BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An AVANT credit card was opened in my name on XX/XX/XXXX. Three charges were made on the card : XX/XX/XXXX, XXXX, XXXX New Hampshire, {$400.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$50.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$46.00} A new address was added to my credit report on XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Ma. XXXX I have never lived at this location. 

I did not open this card. I live in Florida and I did not make these charges. I never received a bill or notification about the charges from AVANT. I became aware of the fraud when my credit score started to plummet. I contacted AVANT and asked for a paper statement to be sent to me and AVANT refused. I obtained the information above through numerous phone calls and by pulling a credit report from XXXX. I have opened complaints with XXXX and XXXX and AVANT. AVANT has closed the account and reported to XXXX that I am responsible for the charges. I called XXXX and they opened another investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal has reported XXXX late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/XXXX 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
THIS ACCOUNT IS NOT MINE *XXXX  - XXXX THESE INQUIRIES IS NOT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-26
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: Public record information inaccurate

Complaint:
I was a victim of identity theft and false and fraudulent bankruptcy ( XXXX ) was reported to my credit report. I have filled a police report and a ftc report and given it to the credit bureau and TransUnion said it would be disputed and never heard nothing back in 2 months. Called again and filled another dispute. And then I couldnt access my report at all through TransUnion website. And now its being reported on XXXX also

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 2022-05-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello How are you doing I was having a problem with PayPal. A consumerfinance complaint was filed and I was talking to PayPal and the paradise was told that I was allowed to withdraw the funds in an account on XX/XX/2018. An email was received by PayPal telling me to allow me to withdraw money from My PayPal Account You have entered my PayPal account to add Visa Card to withdraw the amount from the account but when I enter the card information I receive a message that you can not withdraw the money because the account has restrictions and can not be withdrawn Contact the customer service agent to find out why you told me The employee will be contacting the president 's branch company to find out why she is not On the withdrawal of funds and told them that I want to cancel the email added to my account in order to get money because I work in profit sites from the Internet on a regular basis and this company send me money through PayPal, but you must enter the email in the account of PayPal in order to add money She told me that the president 's branch would be contacted and that a complaint would be made to solve the problem. I was told by a message from PayPal that when I looked at my email I received a message from PayPal telling me that I could not withdraw the money after 180 days. The money back if he wants to ed The funds are illegal in the accounts and did not respect the words that I tell you, and told me in the same number XXXX the case that tells the PayPal that I have been to allow the withdrawal of money These photos about the messages that I received from PayPal have been attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-06
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
On XX/XX/XXXX, a XXXX  meeting was held in regards to a Court Order involving the foreclosure of home equity loan. I represented myself at the meeting and requested that the lender, PNC Bank provide validation of my mortgage loan. PNC Bank had recently purchased the loan from Compass Bank. I asked PNC to show the delinquent payments in the form of individual monthly mortgage payments, rather than a lump sum of past due amount. I believe the amount of the delinquency was greatly inflated and did not represent the amount owed. At the Judge dismissed the Court Order to foreclose and asked us to work together. The Judge instructed PNC Bank to validate the mortgage loan according to the guidelines. During this time I was undergoing XXXX XXXX  at XXXX XXXX in XXXX, Texas. I did not hear from the mortgage company during the remainder of XXXX. They did not provide a debt validation letter. Instead, they proceeded to manipulate the loan by removing my home equity loan from the Judicial Court requiring a Court Order to foreclose to the county court that did not require a court order. At the end of XX/XX/XXXX, the bank scheduled foreclosure sale of my home for XX/XX/XXXX. I learned about the foreclosure a day earlier and filed XXXX XXXX Bankruptcy to stop the sale. I proceeded to get HUD counseling and debt remediation from PNC Bank. The XXXX XXXXXXXX was lifted because my attorney did not follow guidelines. As soon as the stay was lifted PNC bank set another foreclosure sale date for XX/XX/XXXX. I tried to work with the bank. I would soon be finished with XXXX XXXX  and that I would be able to earn income. The bank informed me that there was nothing I could do and that they would proceed with the sale. However, my previous XXXX XXXX had been lifted because my atty failed to file papers. Because of this neglect the stay was lifted and the PNC bank instigated another foreclosure sale date for XXXX XXXX. This time I refiled XXXX XXXXXXXX Bankruptcy to stop the foreclosure. The bank is not willing to help me. They insist on foreclosing on my home. I have spoken many times with the bank and the only solution they have is to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: GA
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 reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 SC 1681 Section 604 A Section 2 : It also states a consumer agency cant furnish an account without mv written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for 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 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} ; OFFICE OF THE ATTY GEN XXXXXXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.

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 2017-04-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Other fee

Complaint:
Hello, I paid off my credit card balance in full per their statement only to get a bill for a fee. I was carying a balance and had been charged fees for carrying that balance, which was my motivation to get it paid off. I called Chase regarding this fee and they basically said to bad. I argued the fact that I paid the balance in full according to their statement and should not have to pay the fee as it was not on my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
In according with the fair reporting act conversion accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

Experian, XXXX, and XXXX all have listed hard inquires without my authorization.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
IN THE BEGINNING OF COVID-19 I WA STRUGGLING TO MAKE MY MORTGAGE PAYMENTS DUE TO THE FACT THAT FIRST OF ALL I HAD LOST A FEW FAMILY MEMBERS DUE TO THE AWFUL COVID, I MYSELF WEBT THRU COVID, AND TO COMPLETE IT ALL, I LOST INCOME COMING IN TO ME. 
I REACHED OUT TO WELLSFARGO REGARDING THE FACT INWAS STRUGGLING TO MAKE MY MONTHLY MORTGAGE PAYMENTS IF THEY COULD AT LEAST EXTENT MY MORTGAGE TO EXTRA YEARS IN WHICH IT COULD HELP LOWER MY MONTHLY PAYMENTS INTO A MORE AFFORDABLE AMOUNTS. WELLSFAGO DECIDED TO PROVIDE ME A FORBEARANCE WHICH JUST ADDED MORE TO MY ALREADY HIGH MORTGAGE BALANCE. THEY COULD HAVE EXTENDED MY MORTGAGE AND I WOULD NOT BE PAYING STRUGGLING MONTHLY PAYMENTS.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I was in XXXX training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: SYNCHRONY FINANCIAL
State: AL
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 found out thru XXXX Credit Reporting that Companies had checked my credit without my permission. I am a victim of identity theft. It is reported on all 3 credit bureaus. They must call me before they check my credit to get my permission before they check my credit. I have a block on all three credit reports but someone is still checking my credit to obtain credit on me. XXXX and XXXX also have the same that someone is trying to get credit on me which is bringing down my credit score and interfering with my credit. There is a written statement on my credit reports to contact me before they check my credit, I would have told them I did not apply for any credit from them at any given time. Credit that I have, I gave permission for these companies to check my 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 2018-08-13
Company: CITIBANK, N.A.
State: RI
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by CBNA/Best Buy of a fraudulent application submitted with his information without his consent XX/XX/2018 that resulted in a fraudulent related inquiry into his XXXX  credit report. A formal dispute of the inquiry was mailed XX/XX/2018 and Best Buy has confirmed the dispute was received however Best Buy has now exceeded the 45 business days allowed for investigation as outlined under the FCRA. This action is a violation of federal consumer law and my clients rights.

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 2021-06-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company continues to call my home at all hours of the day and night. I have repeatedly asked this company to stop calling my house. I have sent them letters in the past also asking them to stop the harassing phone calls.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation