BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
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 was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.

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 2020-11-10
Company: AES/PHEAA
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:
There are several delinquent federal loans reporting on my credit. These accounts aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back on XXXX, 2019, I sent to KOHLS/CAPITAL ONE a request to fix this problem. There is a Kohls/Capital OnXXXX account # XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent charges. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
USCB AMERICA is sending letter stating that I owe a debt that is not validated. Without any valid proof of contract. Which is in Violation of 15 USC 1692b ( 2 ). 

USCB AMERICA is threatening to submit negative report to the credit reporting agencies, which is a threat to take an action that can not be legally taken. Which is a Violation of 15 USC 1692e ( 5 ) USCB AMERICA is willfully using threats to harm my reputation by threatening to submit negative report to the credit reporting agency. Which is in Violation of 15 USC 1692d ( 1 ) On multiple counts USCB AMERICA violates 15 usc 1692b ( 5 ) by willfully including logos/symbols and other language in the content of the communication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 explanation
Consumer complaint received 2020-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX was informed by phone call that the underwriter wants to move forward with the foreclosure sale. Policy is policy. Informed bank representative that we are in bad times amidst the Coronavirus and massive layoffs. I was told that this is the underwriters decision and it is final. Policy is policy. Despite informing them that my father had deceased in the middle of loan modification, and this was beyond my control. I was informed again its the underwriters decision and the underwriter is the ultimate decisions maker. Basically admitting that the underwriter is more powerful than cfob, the president, the office of the comproller if currency. This led to the worst day of my life. Led to increased XXXX XXXX and I was enroute to the hospital. I wrote bofa urging them to take this issue seriously, rather than take advantage of tough times. This is the lowest form of ethical behavior. Please forward this issue to a Senior manager. I will get complaint to the President if the United States. I believe in the rule of law. I believe this can be modified and restructured due to devastating circumstances beyond my control. Thank you

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 2021-10-26
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I ordered a product online. They invoiced me the same day but for {$100.00} more than advertised. The email was a no reply email, so I went online to get the contact info for the company to cancel my order before it shipped. The company I emailed, that was on the products website replied that it was not their invoice that was emailed to me and they don't show any orders from me. I promptly contacted Chime to let them know there was a problem with the charge. They gave me a provisional credit bu on XX/XX/XXXX, they reversed the provisional credit of {$190.00} without valid explanation. I have emailed and called speaking to 2 different reps, none able to help me. This charge is legitimatly fraud as I don't have the product and I have no way of contacting the company however Chime won't protect my money or me as a consumer and credit my account and debit the company making the charges. So right now I'm out {$190.00} without a way of recouping the funds. Can someone help me get Chime to protect my funds against this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage with Bank of America on XX/XX/XXXX, as they were advertising an interest rate which would lower my payments significantly. After months of delay, and my providing of documents and explanations for numerous requests, many of them repetitious, the bank canceled my application on XX/XX/XXXX, the day after I spent hours collecting and providing documentation for a lengthy list of demands which were requested of me earlier the same day. 

My wife and I own a large number of rental properties. I was asked to provide great detail on every single property, which I did. 

After the application was canceled, I asked my loan agent to submit a complaint in BofA 's system. I was contacted by XXXX XXXX, who told me it was canceled due to me not providing all the documentation required of them by XXXX within their maximum timeframe. My wife and I have closed on many XXXX loans, several of them within the last 6 months. Never have we been badgered for anywhere near the level of documentation that BofA insisted on. Nevertheless, I did provide everything they asked for, time after time after time. 

This is just abusive. I spent many hours at a time on many days to meet their requirements, and after dragging their feet asking for things in dribs and drabs, they say essentially, " Oh darn, we've run out of time. Too bad. We can start over at the current interest rates which happen to be as high as your existing mortgage. ''

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 2022-04-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # XXXX .... 
Account # XXXX .... 
Account # XXXX ...., violated my rights. 

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 accounts without my written instruction.

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 2022-04-18
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:
Inquiries where furnished on my consumer reports I did not initiate nor did I give written consent to report on my consumer reports which shows fraudulent activity.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, 15 U.S.SC 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

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 2021-10-26
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am an XXXX XXXX XXXX  ( XXXX  ) at XXXX, started my XXXX  this XXXX  XXXX. I was trying to transfer my apartment lease and so put an ad on XXXX XXXX. One lady ( XXXX XXXX, from Wisconsin, she said ) was very interested and wanted to take my apartment. I told her the lease transfer fee is {$500.00}. You can pay it to lease office or me. She then sent me a check of {$1900.00}. She told me to take {$500.00} for lease and send the rest to her moving agent ( XXXX XXXX XXXX XXXX ). First I hesitated but then convinced as she said the check will be provided by her company. I received the check online and found that it posted to my account ( my balance increased after 1 day ). I had no idea of fake check or check bounce in the USA. I trusted and sent {$1400.00} to the moving agent as she said. I sent through XXXX as she requested. The account was, XXXX XXXX, XXXX. After that I thought everything was going good but suddenly she said she need {$800.00} more to send her mover to fix her car. Then I refused and started to suspect. I complained in Police ( Case : XXXX XXXX ) and they said it's a scam. After that, I found my money has gone, check bounced back. I contacted bank several times but they refused to get back the money. I contacted bank and put dispute but they refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2021-10-25
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I submitted CFPB Complaint # XXXX requesting Experian remove the FRAUD ALERT from my credit profile. I even sent the demand to their attorney on XX/XX/XXXX clarifying they were not entitled to have a copy of my ID or any other personal information outside of what's necessary to identify they have the correct profile pulled up. 

In a correspondence dated XX/XX/XXXX from Experian 's attorney, XXXX, she states that Experian removed the fraud alert from my credit profile. This is false. Experian intentionally and willfully refused to remove the fraud alert from my credit profile. 

Instead, Experian changed the original date of the fraud alert from XX/XX/XXXX and falsified the reporting claiming that I requested the fraud alert on XX/XX/XXXX. I did not. They put a 1 year fraud alert without my permission. 

I am demanding the fraud alert be removed completely and immediately. I do not give permission for a fraud alert to be on my credit profile.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive sent a letter to the the Three major credit bureaus ( Transunion, XXXX and XXXX ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an violent assault resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. XXXX, Transunion and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called 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 non-monetary relief
Consumer complaint received 2018-05-02
Company: EQUIFAX, 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 filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 checked my credit report and I noticed some unauthorized inquiries on my credit report I proceeded to contact the credit reporting agency but they did not remove the unathorized inquiries.

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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank USA Account # : XXXX Allege Late Payment Date : XXXX, 2021 Capital One is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

CAPITAL ONE HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation