BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. 

You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

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 2022-11-16
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
- Received a letter on XX/XX/2022, stating that the bank would like to verify some recent activity on my account. In the meantime, they are going to put my account on hold - I called them and spoke to the representative and stated that I never banked with you all and I did not open an account. 
- She put in a fraud alert and emailed that department and informed me to log onto FTC.gov to make a report and to contact the three credit bureaus as well as to contact XXXX XXXX First National Bank of Omaha ( Name of the Bank )

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 2020-07-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Applied for a Best Buy card around XXXX an got a XXXX $ limit Bought items an got the no finance option an aways paid on time Then in XXXX they hit me with XXXX $ interest with a XXXX $ balance It was not much that i owed I have tried10 times to find what my balance was calling them an they never send me anything It was in XXXX that they put that XXXX $ on my account They say that it was acredit card when this happened but it was not, It was a card that you could buy stuff from there store with They will not give me any info but lies. I wanted statements from them an asked for them an got nothing.

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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  an email was received from Chase bank on my wife 's email stating thanks for applying for a Chase Sapphire Preferred card ( the application was under my name. ) I did not submit the application and neither did my wife. On XX/XX/XXXX  I called Chase at XXXX and was told there was no application under my name or SSN. I was transferred to the application team at XXXX who confirmed there were no active applications under my name or SSN. On XX/XX/XXXX  I called the Customer Protection Group at XXXX and was assured there were no applications under my name or SSN. On XX/XX/XXXX  I received a letter dated XXXX ( mail ) from Chase telling me they were unable to access my credit report and that I should contact XXXX to allow access. The letter refers to reference # XXXX. I called the Customer Protection Group at XXXX again and was told there were no applications under my name or SSN. I then called the number on the letter, XXXX, Chase Card Services and they confirmed there is an active application .They cancelled the application. I asked for the information that was submitted on the application and was told they can not provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My credit report from Transunion is showing 2 items on credit report as being opened with a monthly payment. It is reporting wrong. I wrote them and called them and creditor several times and they just will not fix it in a course of the last 60 days. The creditor us saying it's the credit bureaus fault that it's not showing correctly. The creditor even provided me with proof of a letter to transunion and transunion is yet to pick it up from the post office. It's in regards to two accounts from XXXX XXXX XXXX account # XXXX. Account was closed and charged off XXXX and XXXX XXXX XXXX account # XXXX was charged off on XXXX. It clearly is against the law and it's affecting my ability to obtain a home loan. Please help us to have it fixed as soon as possible. We are in a crisis situation and need it fixed fast. We do not want to be without a home to live in. Covid has affected us tremendously and getting a home would help us. Please fix the errors. We most certainly would like the debt deleted off our credit because it's in violation of the law. We most certainly would like it to reflect the truth of it being closed and monthly payment at zero and as a charge off. Thank you. This is affecting my health also.

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 2018-08-28
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The number being contacted is my employer phone number, XXXX. I work for a XXXX and can not take personal calls on my work line. The first time I was contacted was the week of XX/XX/XXXX, the second time was today, XX/XX/XXXX, at XXXX XXXX EST. The first time I received a phone call, I contacted the number and told a collections representative that the specified phone number ( XXXX ) was my place of employment and not to be contacted. I advised if they wanted to discuss the debt they were calling for, to send a letter to my home address for me to review. I again, advised, to place a DNC on my account. I used to work in XXXX, so I am familiar with the regulations regarding consumer protection. Today the same representative, XXXX with GLA collection company, phone # XXXX, contacted the number I requested DNC ( XXXX ) XXXX again and left a voicemail. I contacted her back and advised her this was the second time I was reporting not to call my place of employment and that if it happened a third time that I would file a complaint. Rather than record that into my account, and send a paper correspondence as I requested previously, she continued to talk over me and harass me about paying my bills. I told her I would file a complaint and disconnected the call. 

This company has refused my request for written correspondence and continues to call my place of employment as a form of harassment. 

I believe the debt they are collection on is a student loan which is no longer on my credit, which I have been paying back directly to the Department of Education since XX/XX/XXXX. 

