BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: LEXISNEXIS
State: GA
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:
YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan was forgiven in XXXX. Mohela report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. Mohela promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XXXX XXXX. Visa card XXXX XXXX XXXX XXXX they ( chase  ) Closed the Account in XX/XX/XXXX. I explained to chase whom I've been a customer since XXXX, that the chargers that was being charged to my account was not mine. I've never exceeded my 10 % usage on any of my cards. But they never resolved the matter and now it destroyed my credit file and score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the bulk of the chargers that was unauthorized. XXXX XXXX XXXX also charged allot of interest in relations with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
I have hard inquiries on my credit report from all 3 bureaus Experian XXXX XXXX and XXXX. 
I have tried to reach out to all parties involved and yet they are on all my reports.

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 2023-11-25
Company: Branch Messenger, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I found a complaint for unauthorized charges on the XXXX I had a XXXX sweepstakes online gaming places they ripped me off I deposited a bunch of money with them and then where I bought the coins or whatever and then after I won money I tried to cash it out and they closed my account and kept all my money so therefore I did not receive services that I paid for so I filed a complaint with the branch app and I haven't heard anything to this point they generally are not very helpful and I need somebody to step in and make sure that I get my money back I've already lost over {$1000.00} to the sweepstakes casino and I want a bunch of money and I need my bank to come through for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking and investing account with Sofi, and been using it for months with no problem and there was always positive balance abd on average XXXX balance on it. There was a check that was deposited by mistake and they placed the account on restriction and cut my access to the entire money on the account even after I contacted them and notify them that the check was deposited by mistake and they can hold the amount for the check but I need to access my funds since at the time was my only account and the only source of money. They cause severe damages and issues by placing a restriction on the account. I contacted them many times and kept asking them to give me access to the funds i have on the account. They kept telling me they are investigating and i have to wait. After one week I just call them and asked them if they can just close the account and just give me the money i have on the account because i was in financial hardship. They even refused to closer the account and also said they are not going to give me my funds because of a wrong check that actually never deposited into account and they refused to deposit it since the beginning and now for no reason they stealing my money. I have over $ XXXX total on both checking and investing account and need my money very urgently and I been facing a lot of issues because not having any other source of money and I need your help to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, I am working on a mortgage application with Citi Bank, NA. Here 's what happened : We started the loan processing on XX/XX/XXXX when I had a contract with the seller. The closing date we set up was XX/XX/XXXX, which gave Citi Bank almost 60 days to process the loan. 
During the process, I always respond to the requests from Citi Bank with in 1 business day including documents they requested or any other information. However, every time when I submitted my documents and asked the loan officer and processor if the documents met the requirements or did they have all the documents they need, they never respond. It is XX/XX/XXXX and that means 7 days pasted the closing date, Citi Bank still can't provide us a concrete closing date. This is due to their lack of response and failure to fulfill the jobs they were supposed to do. I have the full time line of the processing for your reference. 
XX/XX/XXXX under contract XXXX Appraisal received XX/XX/XXXX UW asking for supporting documents. 
XX/XX/XXXX Supporting docs submitted XX/XX/XXXX Approval package with requirement of some additional docs XX/XX/XXXX Supporting docs submitted XX/XX/XXXX XXXX asking supporting docs that I submitted before ( more than once! ) XX/XX/XXXX Supporting docs submitted right after the call XX/XX/XXXX Still no closing plans from Citi. 
we doubt we are getting an extension from the seller and the whole deal could be dead. 

If the deal fails through, I will suffer from severe financial loss including : {$5000.00} due diligence money, {$800.00} appraisal fee, {$330.00} house inspection fee and most importantly, the priceless time from both agents of seller and buyer and myself! 

It is inexcusable that Citi Bank had 67 days to process the loan and still they failed to close it on time despite all the effective efforts I ( and my agent ) made through the whole process.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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: Account information incorrect

Complaint:
I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: PENTAGON FEDERAL CREDIT UNION
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:
Notice of FCRA Violation by Penfed Credit Union I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that you have committed. The FCRA, as outlined in 15 U.S. Code 1681a 2 ( A ) ( i ), clearly states that transactions and experiences such as late payments and utilization are not included on consumer reports.

However, I have recently reviewed my consumer reports and discovered that you have reported late payments and utilization on my credit reports, which is a clear violation of the FCRA. This type of information is prohibited from being reported on a consumer 's credit report, and its inclusion may result in negative consequences for the consumer 's credit standing.

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 2021-04-26
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, Mid America mortgage increased my escrow amount from {$66.00} to {$600.00} per month ( see attachment ). At the time of this increase, there was already {$840.00} in escrow. My last years home owners insurance policy was only {$670.00} ( see attachment ). 

I believe the increase was excessive, and exceeds the federal maximum a lender can hold in escrow. Further, I was hung up on when attempting to discuss the matter with a Mid American mortgage representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone made several purchases with my ID and social security number.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.

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 2023-11-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
COMENITYBANK/VICTORIA card was opened under my name on XX/XX/2023 for {$380.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-04-25
Company: EQUIFAX, 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:
I have let all 3 credit reporting agencies know in writing with copies of my ID and ssi card about information that is fraudulent on my credit and asked for the items to be removed and for them to show me the contracts with my signature on it. I spoke directly with Equifax on the phone because after I sent this notirized letter in my score dropped by XXXX points. The representative told me they do not have to send me anything. If the company says my information matches there records then it stays. I asked about what proff do they have it was me since I am letting them know I never opened the accounts. They told me they don't have to do anything but just verify with the company but no documents are provided. I let them know what section 609 says they have to provide under the fcra and they do not care. Also companies are on there putting inaccurate information on my report stating I made a payment in a collection account so they can keep on my XXXX longer. Information that was suppose to be removed under a class action lawsuits still remains and they refuse to remove it XXXX XXXX XXXX Recently an account popped up in my XXXX for a loan they are claiming I got in 2014 which never happened I never even heard of the company XXXX XXXX I have several fraudulent accounts on there that these reporting agencies refuse to remove and so do the companies that are reporting them. Inline of them will give me documents with my signature on it or the credit app or even let me know how it was applied for. I need your help to clear this nightmare up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX  a credit application was submitted for the Business as I was applying for a business credit card. I had entered my EIN and then was asked for the SS #. I had no choice but to enter my private information into he portal to complete the application., I received a response that the account was denied. Apparently for the low XXXX  score and a serious delinquency that does not belong on the report to begin with. I have contacted customer service in regards since this is adverse action against me and fraud in accord as they are aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). which has violated my federally protected consumer rights : and also in accord to12 CFR 1002 Regulation B and also 1002.7 with the rules concerning extension f credit. 


1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/XXXX  is both a proof and evidence that I have been discriminated against, American Express is also criminally liable. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 


Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I keep disputing a collection account that I have no idea what it is. I have asked for an itemized bill but have not provided me with anything. I Never received a bill from the original party and I was sent to collections for a bill I never knew existed. I have disputed and still comes back with no info and collection is still there. How can you possibly put a collection on me for something I don't if know what it is for and yet the collection company has yet to provide or original bill. Its not fair I was never given a proper chance to pay bill. When I dispute a get a response saying Information on this item has been updated. Please review your report for the details. and there are no details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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