BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: MN
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to Lexis Nexis via mail and Portal complaint. I thank Lexis Nexis for responding via CFPB complaint because not only have you violated me personally through selling my personal information you had no authority/authorization/Consent in selling, but you have also violated me publicly as well. Via phone for the date XXXX you stated, that you spoke with me and resolved this matter. False and misleading because I never spoke with anyone from Lexis Nexis. Your records will be subpoenaed for that date to prove how corrupt your company is. The email you state you sent but did not receive a response of identification verification from me, shows all my documents replied through successfully. My documents included drivers license, current utility bill and social security card. Lexis Nexis entire response and reporting is predatory, even with federal laws in place they still take the chance to violate consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2021-10-11
Company: WELLS FARGO & COMPANY
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:
There were multiple transactions completed without my authorization on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Wells Fargo as soon as I saw that my account had multiple unauthorized charges to report the incident as fraud. 
XXXX {$400.00}, {$9.00} XXXX {$19.00}, {$10.00}, {$4.00} XXXX {$28.00}, {$27.00} As I remember correctly these charges were in different cities from when I looked at my statement prior to calling them. 
I did what I believe to be the correct thing in reporting these charges as fraud as I did not authorize them, nor have possession of my card at the time of noticing the charges. I received in the mail a letter that Wells Fargo deemed these charges as not fraudulent and was re-billed.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: NJ
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:
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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX  XXXX  {$520.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive reported 5 hard inquiries that I did not give authorization for to Transunion and XXXX. XXXX dispute was successfully removed. The 5 that were not removed from Transunion were 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 

According to FCRA U.S.C 15 1681 there shouldnt be any damage on my consumer report, that shall cause defamation to my character.

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 2021-11-16
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX that was sent to NCA and keeps popping back up on my credit report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted PNC Bank with a request for an amortization schedule. PNC call center representative did not send me an amortization schedule ( showing a bifurcation of the principal and interest ). I have seen a discrepancy in the amount of interest being charged during occasions where I have made a larger monthly payment to account for additional principal. PNC sent a payment history only in XXXX. This information does not clearly indicate how the monthly payments have been applied - principal versus interest. I called PNC again XX/XX/XXXX and requested my request for this documentation be escalated. XX/XX/XXXX a different representative from PNC called me to verbal explain how to read my statements. I find this rather condescending. I continued to request a payment history/amortization that demonstrates the bifurcated information. PNC continues to refuse to provide me these details. I am merely attempting to audit their methodology in how payments are applied correctly. This latest representative stated that PNC charges a daily interest amount predicated on the number of days between each month. I find this inconsistent with my other auto loans wherein a fixed amount of interest was applied to each monthly loan amount. Based on my previous experience with auto loans, I feel as though PNC is applying my overage payments to interest rather than principal. I feel they are unwilling to provide transparent information about my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Upon receiving the US Bank XXXX for XXXX benefits funds had already been removed from the account and continued to be stolen from the account. Upon notifying the company and completing every request for information they didnt complete any investigation nor did they refund any of my stolen funds. They continued to be dishonest by stating that they did an investigation when they had not. Also requested on 3 separate occasions, that I be given supporting documents and all information that was used in conducting the investigation for my review and all they continued to do is send me the same documents that I sent to them which was nothing more than the transactions that fraudulently occurred on my account from the beginning to the end. I have lost a great deal of money from US Bank XXXX  and now am contemplating seeking legal assistance to recover my money from my unemployment benefits that they allowed to take place due to their negligence and breach of my rights listed in the cardholder agreement.

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX never inform me by mail or by phone that my payment was return my payment was due the XXXX my statement date was XXXX the XXXX and my payment was return the XXXX of XXXX they never notified me by phone call or my mail and the dashboard wasnt showing me that I have any payment due until the the XXXX when my statement was already close and now I have a delinquent on my report that I have a miss payment that ruin my credit worthiness and damage my mood of living the payment was return it wasnt my fault they should have notified me that my payment was return so they need to update my payment history or remove the Miss payment because I did make a payment they never let me know my payment was return

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly XXXX XXXX XXXX  now Im trying to rectify the problem and its time to pay attention

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX 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 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: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During XXXX I bought an ultra wide screen monitor with XXXX XXXX XXXX from XXXX XXXX. It also came with a 24 month warranty. The monitors XXXX four port was not connecting with my XXXX XXXX, so I had to take it in to get it looked at or repaired at XXXX the XXXXXXXX XXXX said that I was still in my exchange warranty. And that I needed to bring it in to see if they can repair it and if they can't repair it, they can replace it. They said that they would ship me the new one within seven days and gave me a shipping tracking number. The next day, I got an email saying that my order was canceled from XXXX XXXX. I called the XXXX XXXX store and I'm on the phone with them. They tried to issue me a store, credit or something the representative wasn't very detailed with their explanation, but they were trying to exchange it for a new one and then make a whole new brand new order and they put me on hold. I completely was unaware I forgot that I bought this with my Chase account debit card because Chase is not very customer appreciative as well as they just don't care and they said you have to fail and do not have any feelings of remorse for anyone without {$300000.00} in our savings account so I made the decision to close the acc not long after I bought this monitor. I closed the Chase account, I no longer do business with Chase at all so I did not know that they were going to try and refund my account. Otherwise I would've stopped them but they did refund or returned the original monitor and somehow or for some reason they did it by refunding it back to the bank to recharge. I don't know I was very confused and very angry why this was such a huge ordeal and why it couldn't have been done some other way, but the store manager helped me try to get it fixed said he could not get it fixed so I had to contact Chase to have them cut me a check. I tried logging into my old account and it is not even on my login page anymore. Does not say I have an account anymore so Chase has {$1700.00} of my money and has not sent it to me yet. Yes, but I was attempting to re-initiate the charge and chase shut them down so I'm just confused pretty upset. I just want my Monitor back to be honest on don't want to have to go through the process of getting a check and waiting for them to do it, but I guess I have to know I want my money back I will upload a picture of the receipts that he gave me when I went into the XXXX XXXX to talk to the manager to prove that it was refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
Account name : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX file number XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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 1681-2 ( 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 accurate.

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 2021-03-21
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: GUIDANCE RESIDENTIAL, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender is charging me interest rate of 6.5 % PLUS 'ACQUISITION ' fee of $ XXXX/month and XXXX FEE ' of $ XXXX/month making aggregate overall interest rate over 12 % on my primary residence. 
I feel this is 'predatory ' lending especially since i am on XXXX and XXXX years old. 
I have requested the lender several times to give me a consideration to reduce the interest rate since national interest rates have fallen all time low.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation