BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I attempted to access my Free Credit Report for Equifax. After completing the information on-line, I was notified that Equifax on-line reporting is not available and I would need to file a request by mail. The form which the website states is in PDF format, is NOT. When I clicked on the icon for the Equifax form, I was prompted to save the form as an " ACTIONFILE ''. Because I do not know what an ACTION FILE is and do not have software to support the file, I was unable to complete the form for Equifax. I do not understand why it is impossible for me to acquire a copy of my credit report from Equifax and why there are so many restrictions to accessing my credit report from this Company? The information on XXXX  is not accurate. There is no PDF format for the form, although the website states the form is PDF. I am a XXXX veteran and this entire process is antiquated and impossible for a person with XXXX XXXX  and XXXX to complete. Equifax is reporting untrue Public Information on me and I am being denied credit as a result. I have been denied access to my Equifax credit report by Equifax and denied access to my Equifax credit report by XXXX  because their on-line process and form to file by mail with Equifax is defunct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Have a PNC Bank XXXX debit card that expires XXXX. PNC sent me letter stating that they will not issue me new card unless I call in to activate. However, when I phone XXXX it states that my ability to activate has been suspended. I have phoned the number on the back of my card at XXXX multiple times and either the call center is closed or I am put on hold for a long time. Please have PNC Bank activate and issue me a new card when my current one expires XXXX. PNC bank should have a 24/7 operator for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Reporting company used your report improperly

Complaint:
I went to check my credit card balance on my XXXX XXXX card and {$600.00} dollars of my credit limit was gone. I called them immediately and they said it was because of my Fico score. I don't know if they pulled my credit score but they are one of my creditors. This was on Friday the XXXX of XX/XX/2023.

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 2023-03-10
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: Old information reappears or never goes away

Complaint:
After navigating through Experian 's incredibly intentionally misleading and confusing website, all designed to trick me into signing up to pay them, I see that even though I filed a dispute about incorrect information, which they agreed to remove through the formal dispute, it is still up there! Also Experian is so focused on trying to trick me into paying them, I can not find any way of even getting notified of attempts to access my credit even though I am the repeated victim of ID theft. For a company that has in the past provided my information to be used to commit fraud in my name this is wholly unacceptable. Also I can not even extend the very limited 1 year fraud alert until it expires. It certainly appears that Experian is trying to do everything they can to make sure my information is available to anyone who requests it.

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 2022-02-18
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 XXXX data breach and may have gotten into hands of the wrong person.

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 2023-07-21
Company: Chime Financial Inc
State: MA
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:
On XX/XX/2023, I received an alert that there was a {$330.00} cash advance on my Chime XXXX credit builder card. I reported the transaction as fraud to Chime to support and locked my card and changed my pin. Since then I have called and emailed Chime with no help. I have gone to the merchant and they called Chime directly to report it was a fraud and gave them the contact information to call the merchant back to confirm. Chime has continued to state that the transaction is valid and I need to pay the {$330.00}. I contacted the merchant to see if they were contacted by Chime and they confirmed they hadn't been. It has been a financial nightmare and I believe my card Chime XXXX XXXX was skimmed and used at this merchant 's atm. I have asked Chime XXXX to request the pictures from the atm and they have not. I asked Chime XXXX to contact the merchant for proof of the transaction and they have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
About a decade ago XX/XX/2012 I was forced to do a loan modification with my mortgage lender in order to be able to keep making the payments for the house. My lender was XXXX, we went for a few months negotiating terms that they could agree with and payments that I would be able to make. They wrote up the Loan Modification Agreement that had me making payments for 90 days and there after upon completion of their proposed agreement I would have a New Principal Balance {$350000.00} that I will be making payments and a deferred balance of {$65000.00} that I was responsible once I payoff my loan or if I would sell or refinance the house. Interest become better than the terms I had the loan modification for and I was able to refinance the house at a better rate. However out of nowhere there is a company called Real Time resolutions asking for payment that according to them XXXX never closed and still pending payment and now they are asking for {$200000.00} or they will move with foreclosure which I don't understand since I was never aware because whenever I did my Loan Modification I was under the assumption XXXX had everything wrapped up. I tried to find answers from XXXX but they went Bankrupt and doesn't exists any longer.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

