BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: NM
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:
Chase bank indicated that they did not have any negative reporting on either of my credit cards. However, negative reporting still exists on my credit report. I do not know how to get this removed. They lowered my credit limit on both cards even though payments were always prompt and usually more than the minimum and sometimes paid twice in a month. Then, they would tell me I went over my credit limit when I had no idea it was lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXXXXXX XXXXACCOUNT XXXXBALANCE -ACCOUNT OPENED XXXXREPORTED AS COLLECTION UNPAIDXXXXACCOUNT XXXXBALANCE-ACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAIDXXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX  BANKACCOUNT XXXX $ XXXX OPENED XXXXREPORTED AS CHARGE OFF UNPAIDXXXX XXXXXXXX XXXX XXXX NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS REPOSSESSEDXXXX XXXXACCOUNT XXXX $ XXXX OPENED XXXXREPORTED AS CHARGE OFF. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX. XXXX, XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX  : XXXX -- -> {$12000.00}

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 2019-11-25
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I moved to new house due to work commitments since I arrived at this address my mail had started to get stolen from my post box. There is a treveling community less than 300 yards from me they have been using my address for credit I paid Equifax to monitor my account as my score has been severely compromised I have no defaults by myself as I pay all my credit on time but there are other people using my file to see if they can get credit which I find very worrying I have contacted my local police to no satisfaction I have also contacted my local councillor but still no joy ther seems to be no help for me so your are my last resort to help me rectify this massive problem this is now causing me stress and anxiety thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I sent a Method of Verification Letter to TransUnion for a alleged bankruptcy that I seen on my credit report when I checked it. First letter was delivered to TransUnion on XXXX. I got a response back from them on XXXX, saying that the bankruptcy was verified by the USBK Court. I sent a letter to the court clerk to see if they really did verify a bankruptcy for me to the credit bureaus or other third party companies such as XXXX and that letter was delivered to the clerk on XXXX. I got a response back from the clerk dated XXXX. The court clerk letter says, " The Clerk 's Office for the U.S Bankruptcy Court for the XXXX  District of Alabama is not a reporting agency to the credit bureaus. We do not actively report information ''. When I got this letter, I sent the verified by the court letter TransUnion sent me and the court letter I got from the court clerk to TransUnion and demanded deletion on XXXX. They got the letter on XXXX and I got response back from TransUnion on XXXX still saying that it is COURT VERIFIED, ( WHICH I KNOW IS A LIE, THE COURT CAN NOT VERIFY INFORMATION BECAUSE IT IS ILLEGAL ). So, I sent a letter back to TransUnion with the court clerk letter on XXXX and they received the letter on XXXX. I got another response back from them on XXXX saying that they will not reinvestigate something they already investigated and the letter said if I send proof like court letter etc. So, this is the reason I am filling a CFPB report. I have been going at it with this company since XXXX and now it is XX/XX/2021, going into XXXX. 5 months of this! They are standing firm with saying the Court verified this alleged bankruptcy and no other company.. The Court told me that they do not verify information with the credit bureaus. TransUnion has lied to me about how they got this information and I want it deleted because of the fact that they lied to me about information about me which is DIRECT violation of the Consumer Credit Reporting Act Laws. Again, They are standing firm on the court verifying this alleged bankruptcy and the court told me NO they do not do what TransUnion is saying that the court has did. So, I am filling a CFPB report to help get this alleged bankruptcy deleted off of my credit report on the basis of TransUnion lying to me. How can a company lie to me about how they got my information? I do not understand! I sent all of my letters certified from the post office.

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 2023-10-19
Company: SoLo Funds Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have problems repaying back Solo Funds due to unexpected expenses that I couldn't control. I told them that I needed more time to pay a partial payment they offered me, but accuses me for breaking that promise. I didn't intend to break any promise and I'm really having a hard time paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First Advantage  ( Fadv ) ran a background check using XXXX XXXX instead of my legal name which is XXXX XXXX XXXX. When the international background check came back theres a criminal conviction for XXXX XXXX for a murder. The court records shows that the record is for a man named XXXX XXXX not a XXXX XXXX XXXX and they refused to delete the record on my background check report. 

This has cost me a lot and potentially lose my job offer for something I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal consumer to privacy and confidentiality under 15 usc 1681.

