BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: WV
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 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 15 U.S.C. 1681 section 602A states I have the right to privacy,

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a good standing account with chase in XXXX, The account was closed without clause with a balance of over {$5000.00}. The bank stated that my account was under investigation due to my account balance being over a usual limit. I was unsure as to what that meant at that time. I went into to speak to a banker about the matter, the banker tried to look into the issue and was puzzled due to the fact that my account was in good standing for over two yers and was unsure as to why all of a sudden my account was closed with a positive amount current. 

The bank then sent me a check after 60 days of waiting without any access to my funds and proceeded to close the account. I asked if I could reopen an account and I was told no over the phone and in person because I was not the type of customer CHASE wanted to be associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was denied to reopen my or open a new account. Because, I am a person XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Acct Name : XXXX  XXXX # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name XXXX XXXX XXXX # XXXX XXXX XXXXXXXX : Acct Name : # XXXX** 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 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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The account stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The 3 Credit Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the listed account from my file. 
XXXX XXXX XXXX Balance : {$890.00}.

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 2023-05-09
Company: DISCOVER BANK
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:
XXXX or Discover reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/20 Notified Revolut that i was recieving my paycheck into my account as a direct deposit and that it was a large amount as they told me not to worry that it would be fine XX/XX/20 Tried adding monet several times with my card to my account with it failing and external bank never being sent an authorization charge, meaning it was never issued from the originating bank ( Revolut ) Causing the transfer to fail. 
XX/XX/20 account locked no response and paycheck now deposited into account and I have no way to contact support or find out when i can access the funds I need to be able to live

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: WV
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 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  15 U.S.C. 1681 section 602A states I have the right to privacy, 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC

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 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
Capital One has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: PNC Bank N.A.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, good day. I want to open a complaint with PNC Bank. Im originally from XXXX and I had a XXXX Dollar account with XXXX XXXX. This account was opened through the XXXX XXXX branch, but the account itself was in the USA. In XXXX I got an email from XXXX informing that my US Dollar account would be migrated to PNC Bank. I was living in XXXX at that time and was asked to validate my personal information via online or through their app, but since I was living in XXXX, I couldnt access the app or the online bank, because it was required an American phone number to be able to proceed access their platforms. Since then, I have been trying to reach out to PNC Bank to sort this out and be able to access my bank account. I contacted my account manager several times and I gave him all the required information ( official ID documents, phone number, etc. ). But still, I was not able to access my bank account. I am now living in the XXXX, in XXXX XXXX XXXX, UT I moved to XXXX this month ( XX/XX/XXXX ) and reached out to my account manager once again, so I could finally get access to my bank account. Last week ( XX/XX/XXXX ) I was contacted by my account manager and explained that I am now living in the XXXX and my plan was to close my bank account with PNC and transfer my money to my current XXXX XXXX account with XXXX XXXX XXXX. He asked me to send him an email to request the information I need to be able to access my PNC bank account, which I did on XX/XX/XXXX. Since I was not receiving any support/update from my account manager, I decided to contact the Bank Retail Support from PNC and XXXX, XX/XX/XXXX, I got a phone call from them. They informed me that they were not able to validate my personal information and I was told that I must go to a PNC branch to be able to resolve my situation. As Ive mentioned, I live in XXXX XXXX XXXX, UT and there is no PNC branch in the state of Utah. The nearest branch is in XXXX, Colorado, XXXX miles distance from where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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 have disputed an account with Experian several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX and is now being held by XXXX XXXX XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and XXXX I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Due to the lack of effort by Experian it is still effecting my credit negatively. If a mistake was made by either XXXX or XXXX, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. I will be filling a corresponding complaint with the Attorney General 's office as well as the FTC.

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 2023-06-02
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to address an incorrect debt that has been reported to credit agency, claiming that I owe an organization a sum of money for a health club membership at XXXX XXXX. However, I want to clarify that this debt is not valid, as I canceled my month-to-month membership with XXXX XXXX due to insufficient usage.I contacted XXXX XXXX  on in 2022 and spoke with a representative to cancel my membership immediately.To my surprise, I discovered that an entry for this alleged debt appeared on my credit report, attributed to Aldous and Associates. I believe this entry to be inaccurate and unjust, as I fulfilled all necessary procedures to terminate my membership and stop any further charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing has increased our Escrow by using figures that DO NOT include all of our mortgage payments. They purchased our loan in XX/XX/2018. XX/XX/XXXX and XX/XX/XXXX payments were mailed separately to them. However, on their report sent to us by a their Attorney that they sent to Court only show one ( 1 ) payment being made not two. I  have attempted to send them the cancelled checks but XXXX XXXX refuses to accept them and get this resolved right away. This has also caused lots of unnecessary stress on us and loan companies calling us saying our loan has been MARKED for inclusion trying to get us to refinance all due to them not posting all of our payments. This is a Federal Violation of our rights, not applying our payments, misreporting our mortgage account to Credit Bureaus for months now, and deceptive by omitting these important facts to increase our Escrow.They have a letter from our Attorney to talk to us on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chex Systems , Inc., responded to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023 review CFPB Complaint Number : XXXX in regards to my complaint of the Reported Information of XXXX XXXX XXXX XXXX XXXX, amount : {$16000.00} listed on my Chex Systems Consumer Report ID Number : XXXX. Chex Systems informed the CFPB on XX/XX/2023 that the reported information of XXXX XXXXXXXX XXXX XXXXXXXX. for amount {$16000.00} was deleted and removed from my Chex Systems Consumer Report, but the reported information is currently still listed on my Chex Systems Consumer Report ID : 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: CITIBANK, N.A.
State: IN
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:
XXXX from XXXX XXXX XXXX XXXX XX/XX/2023. 
I contacted the company at XXXX, as listed on my report and requested the removal of the unauthorized inquiry and was given a number to contact for XXXX. XXXX instructed me to complete the report here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got an email that someone tried to open a credit card in my name at Bank of America and they wanted me to verify my email when I didn't do that. I got an email saying they were unable to process my application online. I also got another email saying I was enrolled in mobile banking, which I never did.

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 2023-05-09
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This XXXX  company has now reopened my closed account that was {$0.00} completely paid off ( dispute from XX/XX/15 ), added the entire principal balance back ( XXXX ), and attempted to charge me 3 TIMES! They have me listed as a delinquent payment. 

I have given them 1 week before I take them to court, as this is strike 3. Please light a fire under their XXXX If this affects my credit I swear to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief