BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report.

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 2023-07-12
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2023, I received a text message from my mother a picture of a Chase letter stating to send additional information for the application to be submitted. I had not submitted an application to Chase bank. The application was submitted using my name, my mom 's address, and our previous home phone number that is no longer in service. This is how I received notice because it was sent to my mom 's address. I looked at my credit report and identified a hard injury by JPMCB Card services on XX/XX/2023. This is when I realized someone had stolen my identity. Looking at my credit report on XXXX, there is a section labeled as Account Review Injuries. On XX/XX/2023 and XX/XX/2023, XXXX is listed. I have never used XXXX and was unaware of what XXXX was. I have now learned that it is a credit website where I believe they created an account using my personal information. I have sent the customer support an email and am waiting for a reply. Using XXXX, a credit alert for JPMCB Card and card services on XX/XX/2023 and XX/XX/2023. I have filed a police report on XX/XX/2023. I called Chase and am waiting to receive a letter to verify the cancelation of the application. I have placed a fraud alert on XXXX, XXXX, and XXXX. I have also frozen my credit on all accounts. And am currently calling to dispute the hard injury and label the address and home phone number as fraud. I will be contacting my three lines of credit and my bank. I plan to send in the information to extend the seven year fraud protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Reliant Home Funding, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed on a home, in PA, with my husband. Our mortgage lender was Reliant home funding and XXXX XXXX was our loan originator. We emailed and questioned him, on XX/XX/XXXX regarding our mortgage interest rate and closing which did not match the rates advertised, on their company website. Our proper interest rate factoring our credit scores, as per their website should have been 5.5 %. XXXX XXXX advised us to disregard their websites and only 20 % down is considered acceptable to get that lower interest rate although this was not mentioned on their website. We also paid over {$4900.00} for mortgage points which was not applied explicitly. 
Furthermore, our original signature closing Promissory note document was lost by XXXX XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I inquired about the lost closing Promissory note document, over the phone, at about XXXX, with XXXX XXXX who then violently slammed the phone, on me for daring to ask about the lost closing document. I saw a return call from him at XXXX which i declined to answer after the phone slamming. On XX/XX/XXXX, I called the Reliant Home funding office, to complain about XXXX 's home closing evasion and rudeness. The supervisor named XXXX on XX/XX/XXXX also refused to take my complaints, on the lost closing documents and XXXXXXXX XXXX behavior and told me to get a " lawyer to get his email ''. XXXX XXXX did send me a photo copy of the closing document not a color photo original. I feel these deceptive practices on the closing and interest rate are motivated by my racial alignment and gender. Our mortgage debt was of course sold to ( XXXX XXXX ) to hide facts although it is their right to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX  XXXX {$0.00} XXXX XXXX {$310.00} XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: OH
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-25
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed 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
Consumer complaint received 2020-07-17
Company: Square Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2020 Cash app linking to bank account unsuccessfully because the bank or the cash app people have it blocked i have XXXX dollars on my cash app card that needs to be deposited into my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
the issue involved protection of a computer purchased from XXXX. 
i had bought a computer from XXXX  a couple of years ago.when i first called and was instructed from XXXX XXXX  XXXX on phone to bring cable down and they said they will check it.so i drove to them and when i went into store they said we don't do that here.so then i drove to XXXX  XXXX  and they checked it and said it was fine.so i called XXXX  in XXXX and spoke to a person explaining i need a new computer so i brought everything to them.and said i need all documents transferred to new computer along with many disc and they said they would do that.after doing all this i was having the same problem with computer could not get on.it was the screen that they never checked.i ran back and forth to the store over 10 times spending over XXXX in gas and my time.in one of the time the guy told me it was fixed and needed to come down and put my password in.so i did and it was not fixed.i was XXXX.so i used my amx card so i would be protected and they did nothing! i sent them information in writing from store manager what they did not do to amx. 

i fought this for over two yrs and amx did nothing to help me with this problem.but the company XXXX  refunded me XXXX for what happen this is what amx should have done.after this amx wanted full payment of the whole bill when it was always monthly payment.then one day i get a call from someone saying we want payment from a collection agency.never received a letter and i am dealing with amx i did not no if this was a scam.so i have been making payment ever since this all took place did not miss payment i have all record of payments to amx. every month.on top of everything else on the statement it says i quote { this statement is for information purposes only.this is not a bill } THATS FRAUD THEY HAVE BEEN CASHING THESE CHECKS! AND THIS I BET HAS HURT MY CREDIT SCORE.THIS IS A VERY CROOKED COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX charged my extremely high insurant rates so I canceled my XXXX Homeowners insurance. XXXX XXXX owed me a refund of {$8900.00}. They refused to deposit it into my USAA checking account and said they needed to send me a check, by-law! 10 days later I received the check. I did a mobile deposit into my checking account on XXXX XXXX USAA Banking is refusing to release {$6400.00} back to me. This money is needed in order to pay off the new insurance I had to acquire after I had to terminate XXXX  as my insurance holder. 
They are citing that I had prior returns as the reason why they will not release the money back to me however those mistakes were due to their banking errors and no fault of my own. 
I want the immediate release of my funds and I want USAA to reimburse me for late fees and interest that I am occurring as a result of the holding money that is rightfully mine. 
Since they are refusing to allow me to use my money I want sanctions and any negative action documented and reported against them as poor business practices. 
This is outrageous that they feel they can hold money that they took from me and had to return it to my by law and are now NOT allowing me to use my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have 100 % left to pay on this collection. 

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 Info Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account. 


Account Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Account status- Open Type- Derogatory Responsibility- Individual Remarks- Account information disputed by consumer, meets FCRA requirements Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2022-01-21
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My mortgage company Selene Finance been with them since XX/XX/2020 and did not receive a statement and they do not report my payments to the credit report. When I try to refinance my house banks could not find my payment history on the credit report and I do not have any statement to show them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Personal information incorrect

Complaint:
I have sent a XXXX letter to Experian about addresses that I am disputing because they are inaccurate. I have never lived at any of these addresses and ask them for validation of how they are verifying this addresses with no response other then the same form letter they sent before. The addresses are : 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 I would like these addresses deleted from my credit report because they are 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 2022-11-05
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:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX Experian Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXXXXXX XXXX  Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Panamerican Consulting
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I, was " Solicited " by A Letter in the Mail back in XXXX of XXXX  The Letter offered a Personal Loan- ( Consolidation-Loan ) So, I, Called the Phone Number and Spoke to a Consultant by the Name of XXXX from Panamerican Consutants LLC of Califronia XXXX 
He Said that He would not Reccommend a Consolidation Loan but Offered a " Debt-Reconciliation Program '' This Program would Cost me {$320.00} a month for Sixteen ( 16 ) months! So, I set that up thru my XXXX XXXX XXXX XXXX XXXX as an " ACH-Payment " Payable Once a Month on the XXXX of each Month! So, I have Paid 8-Payments so Far- -- > XXXX $ XXXXXXXX XXXX XXXXXXXXTotal Payments! Last Monday I discovered a Disclaimer on the Regular Website of this Company, so, I, called XXXX Back and asked him about the program and what Am I, getting for my monthly payments? I, do not see where I am Getting any Benefits? 
I, told XXXX that I, was under the Impression that when a Debtor sells off my Debt, I thought they would " Negotiate " a Payoff? 
Their " Disclaimer " says " No " So, I, believe that this is a " Scam "? 
And I, would like a Full Refund? ( $ XXXX XXXX XXXX XXXX XXXX!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ct XXXX ( XXXX ) ( XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief