BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
I applied and got approved for an unsecured loan from XXXX on XX/XX/2022 for the amount of {$390.00} with a 12 month term. This Loan has been paid in full on XX/XX/2022. On XX/XX/2022 I received my credit report and XXXX is still reporting an open loan which is inaccurate, XXXX is also reporting an inaccurate balance, and XXXX reported that the balance increased by {$3.00} which is also inaccurate because the loan is paid in full. When I spoke to a customer service representative the only solution that was presented to me was a verification letter that the loan was paid. The XXXX customer service representative suggested I dispute my account with the credit bureaus and send this letter of verification to prove the loan was paid off. The account has already been under dispute and XXXX has not responded or updated any information with the credit bureaus.

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 2021-05-14
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card account with Capital One. I made a minimum payment of XXXX and was told my account would remain restricted although this amount according to Capital One made the account current. I was informed by XXXX ID # XXXX that the account will remain restricted for 3 months and I was enrolled in a program to monitor my progress with making payments for the next 3 months. Capital One never made me aware that once you bring your account current that you would still be restricted from using the account. XXXX was very rude, refused to escalate my call and refused to give me information on how to escalate my complaint. My account is in good standing but is still restricted. There is nothing in any correspondence sent from Capital One that informed me of this program. I never agreed to be enrolled in the program after the payment was made. I would like for my account to be unrestricted for use immediately. I have credit available but they are denying me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: MI
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 Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX 7 . Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX 8 . Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.

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 2023-09-18
Company: Commerce Home Mortgage, Inc
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
In XXXX of XXXX  I was purchasing a condo as a first time buyer. I was getting my mortgage through XXXX XXXX  and was two days away from closing when I learned they lost their CDFI certification which meant they were no longer eligible to move forward with my mortgage application ( As was seen on the news - XXXX XXXX XXXXXXXX ). This was after doing everything that was requested from them including home appraisals, inspections, certifications, document fee transfers, not to mention travel expenses for closing as I was buying this home from out of state. I subsequently had to cancel the home purchase as we had well exceeded the time to buy, and have been trying to contact XXXX XXXX about recovering the costs for the items they requested from me and have had no response from them. In total excluding my travel, their requested items have cost me {$1200.00}.

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 monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to XXXX XXXX XXXX, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I made an agreement with Chase to keep my XXXX XXXX card open due to them offering me a {$150.00} statement credit retention offer. It has been over 2 months and they have not kept their end of the agreement and have not given me the {$150.00}. They also have been sloppy when it comes to record keeping, telling me I have already received the {$150.00}, even so far as sending me a letter, when in fact, the retention offer they were referring to was from XX/XX/XXXX... not XXXX. I have had to call nearly each week since XX/XX/XXXX. I have spoken to many supervisors, some knowledgeable and some not, and some just downright rude. One supervisor who I spoke to in XXXX, named XXXX, agreed with me, that this is due to a Chase XXXX error. He apparently sent an escalation but nothing ever became of it. Several others supervisors refused to go out of their way like he did and just keep telling me to keep waiting. I have even had one supervisor literally hang up on me, very unprofessional. The reason I have not received the {$150.00} is due to a Chase IT error of which there have been some other posts I have read online of this same thing happening to other people. People who asked for retention offers in XXXX are having the same thing happen. They are not getting their retention posted to their account. One supervisor, named XXXX, " insisted '' the {$150.00} would be there on XX/XX/XXXX. It was not. I emailed Chase again on XXXX XXXX and they have not responded. I just called again tonight, XX/XX/XXXX, and spoke to a supervisor named XXXX. She also refused to take action and just told me to wait. Chase owes me {$150.00}. The amount I have had to spend calling and writing is beyond ridiculous at this point. They have breached their agreement. I am demanding that they pay me my {$150.00} that they have owed me since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX finally corrected my XXXX  report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bureau of a 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.

