BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
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 demand to be deleted immediately 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These account do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2020-12-23
Company: LEXISNEXIS
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 my second dispute about items contained in my credit I sent out disputes to the credit bureaus about accounts that are being reported on my credit that were not authorized by me. You had come back verified, how did you verified, who did you talk to? PLease send me physical proof of verification as the law require, you most have the documents to sustain your reporting. 
I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid 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:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois ssn XXXX has committed countless acts of fraud toward J.P. Morgan chase bank including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe chase is complicit as I have been reporting these incidents for some time now to no avail. XXXX XXXX also had her chase bank account closed years ago for the exact same behavior. I will attach her fake identification card with the address of the fictitious woman and her face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Previous correspondence as attached ( ref XXXX dated XX/XX/2020 ) regarding account ending in XXXX states clearly this account is closed at a zero balance and furthermore AMEX considers the matter closed. Company has attempted to reverse again it's decision after the fact but has failed to request additional information or provide justification to continue this matter. All attempts to deal with reps have failed as none have any authority to make decisions or even understand the account and seem unaware of the attached or pretty much anything at all. 

This matter is closed as per the attached binding document and any documentary evidence, written or oral provided already to AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: OH
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, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card had unusual activity on it and Bank of America texted me questioning the activity. I confirmed back to them that the activity was not made by anyone with appropriate access to the card. I also went online and disputed several other transactions. It said the card would be locked. They called but I did not see the call, so I got a voicemail asking me to call back. I have tried to call back several times only to be placed on an endless hold ( over 30 min each time ) before I have to hang up due to other commitments. I told my wife not to use the card anymore as it would be locked. Today she said she accidentally used it and it went through this morning to my surprise. I went out and looked and we are continuing to get fraudulent charges! I again called. Again I was on hold for over 30 min with no answer. I tried to lock the card myself with their online system but that is no longer available either on my mobile or through my computer. They are literally making it impossible for me to get this stopped or fixed. I would be happy to close all accounts with them at this point if I could even do that online or get ahold of them!

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: AL
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: 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 : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this 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 2022-08-18
Company: EQUIFAX, INC.
State: SC
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KS
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:
When Bayview ( now community loan ) took over the loan ( from chase ) they would not accept chases forbearance agreement. Even though this was provided to them and multiple conversations occurred. Bayview went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: AL
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 XXXX # XXXX, XXXX XXXX  XXXX # XXXX and XXXX  XXXX 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 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 non-monetary relief
Consumer complaint received 2021-10-17
Company: Paypal Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My fianc and I used my venom for several months both collecting our unemployment. Venmo one day out of nowhere permanently deactivated my account and locked $ XXXX in the account. It has since been almost 200 days and they refuse to release our funds. My fianc was willing to prove it was him and I both using the account but they are not giving in and will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: PNC Bank N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This complaint is in regard to my desire to apply for forgiveness of my XXXX draw of the XXXX, currently being serviced by PNC bank but originated and approved by the predecessor bank BBVA which PNC purchased last year. 

Going back into XXXX and again in XXXX while a customer of BBVA bank, I applied for and received XXXX rounds of XXXX funding for {$15000.00} each ( $ XXXX total ). The first draw was already forgiven using the BBVA PPP forgiveness portal. To be clear, both BBVA and the SBA had to underwrite and approve each draw for a total of XXXX rounds of underwriting. I now only have the one remaining loan of {$15000.00} that I wish to have forgiven. It has been my intention to use the PNC XXXX loan forgiveness portal but there is a big problem. 

The problem is that there is a discrepancy in the Correct Maximum Loan Amount that must be resolved before any forgiveness application will be approved. There should be no discrepancy for the {$15000.00} yet the portal indicates the correct amount at {$0.00}. 

Clearly, a {$0.00} figure indicates that PNC didnt access the loan documents from BBVA oXXXX the XXXX XXXX If PNC had accessed documents that didnt support the full amount it is reasonable to assume that at least some dollar figure would have been approved. But that didnt happen here. It shows XXXX. That means the bank didnt access any documents. When I spoke with XXXX of their employees in XX/XX/XXXX ( a XXXX XXXX XXXX ( XXXX XXXX I PNC, XXXX, ( XXXX ) XXXX XXXX ) ) I was told that PNC didnt access those documents even though both BBVA and the XXXX XXXX the loan. Therefore, the blocking of the XXXX forgiveness portal due to an outstanding discrepancy is truly a problem of PNCs own making. I did however submit to PNC the documents I originally submitted to BBVA but so far PNC will not accept them for underwriting. Instead they are demanding a host of documents that I never had to submit to either BBVA or the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: LA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus are illegally reporting inaccurate information 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 2020-03-16
Company: Experian Information Solutions Inc.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent 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 2023-08-02
Company: Credit Fresh Holdings Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My credit line amount is { {$1700.00} } in XX/XX/2023. 
My payment of {$110.00} has been paid paid semi-monthly since The fees and biking charges are { {$95.00} } each period. 
According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures. Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ). 
My complaint is that it is taking advantage of me. Ive paid nearly {$1000.00} in biking cycle charges with only less than {$10.00} actually being applied to the principal balance. 
When asked for a revision to be made, they told me no, it is not possible. 
Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back and causing great emotional distress!!

Company response to consumer: Closed with explanation