BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted Experian Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting Experian I am just given a run around, such a unethical behavior and unprofessional service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During XX/XX/XXXX, I requested a modification of my mortgage loan. XXXX XXXX XXXXXXXX sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XX/XX/XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

XXXX XXXX XXXXXXXX, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX paymentsXXXX XXXX XXXX XXXXXXXX failed to send XXXX of XXXX, but sent XXXX from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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 had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted Experian and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on Experian and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.

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 2020-10-01
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 had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Information was stolen after being thrown out of my home. Been trying to reach credit company to close accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-08-18
Company: EQUIFAX, 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:
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I'm trying to do an international transfer using XXXX from my PNC bank account to my bank in XXXX. 
The first time I did this it worked fine. Now when I try to do a second transfer, then PNC will not let XXXX  connect to PNC. I guess they don't like competition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: OR
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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since XXXX. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports XXXX, TRANSUNION or XXXX, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( XXXX ) All Collection Companies such as XXXX  XXXXXXXX XXXXXXXX ACCOUNT # XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 want to report identity theft again, they applied for a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is affecting my Credit in a negative way, I have already reported this situation and I have not received any solution since it keeps happening, I already reported it to RobodeIdentidad.gov, to social security to report the fraud with my identity and social security number, to XXXX but it keeps happening and affecting my credit report. I called XXXX and they didn't give me a solution either. I appreciate your help as it negatively affects my credit report. The last credit application was for a vehicle Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We have a XXXX American Express XXXX and pay an annual fee of {$250.00} Included in that fee, as described in the perks is an annual companion ticket. 

Companion Certificate Receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. * *Payment of the government imposed taxes and fees of no more than {$80.00} for roundtrip domestic flights ( for itineraries with up to four flight segments ) is required. Baggage charges and other restrictions apply. See terms and conditions for details. 

We have tried to use that ticket for a trip to XXXX, XXXX and were told it could not be used for a trip to XXXX, XXXX. There are no such exceptions listed. 
We have talked to Amex who said XXXX was in charge of thatwe spoke with XXXX and they said, Thats not eligible for the companion ticket - no explanation given or rule cited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase basically denied a claim that was literally two discharges on the same day as a fraudulent charge despite me not getting my card back the same day and they refused to reopen the claim after they failed to properly investigate it the first time and the second time they were so close to fixing it but let two charges stop them from successfully doing what they were supposed to do now I no longer wish to do business with this horrible example of a bank who doesn't take claim seriously enough to understand that information was omitted because they didn't know it at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been with Bank of America since 1983. I have my HELOC with them. They recently ( Couple of months ago ) had a change of Account numbers. My account still is not updated. They show a balance owing to them and they have put chunk of payment {$19000.00} in Suspension? I talked to four reps at different time in the last month alone after holding at least for an hour. Also I sent them several E-mails via my account. Couple of times I was disconnected by reps after 60 minutes of holding. Still my account is messed up. 
Bank of America is holding my payment of {$19.00} k in suspense for last 2 months. When I talked to their rep about a month ago, she told me that if I were to close my credit line, I have a balance of {$28.00} owing to me. But I continued in the hope that subordination pending since last month will be approved. Since that talk, I have not made any transactions from this account. I just received my HELOC statement. They are asking me to make a payment of {$72.00}, whereas I have a balance of {$28.00} owing to me. 
What a sad state of affairs. You can't reach any executives. I would like the regulating body to look in to the practices followed by this bank. It is a mental torture for me. I spend sleepless nights on hard earned XXXX payments not accounted by Bank. I have spent almost 20 hours on clearing but have run post to pillar with no headway. I am enclosing statements from Bank of America for 3 months for your analysis. Thanks for the help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies have frequent inquiries on my account at least once a month since XXXX 2021. This has resulted in many unsolicited credit offers and the appearance that I need credit. I was recently turned down for a car loan by XXXX XXXX XXXX even though I have excellent Credit ( XXXX ) List of offending parties ; # of credit inquiries since XX/XX/2021 ; phone # XXXX XXXX : 12 inquiries ; ( XXXX ) XXXX XXXX XXXX  XXXX20 inquiries XXXX ( XXXX ) XXXX XXXX XXXX : 71 inquiries ; ( XXXX ) XXXX XXXX XXXX27 inquiries ; ( XXXX XXXX XXXX XXXX XXXX:27 inquiries ( XXXX ) XXXX XXXX XXXX : 24 inquiries ; ( XXXX ) XXXX I need these inquiries removed/stopped, unless initiated by me. 
Regards

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 2020-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The XXXX XXXX account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent

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