BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, I have had the exact same credit score with Equifax for over 2 years, which is extremely abnormal considering my contined score improvement with the other bureaus. I've looked at my report and I don't see anything out of the ordinary, all great reporting from creditors. I called Equifax and they will not help me or tell me how my score could be the exact same number for years. The guy I spoke to today, XX/XX/2021, said he can only see what I see when I pull a report. I repeated multiple times that the trouble is not with the report but something to do with my account because it's not updating. He continued to refuse to help. I can not dispute credit items because there is nothing to dispute. This is keeping mid range score ( from the three bureaus ) down and affecting my ability to refi for a better rate. 

I have gotten new cards over the past couple of years and they use them and pay them off regularly so I know my score should be going up. 

I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-01
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:
I have disputed with XXXX and Experian about the alleged XXXX on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) .Experian and XXXX is in violation of my rights.

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 2021-02-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a playset from Lowes.com. I was told when I called their customer service line that I could arrange the playset to be put together by our Local Lowe 's store. This turned out not to be true, no local store had anyone who could put playsets together. 
I called Lowe 's credit card service on XX/XX/XXXX and told them I wanted to cancel the order due to no one being able to put it together. I was told it would be cancelled but to call XXXX as well as it may already be on the way. I did call XXXX and was told the item would not be delivered.

The charge has remained on my Lowe 's card since XXXX, I have made several calls, talked to multiple customer service representatives, the charge has been in their " investigation '' section since XXXX. I have been told multiple times the charge would be removed " in 30 to 60 days '' Yet as of today, XX/XX/XXXX, it remains on my Lowe 's charge card, the supervisor I called today XXXX, again told me to give it another 30 to 60 days to resolve. 
I do not believe Lowe 's has any intention on investigating this charge or refunding me for a product I never received.

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 2020-07-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Companies involved, pnc bank, XXXX XXXX.. I try to get back into my XXXX account and when I could not, I made a new account with the same email and phone number. Once I was getting ready to link my PNC account back to my new XXXX account.. it said we were no longer able to Link PNC accounts with a XXXX account. How do we fix this problem. My email addrsss is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one is reporting late payment. Payment was never paid late. Capital is reporting late payment to all 4 major credit agencies. Unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX

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 2020-08-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

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 2022-04-01
Company: EQUIFAX, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX please delete this item XXXX XXXX XXXX please delete this item I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws

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 2020-08-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: LEXISNEXIS
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:
I checked my consumer report a while back and noticed a bankruptcy being reported. When I contacted the bureaus explaining my rights to privacy they sent a letter back stating the letter was verified and accurate. I contacted the bankruptcy court to find out if they gave my information to the credit reporting agencies, they stated they do not report any information to any of the agencies. I then noticed that the main bureaus received their information from LexisNexis so I sent a letter to them explaining how they are violating my rights as a consumer and I even pointed out the laws they violated. I never gave them permission to furnish anything on my consumer report so that violates 15 USC 1681b ( a ) ( 2 ). I have the right to privacy and they violated that law, 15 USC 1681 ( a ) ( 4 ) and they stated that the information was investigated and verified but who did they speak with? 15 USC 1681a ( e ) states that to conduct an investigation, they would have to speak to neighbors, friends and/or associates and if they spoke to them the information provided can not be factual. LexisNexis violated these laws, destroyed my moral character and lied. The information on my consumer report needs to be removed. In addition to everything mentioned above, I want and deserve remedy ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was advised by relationship manager XXXX to hand write a dispute letter regarding the only option ( modification ) I was offered at the end of my Covid-19 forbearance plan. 
Being that I haven't handwritten a letter in many decades, It may be difficult to read. To summarize : I entered the forbearance period as my small business is just now reopening with limited capacity, thus affecting revenues significantly. I was under the understanding that missed payments would be deferredto the end of my loan. 

I contacted SPS in XXXX after being made aware of a Biden Administration extension to the forbearance period of 3 months. I was advised to fill out a form on the SPS website to indicate that I was still impacted by the Covid-19 pandemic, which I did - thinking this was a necessary step to obtain the extension. Instead I was offered a loan modification which reamitorizes the loan, extends the loan and results in an increased monthly payment. 

It is my hope that through this correspondence, that I may be able to obtain the original understanding of deferredpayments and an extension of forbearance by 3 months as I work towards reopening my business. If this is not possible, I'd like to be considered for a modification where my existing interest rate is lowered reflective of current rates, in addition to any options that may lower my payments during these difficult financial times. 

I have attached the letter to this email. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-21
Company: Chime Financial Inc
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was with Chime banking for several years. I have tried disputing an account transaction with them from XXXX. 

In the ammounts of {$200.00} and {$1000.00} Intially a few months back I just said forget it. They kept closing the dispute dispite me adding proof. 

They asked me several questions that XXXX would not provide. 

XXXX closed my account. " services not rendered '' Chime has never received any type of refund to my account. 

Chime continually denies my dispute. They claim they are doing an investigation, but several times they came back with a descision with 20 minutes, 30 minutes an hour. 

That is not an investigation. 

I am uploading documents showing XXXX agreed to reimburseme me. " However '' XXXX does not send out personal details as far as the number. This can be seen in my screenshots in there terms and conditions. 

Chime needs to provide me with temporary relief as well as do a full investigation..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had trouble with banking in XXXX, CA. I have banked with almost every bank in XXXX, CA. I am a XXXX XXXX American XXXX woman. I have had problems since I began banking in XXXX, CA. I had to ask my sister to become my POA to help me and ever since I can not keep a dime in the bank. I don't even receive my banking statements anymore. I have complained to the bank but I still have not received anything from my bank. I have contacted the bank but I still have not received any assistance. I barely can keep any money in the bank. I really need help. I can not get any help anywhere. I have pretty much given up! Can you help me straighten this out, Please?

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 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$150.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

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