFAULT PROHIB- ITED.Chapter 4 of the Truth in Lending Act ( 15 U.S.C. 1666 et seq. ) is amended ( 1 ) by redesignating section 171 as section 173 ; and ( 2 ) by inserting after section 170 the following :

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 2023-04-21
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I live in Wisconsin and receive child support on the Way2Go debit card, but I can not seem to use the card even though there is money on it. All online payments are declined. All payments via phone ( such as ordering food ) are declined, and most times is declined in store as well. After every decline, I check the account and see the money is definitely there. It is not a balance issue. It seems there is some sort of block on the card. 
I have called the number on the back of the card ( XXXX ) so many time and walked through every prompt available, but there are no options for the issue I am having as well as no possible chance of speaking to a real person. If you try entering in fake data to try to get a person, the call just ends. The website for Way2Go has no other options of contacting them either. This issue has been persisting for years. I contacted Child Support in XXXX XXXX WI today, and they let me know they have heard this issue several times, but there is nothing they can do. They mentioned taking this route to try to get a solution. There is even a XXXX thread complaining about this same issue, so I know I am not alone! I have called other state 's Way2Go program number, and there are prompts to speak to real humans, but they are unable to help me with this issue since I am in Wisconsin. Wisconsin 's Way2Go system is broken, and someone has to know an answer to helping us get the help we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-02-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are 4 accounts on my Transunion credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX Account # XXXX, 2. XXXX XXXX Account # XXXX, Both accounts 1 and 2 have same acct # s different amounts listed and different company names. 3.XXXX XXXX Acct # XXXX, 4.XXXX XXXX  XXXX Acct # XXXX These accounts do not belong to me so I want them removed from my credit reports 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 2022-09-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXXr old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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:
I just received notification that my credit score has decreased by 31 points!! XXXX XXXX has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with XXXX XXXX. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX XXXX account. This is adversely affecting me! I am prepared to take legal action if necessary!

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 2019-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
an credit card account is being reported on my credit report i am requesting cease and desist all communication and debt collection

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 2022-12-22
Company: Experian Information Solutions 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 account # XXXX has violated my rights 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

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