BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been solicited for the Amazon visa credit card multiple times. Today, I filled out the pre qualification form, and although I was pre qualified, decided I didn't want another credit card so never followed through by submitting the application. Within 10 seconds, ALTHOUGH I DID NOT APPLY, I received a notification indicating I was not approved. 

That means there's a hard pull on my credit reports which will lower my score just when I'm trying to rebuild my credit. 

I don't understand how this could happen ; perhaps a technical glitch in Chase Banks system? 

In any case, I can't reach anyone on the phone but am filing a formal notice of appeal to have this hard pull removed. 

Although I dislike having to say this again, but I did not submit an application for their Amazon credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 USC 1681b, 15 USC 1681 ( a ) ( 1 ) ( 2 ) Permissible Propose... It is a violation for companies and credit bureaus to report anything on your credit report without your written consent. I never provided any written consent to the credit bureaus or these companies to report anything on my credit report. To continue reporting is Identity theft. Remove these accounts off my credit immediately... XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  # XXXXXXXX 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 2023-11-22
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom it may concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with The Fair Credit Reporting Act.

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 2022-04-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Huntington Bank is refusing to issue a credit for a fraudulent transaction on my checking account for {$250.00} from an apparently based on my research scam company called XXXX XXXX that steals peoples debit card information and other pieces personal information. I have never used nor authorize use of the charge via this service if it even exists in a simple XXXX search will review multiple articles of people being arrested in XXXX and other Places under under a company name XXXX XXXX  and fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Asked for proof or to validate debt never responded or sent the documentation I specifically asked for. Which results in deletion.

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 2021-05-13
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
21st mortgage is not accepting all the proper documentation for minor dependent XXXX. I am the XXXX parent the minors are both XXXX. The denial for the loan was based on the girls were already XXXX because they are XXXX  years and XXXX months. The federal Lending law and Social Security say the girls have to be XXXX and they get it until theyre XXXX or it will extend to XXXX if they are still in school full-time. They are also stating that The minor dependents are on XXXX. And I keep telling them theyre on XXXX but they do not understand the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my 2nd home at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX on XX/XX/XXXX. My loan was with Select Portfolio Servicing , INC. My loan # is XXXX. Select Portfolio Servicing Phone # is XXXX. On XXXX XXXX Select Portfolio said to me that they had sent a check to me for the refund of my escrow account in the amount of {$2100.00}. I have called them twice since then and both times they said it was mailed on XX/XX/XXXX. I asked them to re-issue a check or send a wire because the check has to be lost in the mail because its had plenty of time to be here. They have refused to do this. I am entitled to a timely refund of my escrow money. 

My name is XXXX XXXX XXXX. My primary address is XXXX XXXX XXXX XXXX XXXX IN XXXX. My DOB is XX/XX/XXXX. My phone number is XXXX XXXX XXXX XXXX XXXX XXXX. My email address is XXXX. 

Please help. Thank you very much. 

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 2023-04-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
company has failed to delete this inquires that are not mine my XXXX  and XXXX  show 0 inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: VA
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 2021-05-12
Company: Experian Information Solutions Inc.
State: RI
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:
Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

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 2022-04-22
Company: EQUIFAX, 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been trying to reach to this company about this alleged debt but I havent gotten their response so here I am seeking help to the CFPB and Atty General to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-02-03
Company: EQUIFAX, INC.
State: CA
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 am appalled by the ability of Equifax to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report despite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX of XXXX my husband & I purchased a 5th wheel RV. At the time both of us were gainfully employed. Within months of this purchase my husband became very ill and was XXXX in XXXX for approx. 1 week. Upon discharge my husband was unable to continue working. As he was XXXX at the time, he was able to file for social security retirement benefits. His retirement income was approximately 70 % less than when he had been employed. As a result of this, we were no longer able to continue payments and we voluntarily surrendered vehicle to US Bank. US Bank took possession of the vehicle in XXXX of XXXX. In XXXX of XXXX, we did receive a statement that there was a balance of {$23000.00} due on the account. Since then, I may have received one or two notices about the amount owed, but we did not have anywhere near that amount to pay them. My husband passed away in XXXX of XXXX. On XX/XX/XXXX I received a summons that I was being sued by US Bank. I had received no notification of any intention to sue, nor any attempts to resolve debt. The last notice I received from them was probably in XXXX or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2011 account was closed or charged off, ask them if i pay what was owed if they remove it off my credit report they said no because it was charged off too another company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: WA
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I pulled a copy of my Experian consumer report and noticed some items I would like to dispute. They are as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 

Creditor : XXXXXXXX XXXX XXXXl Account Number : XXXX Balance : {$19000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 


Creditor : XXXX Account Number : XXXX Reason : This account was reported without my written consent and therefore is a result of identity theft and the XXXX late payments should be deleted. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer and the XXXX late payments reporting should be updated to paid on time, never late XXXX the entire account should be DELETED.

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 2020-11-26
Company: OneMain Finance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
summer 2019 onemain finiancial added on fees that were not allowed corrected once i sent a complaint and once again they applyed again and withdrawed fund from my bank acct that was not the correct agreement amount. tried nermous time to keep paying and resolve the issue all they replied was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank note forgery with the assistance of a bank representative allowing for improper and unwanted Agent and Beneficiary ( POD ) for savings and checking accounts. > {$30000.00} Bank 's written response, " After completing investigation of your concerns, we were unable to substantiate the occurrence of any alleged forgery. '' XX/XX/XXXX It was noted that it was the same bank representative that had Notarized signatures on multiple bank cards that we strongly believe not to be authentic in which granted complete access and diversion of funds in absence of oversight to occur. 
Verbal reply, " The alleged forged documents had no bearing on how the accounts were paid out. '' claiming that there was no damage. The alleged forgery occurred XX/XX/XXXX. An additional Bank Card was completed and signed XX/XX/XXXX. In reality the suspected forged documents allowed for Agent and Beneficiary to divert funds from Estate for multiple years.

If the bank would have completed their due diligence and matched the signatures with signature on file the forged documents would not have allowed for the diversion of funds. 
The bank 's haphazard handling of the reported forgery has allowed the forger and the bank representative 's role to be unsubstantiated. 
It remains evident that the bank is unwilling to admit damages nor acknowledge the suspect role one of their past and current bank representative 's played in the ultimately diversion of funds for multiple years. 
The bank representative, XXXX XXXX XXXX XXXXXXXX at the Customer Care Center denied access to communicate directly with their legal department to determine authenticity of signatures. They require we hire an attorney and are requesting we enter into a legal battle knowing that they have the benefit of wherewithal. 
Forgery is a serious crime and requires due diligence on the bank 's responsibilities to protect assets.

Company response to consumer: Closed with explanation