I want all calls to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Bayview Loan Servicing LLC.. My mortgage was sold to them I did not choose them. I received a letter or multiple letters saying I should get my own homeowners insurance I would probably have better coverage as I was enrolled in their Lender funded homeowners which only covered the structure and nothing else. I went to XXXX XXXX in the last week of XX/XX/XXXX got my own homeowners. I put XXXX down and have XXXX a month note. Bayview was sent the declaration page to prove I have XXXX worth of homeowners. Because Bayview had screwed me in the past I called on XX/XX/XXXX to inquire on the status of removing me from lender funded insurance. Needless to say Bayview representatives didn't have any idea what I was talking about. So XXXX at XXXX XXXX contacted Bayview talked to a XXXX and emailed and mailed all the documents again proving I had homeowners. XXXX XXXX is a subsidiary of XXXX XXXX and holds my homeowners policy. Bayview sent a XXXX check to XXXX XXXX, XXXX XXXX returned that check to Bayview. Low and behold my house note instead of decreasing has increased XXXX. My question is Bayview threw my escrow into the red by XXXX, where is the XXXX check that XXXX XXXX returned to Bayview. Did someone put it in their wallet. Also afer all this I was told to write a letter explaining that I had procured my own homeowners therefore there was no need to escrow the insurance. Finally after months I was told they were not going to stop the deducting escrow for insurance and for me to stop paying it. Really!!!!! funny nobody mentioned that in XXXX. The extra XXXX a month sure sounds like a percentage of XXXX dollars that was returned to them in XXXX. So if they took XXXX out of escrow and threw me in the red what did they do with the XXXX check when they received it from XXXX XXXX and it has been confirmed they received that check. Personally I think they are the most unscrupulous slimy crooks in existence. I can go on and on but don't want to write a novel. Thank you. I can get documents from XXXX XXXX and XXXX XXXX. I am XXXX and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
This is about XXXX and XXXX creditors and the inaccuracies that Experian inequitably furnishes in my consumer report. I came to find out about this inaccuracy on XX/XX/2022. Since then, I have been disputing the inaccuracy of this account on my credit report and requested for it to be deleted if there was not any sufficient evidence shown to me. This is the list of inaccurate reporting ; payment status shows as charge-off and collection. This doesn't show up on my XXXX and XXXX reports because I asked them to investigate the account and it was removed from my credit report for the same reason for disputing with Experian. I have not received any detailed results informing me of the results of Experian. They only sent me a letter informing me that the account is verified. I should be informed on how the account is being verified, why the account reports as charge-off and collection, how the consumer verified the account and should receive a copy of how the account was verified. Experian failed to comply with the law requirements by reporting fairly, and accurately and investigating properly. This has cost me hardship and hindered me from receiving loans, and insurance, and being able to qualify to live somewhere.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get the mortgage off my credit. Sent in a dispute and not getting a response. Call customer service and cant speak to anyone because they say my loan no longer exsists, so can never actually talk to someone.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

I mailed in and disputed online XX/XX/ with Experian to reinvestigate the following account : Account name : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX credit cards balance inaccurately appears on my credit report. There should be a {$0.00} ( zero ) balance. The {$9600.00} that currently appears on my credit report stems from fraudulent transactions that Equifax was notified about. Additionally, XXXX XXXX credit card inaccurately reflects a {$10000.00} balance. That balance should also be {$0.00} ( zero ) because the charges also stem from fraud. Equifax has not properly corrected the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.

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 2023-05-29
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 have three missed payments on my XXXX  XXXX credit card XXXX that are seven years old and need to be deleted from my Experian credit report I have asked for these items to be deleted, but they are not. 

The three missed payments. Are the dates following. XX/XX/XXXXXXXX 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 2022-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open both checking and saving account with Citizen Bank. A week later, I received debit card with PIN number in separate mail. However, I am ending with that I couldnt activate my account anymore. Then, I received a letter from citizen bank that saying they are going to close both of my accounts and they will no longer maintain banking relationship with me. I have no clue what is going on. And I have very good record with banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection : MIDSTATE COLLECTION SOLU In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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 explanation