BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am writing for your help since I was not able to resolve my conflict with Fifth Third Bank over a fraudulent Internet transaction via my credit card used by someone else who stole my information and my identity to make purchases. Case number XXXX On XX/XX/XXXX I reported to Fifth Third Bank a suspicious transaction for {$89.00} purportedly for a Dash camera which was allegedly made on XX/XX/XXXX. For the record, similar dash cameras are sold in stores for around {$20.00}. 

I informed Fifth Third Bank that I did not made this transaction with a very shady Merchant XXXX who does not even have a website with products for sale, only pages with Terms and Conditions and Privacy Policy. 

Fifth Third Dispute Resolution Department ( at large, without the name of individual whom I can contact with my questions ) apparently did not conducted any meaningful investigation into this matter or even looked at XXXX and reversed temporary credit apparently trying to collect from me {$89.00}. 

In support to their decision Fifth Third provided me tracking number for another transaction which I made on XX/XX/XXXX with another company. 

Fifth Third also provided me the name of the Company who purportedly sold me this dashcamera XXXX XXXX XXXX  XXXX located in XXXX NJ. 

According to New Jersey XXXX of XXXX, they do not have any records of XXXX XXXX XXXX XXXXXXXX in their State. 

The only company who has similar name XXXX XXXX is located in California and is manufacturer of precision die-cut components. Obviously, they do not sell dash cameras via XXXX. 

Moreover, the XXXX address XXXX provided to me by Fifth Third Bank as evidence of legitimacy of my transaction belongs to some shady company in XXXX. 

Fifth Third Bank acted negligently by failing to conduct basic investigation and pushing all burden to prove criminal conduct on me as a customer ; and maliciously ( if not enabling ) when they refused to reverse this transaction and credit stolen from me {$89.00} back to my account. 

I demand Fifth Third Bank to credit me {$89.00} and compensate me at least additional {$100.00} as a fee for my investigation of this matter for which Fifth Third Bank employees are getting paid. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2020 during the initial onset of COVID-19, I called PNC and specifically asked how forbearance would affect my credit reporting because I was skeptical about entering into a forbearance program. The agent told me on a recorded line that the loan would be marked " paid as agreed. '' Based on this information I entered the forbearance plan. During the forbearance plan period, I continued to make regular payments as usual. It turned out that I was able to get an emergency loan and I did not need the forbearance plan at all. After 3 months, I exited the forbearance plan and continued to pay the loan on time as agreed. 

Today, my credit report shows my PNC loan payments for XXXX, XXXX, and XXXX marked as " No data '', with only the XXXX payment " Paid as Agreed. '' In addition, the loan account falsely continues to have the remark " Affected by a natural disaster. '' As a result of this, I have been denied a new home loan. 

PNC lied to me about how forbearance would impact my credit reporting. I know for a fact that other companies are not reporting forbearance in this way. I used forbearance as a safety net, made regular payments and exited the program as quickly as possible, and PNC believes I should suffer with a scarlet letter on my credit report for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I received a bill from my XXXX credit card charging several purchases from the XXXX XXXX with a total of {$5400.00}. I did not make any of these purchases, and explained the fraud to XXXX, and closed my account with them. On XX/XX/XXXX, I went to Chase bank and then discovered that {$6500.00} was taken out my Chase account without notifying me, and that the money went towards the same XXXX bill from the fraud purchases from the XXXX XXXX. I informed Chase, closed my account, and notified the police. The police report said that the items were purchased with the XXXX card and money from my chase account was taken out to pay it off, and shipped to an address in XXXX, and they are still investigating it. XXXX has yet to refund me back my money, and told me that they need a statement from Chase confirming that there was fraud. Chase, however, refused to give me the proof even though I have contacted them multiple times all year since then, and because of this, I still have not got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account showing missed payment. Account should be paid in full just recently made a payment XX/XX/XXXX. Sold car to XXXX after that.

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 2023-12-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This erroneous reporting is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.

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 2021-03-02
Company: NAVY FEDERAL CREDIT UNION
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 already reached out to the credit bureaus and to NAVY FEDERAL CR UNION, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report. // NAVY FEDERAL CR UNION XXXX Date opened XX/XX/2015 Balance {$26000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus have violated my rights. * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. * 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation

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 2019-08-05
Company: Experian Information Solutions Inc.
State: CO
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:
OnXX/XX/19- I received an alert that i had a missed payment on my credit report. Upon further investigation, again it was an account that was closed over two years ago. See attached screenshots for evidence. I have enlisted XXXX XXXX XXXX to help me settle this account. For the past year i have been making steady payment to settle this account.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. After I blocked their number, they started calling from a restricted number. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: LA
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:
Certified dispute letters was sent to all 3 credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Did not validate bankruptcy report on file. 

Did not investigate dispute Can not provide dispute details

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 2023-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ).

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. Ibid.

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). Ibid. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After waiting a full year for my student loans to transfer from XXXX XXXX to Mohela then an additional 3 months to have my employment certified to reach 120 qualifying payments, I am now having to wait an additional 3 months for Federal Student Aid to review and approve my PSLF. 

Waiting an additional 3 months for loan forgiveness after reaching 120 qualifying payments is very unfair. The PSLF program is suppose to forgive loans after 10 years, not 10 years and 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

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 2020-04-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Barclays Ring Card. I tried contacting Barclays multiple times regarding the COVID 19 pandemic and was on hold for hours each time. Even sent an email though the secured message option that Barclays suggested and have not gotten a response. I finally got a hold of a customer service representative on XX/XX/01 who advised me that my payment would be deferred for 2 months and I would not incur a late fee. However, I have been charged a late fee and now my payment due is twice as much. I've tried contacting them but they are non-responsive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief