BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.

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 2017-04-10
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Company charged too much interest more than what was promised. I also asked for ibr and was approved but they still have not placed all of my loans on the plan after several calls. ( XXXX University ). ( XXXX XXXX College ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX Account XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX violated my rights XXXXXXXX XXXX XXXX XXXX violated my rights XXXX XXXX XXXX XXXX violated rights XXXX XXXX Violated rights XXXX XXXXOriginal creditor : XXXX XXXX XXXX  XXXX rights violated XXXX Hard Inquiry violated rights XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXXvioated my rights XXXXXXXX XXXXXXXX Violated rights XXXX rights violated XXXX XXXX -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an 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 2022-10-11
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Approx. XXXX of XXXX  JPMCB called me and told me that I had a credit card that had an overdue balance. At the time of which they called me I told them that I don't have one of their credit cards and still don't have one of their credit cards. They said it was me until I told them that I wanted proof that I signed up for the card and I hadn't heard from them since. Until Late XXXX of XXXX  I recieved an e-mail telling me that JPMCB had put this back on my credit report. I disputed it through XXXX twice and I can't even call JPMCB because when I do their automated phone messages ask for the last 4 digits of the credit card ... .PRETTY HARD WHEN I DON '' T HAVE THE CARD!!!! I can't even contact them about removing it off of my credit. Nobody wants to help me combat the high priority corporate businesses that can ruin your credit in a heartbeat especially when this isn't mine!!! I pay all of my bills including the credit cards that I have and ON TIME! Look through my credit history! I will be contacting a lawyer if this doesn't get off my credit report! They have no business putting these things on someones credit report unless they can prove it is mine, and they have no proof that it is mine. I want to see when and where this card was used and by who's signature and/or computer, telephone, tablet, etc!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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:
It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: IN
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:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: IL
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 am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, These Accounts 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On XX/XX/2022, I have received an email from XXXX stating that my Apple Card payment was due that day. I visited my XXXX app and clicked on the Apple Card. There I saw I have credits on my Card Balance showing exactly + {$120.00} on the left side of the screen, and on the right side for payment, it said precisely " Nothing to Pay '' and " You have nothing to pay right now. '' with a large checkmark on the bottom-right corner. On XX/XX/2022, I got another email from the same email address saying, " As of XX/XX/2022, your account is 2 day ( s ) past due. Your past due balance of {$34.00} is due immediately. ". Hence, I started a live chat via Messages app connected with an Apple Card specialist ; I explained I had credit in my Card Balance and got the emails, so I sent the screenshots and asked why my account was past due anyway? The first agent said it was late ; they were closing the chat and chat back by the next day, so until the next day on XX/XX/2022, I started chatting again and again with many agents, one of them said to pay {$34.00}, so I paid {$34.00} via chat, and I asked why that amount and I shouldn't be paying? The agent couldn't answer my question but instead said, " Have a great rest of your day. We're here if you need help with anything else in the future. '' chat disconnected. The following agent again disconnected, then the next one transferred me to the manager and finally recognized my issue. Hence, they " escalated '' the problem, and it takes 5-10 days for someone from the " Customer Advocacy team . '' to contact me, which I strongly doubt will happen. I've had this issue before ; they didn't do anything about it. The issue was I got credits in XXXX XXXX, then Apple Card still punishes me for past due on my account with possible late fees and interest charges if I did not pay. When a live agent doesn't know an answer, they don't treat me as a customer and easily disconnect the chat as a click without any help to transfer me to someone else who might know the answer. In general, Apple chat agents have been rude, and most of the time, they did not treat me as a customer while I spent thousands of dollars for their products and services. I do not know why I paid {$34.00} and what the {$34.00} is for even all Apple Card specialists and supervisors don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a {$3000.00} American Express e-gift card in XX/XX/2023. I was able to use the card by making a purchase online at XXXX and an online purchase at XXXX XXXX-leaving a remaining balance available on the card in the amount of {$1600.00}. According to the instructions, the e-gift card is supposed to be accepted at US merchants that accept American Express cards, but that's not true at all. The e-gift card is not accepted at XXXX, XXXX, XXXX and the list goes on. I called the customer service number and was told the best way to use the card is via XXXX XXXX in stores that accept it. The card worked a couple of times with XXXX XXXX but is now being declined everywhere I try to use it with XXXX XXXX. XXXX Customer Service for these cards is useless and just gives a big run around. This is total fraud and misrepresentation by American Express. I feel like I'm a criminal at this point, just for trying to use the card to access my own money since it's being declined everywhere. Not a happy experience at all and disgusted with Amex!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX Deposited a third party check ( {$12000.00} ) signed over to me from my husband via an ATM PNC bank where my bank account has existed for 30 years. 
XXXX The check was deposited and withdrawn ( no notification from the bank ). I discovered when I checked my balance. 
XX/XX/XXXX I called the PNC branch in XXXX, OH to understand why the deposit didnt go through. XXXX  ( the teller, said it was because the check was over the amount allowed to be deposited into the ATM. When I went into the branch later that day, the branch manager said it was because my husband isnt their client and they can not verify his signature. They were unable to return the check to me, but said I would receive a replacement legal check in the mail within 7-10 days. 
XX/XX/XXXX I called customer service for the status of the check. I was told the check was sent on XX/XX/XXXX. Then waited. 
XX/XX/XXXX I called customer service for the status of the check. The representative told me they can see that the check was lost. She said she could reissue the check but it would take an additional 7-10 days. So instead she encouraged me to go into the branch and told me to ask them to have Returns overnight the check. 
XX/XX/XXXX I left work early to get the branch before XXXX only to discover the banks new hours are XXXX. I got there at XXXX. I work from XXXX and will not be able to get there during their open hours until the weekend. So I called customer service. I spoke with XXXX who was helpful, but didnt have the structure in place to escalate my call to a manager. If the branch can request a check to be sent overnight, why cant customer service. We are living in a digital age. She had already sent me a multi factor identification code via text. But alas she did not have the ability to make the over night request. She also was unable to take the call when I asked for a manager. She wasnt able to get me to the Office of the President and when I let her know I would go public the best she could do was submit a complaint to have someone call me back at some point in the next day or so. 
XX/XX/XXXX I still havent heard anything from PNC bank. I still do not have the check I deposited on XXXX. And I have no idea when I will. I have lost all trust with PNC bank. And upon receipt I will be taking my business elsewhere after 30 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XXXX, Experian, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00}

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a Account on my credit I do not recognize US BKPT CT NJ

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