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: EQUIFAX, INC.
State: NC
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 AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED IN THIS REPORT IS INFORMATION THAT I HAVE NO RELATION TO, which violated FCRA LAW 609e and 605b. UNDER THESE LAWS THIS INFORMATION MUST BE PREMANENTLY DELETED FROM MY CREDIT REPORT WITHIN 4 business days. I HAVE CONTACTED MY ATTORNEY WHO WILL FOLLOW UP WITH EACH AGENCY WHO IS REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT. UNDER FCRA 609a, these companies have failed to provide me with any original signed documentation stating that i owe a debt to any of these creditors or allowed them to run my credit report. Please handle this matter in a promp manner as i will be following up. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT INVOLVING EACH AGENCY REPORTING FALSE INFORMATION XXXX I have attached my ftc report as well as identity documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EarnUp Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
My husband and I recently gave a mortage to VIP Mortgage. After receiving a letter from them on how to set up my automatic payments went on line to do so. Entered the website name XXXX after going to that site I clicked on the area to set up autopayments. this took me to a web site called Earnup.XXXX XXXX XXXX XXXX & XXXX & XXXX .I could not get it to so i called the help line. Unfortunently i did provide personal information to them until i figured out i was not speaking with a VIP representative. The person i was speaking to said i hade to pay them to have my autopayments made. I told that person i thought i was talking directly to VIP and hung up the phone. I then called VIP and that rep had me put in the same website address XXXX  and the correct address came up. He said somehow this other company that had shown up when i XXXX the website was a wrong site. I did work with VIP directly and that problem is solved. i then called Earnup and told them i had given them important personal information. i was assured that the information was not kept and the account at their site was not finished. The person i spoke to was XXXX. i am very upset that companies can lure you into their site by using a valid site set up by another company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached Transunions NOTARIZED Identity Theft Victim Affidavit. Furthermore, I have sent many many Consumer Financial Protection Bureau complaints on XXXX, XXXX, and Transunion regarding XXXX theft of cards, identity theft, impersonation, fraud, and forgery. See attached XX/XX/XXXX letter from XXXX. XXXX refuses to provide my request for information on payments made, phone conversations, and person making payments due Chases privacy policy. My private account but a privacy policy for someone making payments on my account which is totally void of common sense and justice. Thieves have more rights than the victim. This information would allow the fraud to be proven. XXXX continues in the XX/XX/XXXX letter by claiming to have processed the fraudulent payments correctly. How can XXXX make this statement and at the same time deny information that would prove the fraud? XXXX continues in XX/XX/XXXX letter by stating phone number ending in XXXX had been removed shortly after the theft and XXXX doesnt know how they obtained phone number. This lacks protection for my account. XXXX incorrectly listed last four digits of phone number in this letter as XXXX but as XXXX in previous letter dated XX/XX/XXXX. Now look again at Transunions NOTARIZED Identity Theft Victim Affidavit reflecting also XXXX XXXX XXXX XXXX. Now look at the attached XXXX XXXX XXXX XXXX XXXX Application. See phone number, XXXX, and email address, XXXX. It is the same phone number. Now see all information for this XXXX XXXX XXXX aka XXXX XXXX XXXX. Credit Card abuse, forgery, impersonation, & false pretenses and is currently in a Mississippi jail. The XXXX card was stolen, used, fraudulent payments made, and phone number was allowed to be changed allowing control of the card.

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 2023-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2022-10-07
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX, I was asked to pay a debt by MRS Associates on behalf XXXX XXXX XXXX XXXX. Thats a debt that never was mine, I canceled my plan because they were charging me a nonsense amount of money each month. When I canceled they said I was fine and I had no debt, now this entity MRS continues to call me to collect a debt and people from XXXX is calling me all the time, they do not talk to me about the issue when I try they keep saying to pay the debt with no intend of listening. Now my credit went down XXXX points and it is unpleasant. Never had a collection debt or delinquent debt before.

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 2018-02-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I recently received a {$100.00} settlement check from Citibank. This check was a refund for the credit protection plan that I purchased. When I tried to use the credit protection plan, i was denied. This denial has cost me thousands of dollars and a lot of stress. It ultimately resulted in garnishment against my wages. I do not want to accept this settlement, which looks as if it was initiated by CFPB. I have contacted a lawyer and we need to know if this settlement is my only means of recourse -- i.e. can I bring about a lawsuit on my own. 
I have not and will not cash that small sum. The shame, embarrassment, strife and stress that has been caused in my life are worth more than a {$100.00} reimbursement of payments made. 

After being denied usage of the consumer protection plan that I paid for -- for years, I contacted a credit counseling agency. Every credit card I had accepted the arrangement -- except Citbank. As noted on the attached file, after contacting consumer credit counseling, I made payment arrangements with Citibank. Instead of those payments being applied to the account ... a partial deferred action was placed ... so I was paying {$300.00} plus a month and nothing was being taken off of the account. I fell behind and couldn't pay.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Attempts have been made to the Credit and the Credit Bureau concerning this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
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:
I am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX was removed from my credit report because it was fraudulent but they added it back it shouldn't be on my credit report it's fraudulent

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