15 U.S.C 1681 section 602 A. State 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 ) Sections states 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 ) Reporting information with actual knowledge of errors, 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The statute of limitations for debt varies by state and by debt type. In Pennsylvania, auto loan, credit card, mortgage and medical debt all have a statute of limitations of four years. 
Account Name : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Account Number : 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 2022-12-28
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've had a Cash app account for at least XXXX years now. My daughter who is XXXX, opened a minor account sponsored be me earlier this year. She wanted the account to be able to easily receive funds from family and friends. She has a pre-paid card to use funds in her account, I do not have a card for my account. On Friday XX/XX/XXXX my daughter temporarily logged out of her XXXX ID account on her phone, where the Cash app application is stored, and simultaneously began to see transactions declined when she was out shopping. She also noticed she no longer had access to the funds added to the account that were given to her by her father for XXXX. She contacted Cash app support on XX/XX/XXXX via chat and was instructed to have her sponsor, me, contact support to rectify the situation. Neither of us ever received notifications via email, phone, or app notication alerting us of ANY issue. I reached on XX/XX/XXXX via chat and was told they needed to verify my address and they provided a link to upload the acceptable documentation. This was confusing to me, as my account didn't contain my address because it wasn't a requirement when I opened the account, only my bank account information and email. I was never told what the problem was that caused the account to be frozen. After chatting with them again and still never receiving an explanation, I uploaded the document in an effort to just resolve the matter and have her regain access to her funds. I was told the matter was escalated to a Specialty team that would reach out to me via email. Later that day I still hadn't been contacted so I called, told the representative I uploaded my water bill as proof of address, and was told the " Specialty team '' would contact me with the next steps. It is now Wednesday, XX/XX/XXXX and I still have not been contacted, have no more information, including when this will be resolved, and my daughter does not have access to her money. I contacted them via chat today and keep getting the same response about the " Specialty team '' contacting me and nothing more. They won't even provide a number or email to said team for any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions 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:
On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Experian via certified mail with tracking number XXXX. 

I received a letter back from Experian on XX/XX/2022 stating their investigation is still pending. 

Pursuant to 15 USC 1681a ( 1 ) - reporting ACCURATE information, until this investigation is complete I am demanding all disputed alleged debts be deleted from my consumer report until the validation process is complete. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Experian written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Experian ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Sometime in XX/XX/2022, someone fraudulantly opened up Checking, Savings and Money Market accounts with Navy Federal Credit Union under my name. 
They even overdrew {$6600.00} from the checking account by depositing {$11000.00} and withdrawing {$18000.00}. 
When I received the " Welcome '' package from Navy Federal Credit Union on XX/XX/2022, I contacted and reported this as fraud to NFCU 's security department. 
They have advised me that I will receive a mail in 15 days to update the status of the investigation. 
As of today, I have not received any mail from NFCU 's security department. I keep receiving bills from their collection department for me to pay the overdrawn amount of {$6600.00}. 
I tried calling various times to find out the status of my claim however their wait time is about two hours that is if the phone does not disconnect by itself while holding.

My main concern is the credit union 's collection department reporting to credit bureaus for non-payment of the overdrawn amount and damage my good credit history. 
Attached please see the relevant documents. 
I would appreciate if CFPB can help or assist me in this matter. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX, Experian and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.

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 2023-05-18
Company: EQUIFAX, INC.
State: MO
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:
These are unauthorized inquiries which I have not approved or given written permission to furnish in my credit report : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Caliber Home Loans. I am the only borrower on the loan, and my ex wife is successor in interest. Caliber home loans has been stating that because my ex wife is successor in interest, that she can make the same changes to our mortgage account as I can. For example, on XX/XX/2021 they allowed her to change the homeowners insurance and never even contacted me that it had been changed. Furthermore, on the phone several months ago they indicated they would be reporting her social security number to the IRS on form 1098, even though I am the primary borrower and am liable for the mortgage, and they have been reporting my social security number to the credit bureau. It is my understanding that successor in interest is only allowed to receive copies of documents while the borrower is alive, and Caliber refuses to agree with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello. The account in question was closed due to fraud and was removed from my report. I still had to make payments on the balance i accrued. I no longer had access to this account online and no longer received statements as thr account was closed. I called in monthly to make the payments to pay the balance off. In XX/XX/2021, i called in, received the balance and paid it off to my knowlede. Since i paid the balance, i thought everything was taken care of and i was done with the card since it was already a closed account. I went on and no longer considered this account because to my knowledge the account was now {$0.00}. I recently received a notice that capital one reported this account to my credit for {$2.00}. When i called, i was told that at the end of the cycle, the account accrued {$2.00} interest. I never received a statement, an email, or a phone call informing me that the {$2.00} was still owed. I would not ruin my credit for {$2.00}. I have asked Capital one to honor my integrity in all the times i have paid and the fact that they provided no notice to me. I am trying to purchase a home and this is affecting me greatly. My credit is good and now has dropped XXXX pts because of this. Capital one is refusing to remove this, even though i paid the balance and they neglected to notify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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