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 2021-05-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I spoke to the forbearance department of Huntington bank about struggling to pay my mortgage at that time so they allowed me XXXX, XXXX and XXXX forbearance of my mortgage and it would be added on end. So I checked with them in XXXX and said I will start paying in XX/XX/2021 again and they said they would be sending papers for me to sign and I never received them. In the mean time I saw an XXXX report saying I was in foreclosure. Today I received a message to call Huntington about my mortgage account so I did and the lady said I owed 3 months of mortgage and when am I going to pay it? I told her I had 3 months forbearance and she said I see that now let me get you to them and the guy gets on and says how can I help you and I told him the lady sent me to you dont you guys communicate? He said that there will be papers sent to me and I told him you told me that months ago. I am submitting this complaint because number one they put it on my credit report and two they have been very unprofessional in the handling of the whole forbearance. I am sure I could of gotten a few more months of forbearance but they explained nothing to me. I know its been hard times for all but it seems like the honest people get the shaft. Plus by that credit report dropped my score down and I would not of known had I had not been working on my credit restoration. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TRANSUNION Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$1600.00}

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 2021-11-10
Company: Experian Information Solutions Inc.
State: MS
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 have requested that Experian verify the mentioned accounts and delete them and they continue not to provide assistance and support in this matter. 
The accounts in question are associated with a different address as well as a different name and they continue to report it erroneously. 
1. XXXX/XXXX/XXXX  XXXX 2. XXXX/XXXX/XXXX  XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX/XXXX/XXXX 5. XXXX/XXXX/XXXX  6 . XXXX/XXXX/XXXX 7 . XXXX/XXXX/XXXX  XXXX  8.XXXX  XXXX  XXXX XXXX XXXX 9 . XXXX XXXX XXXX. XXXX 11 . XXXX XXXX XXXX XXXX. XXXX 13 . XXXX ( Duplicate Account ) 14. XXXX ( Duplicate Account ) 15. 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 2023-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint centers on Equifax Inc. reported inaccurate and private information, which has adversely affected my consumer report. 
A certified notice providing more details is being attached to this complaint and mailed via USPS # XXXX, to you inform you of the unauthorized and improper utilization of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX  DELAWARE, yet XXXX XXXX  DELAWARE is not removing this fraudulent account. XXXX XXXX  DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  DELAWARE Bank has refused to do this. The following is the fraudulent account : XXXX XXXX  DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BANK OF AMERICA has just taken an adverse action which is prohibited pursuant 12 cfr 1026.13 by reporting that I have utilized a false amount of my credit.They have not validated any alleged debt or responded to any of the documents I have sent or requested.they have also not responded to my affidavit or provide any evidence to support any alleged debt they claim I owe.have notified them of multiple billing errors pursuant to 12 CFR 1026.13 and TILA regulation Z. I have audited them requesting certain documentation and a full file disclosure both public and private pursuant to 15 usc 1681g, 15 usc 44 and irs publication 583 to further clarify and address my billing errors and see how much is really owed.adverse actions are prohibited pursuant to 12 cfr 1026.13 while Im in an ongoing billing error status and any creditor who takes an adverse action forfeits all rights to collect on the disputed amount and makes themselves subject to civil liability pursuant to 15 usc 1693m.theyre failure to also provide the requested documentation make them liable for criminal liability as well pursuant to 15 usc 1693n.

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 2021-01-26
Company: SYNCHRONY FINANCIAL
State: MN
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:
This complaint pertains to XXXX XXXX 's Visa Card program. I received an email stated I would be automatically enrolled in e-statements on XX/XX/XXXX. I would have to go out of my way, log in, and opt out in order to continue receiving paper statements. I was asked when I opened my account, if I wanted to enroll in e-statements or not and I said no then. I think it is ridiculous that I now have to go in and opt out of something that I already told the company I do not want to enroll in. The CFPB 's official interpretation of 1026.5 ( a ) ( 1 ) ( ii ) ( A ) states that only disclosures that need not be provided in writing can be provided in electronic form or if THE CONSUMER requests the service in electronic form. Periodic statements ( XXXX ) don't even fall into disclosures that need not be provided in writing and would therefore require my consent BEFORE providing me with e-statements.

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