BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The company offers minors much lower savings account rates ( around 0.1 % to 0.3 % ) than adults ( up to 3.4 % ). Company representatives stated that minors can only be secondary account holders for higher yielding savings accounts and CDs, which would make the adult primary account holder responsible for tax on the minor 's income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: DISCOVER BANK
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX was installed on my XXXX and laptop computer. I tried several attempts to clear out the XXXX. They can bypass security software. They have installed hidden icons, which cant be located. They ordered credit reports with my credit card. Charged purchases on my XXXX, XXXX and Discover credit cards. Im so confused and frustrated on how to get this problem resolved. I have contacted XXXX numerous times and the manufacturer and XXXX to resolve. They were unable to resolve. This has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} 2. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: JPMORGAN CHASE & CO.
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:
Chase auto finance has violated my consumer rights by failing to comply with federal laws that protect consumers. Specifically, they have violated 15 USC 1666B, which requires lenders to provide notice of changes to account terms at least 21 days before the effective date of the change. Despite this requirement, I have never received any notice from Chase auto finance within the required timeframe. I am now requesting verification that they sent out a letter within 21 days certified mail so that I would have received it on time.

Additionally, Chase auto finance has violated 15 USC 1681a, which defines consumer reports and sets rules for their construction. According to this law, consumer reports do not include reports that contain information about a consumer 's transactions or experiences with a particular creditor. However, it appears that Chase auto finance has included such information in my credit report, which has had a negative impact on my ability to obtain credit.

Despite my efforts to resolve this matter with Chase auto finance, they have refused to address the issue and have been in willful noncompliance with the law. As a result, their actions have injured me by hindering my ability to live in the working world through increased interest rates, and by defaming my character and making it difficult for me to acquire credit cards and other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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. 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 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 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I have 2 complaints. Today I received an updated copy of my XXXX  and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my XXXX  credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is Bank of America is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( bank of America ) keeps updating for other years which causes this fraud account to keep reappearing

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 2020-12-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC Bank treated me so unfair. To start with, I was a victim of a fake employment scam that was even on XXXX XXXX XXXX XXXX. The 3 scammers sent me two checks and I deposited the checks. In the meantime they told me to XXXX them payments to purchase equipment and office supplies. The checks were fake and some days later they were not paid. I was left with a negative balance on my checking account of almost {$7000.00}. PNC took my Social Security pay twice as well as my remaining savings account balance. I was left then with a balance of approximately {$2500.00}. PNC would not refund me the money I was scammed out of because they were XXXX payments sent and XXXX XXXX gift card. I negotiated with them on the collections and they agreed to deceased the amount owed to {$1600.00}. I paid PNC all of the balance due in 3 payments of {$540.00} each month for 3 months until paid. I was scammed and it was not my fault or doing and I did pay PNC. 

I believe PNC Bank flagged me as a result of this and messed up my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my account for no justified reason. I am seeking to have my account with XXXX XXXX XXXX  unflagged and restored as well as any other creditors or banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Bridgecrest Acceptance Corporation
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:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

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 2023-04-19
Company: TOTAL MORTGAGE SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently working with Total Mortgage regarding my loan modification due to COVID-19. I gave them all necessary documentation and was told my payment would be lowered by {$200.00} from {$3300.00} to {$3100.00} dollars. When filling out the documentation, I requested my payments to be returned to the original amount of the refinance contract of {$2800.00} that had been increased because of the misinformed representative that told me not to pay my equity while XXXX XXXX XXXX XXXX XXXX XXXX 2020. In addition, while my account was on forbearance they informed the 3 credit bureaus that I had a month of late payment which gave me a negative rating. I requested it to be removed being that by law its not supposed to show any negative remarks while on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have 2 complaints. Today I received an updated copy of my XXXX  and TransUnion credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off TransUnion however it is still reporting and updated on my XXXX credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX   XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing

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 2020-09-29
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX extended credit in my name falsely at the following addresses and now refuses to acknowledge the identity theft that has taken place. Unbelievably allowing someone else to use my name and social to open 3 different accounts and 3 different addresses at the same time and not suspecting a thing. XXXX XXXX now wants me to pay the Identity theft debt. I have never lived in Virginia mailed bank statements to XXXX as proof along with my drivers licence etc. After completing proof of residency and sent back statements etc. to no avail. XXXX insisted on a police report dispite the local police saying they would not take one because it occured too long ago and that they could not investigate such a crime. 

The negative mark is still on my XXXX  credit report. 

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1600.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I got a alert stating that Experian place a fraud alert on my report, ( XX/XX/2014 ) i call and ask them why was the fraud alert on, so the rep told me he was pass on by XXXX  and XXXX  and the only way they can take it off of i mail in my id with a letter asking to remove, so i call XXXX  and XXXX  directly after Experian told me that one of the other bureau reported it, they both stated no they dont know where Experian get that from and that i have no fraud alert on neither other 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I disputed several accounts on my report with Experian, XXXX, and XXXX. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: North State Acceptance, LLC
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: Account information incorrect

Complaint:
Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've sent two dispute letters to this transunion disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account. 

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine. 

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO TRANSUNION, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt. 

I'm now asking the CFPB, FTC and XXXX  to step in and demand this comsumer reporting agency delete this account. 

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names. 

Thanks

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 2023-04-19
Company: EQUIFAX, INC.
State: MO
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, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
During the pandemic, my loans were placed on 0 % interest and in forbearance. However, I continued to make monthly payments and was able to pay off down my loans. 

Last week, I applied to recertify my XXXX plan. Immediately following my application, I was sent a two sentence notice that stated I did not qualify. There was no guidance in what I was qualified for to help with trying to " guess '' what my repayments would now be given that the forbearance is ending and that I had paid down some of my loans during this timeframe. 

I tried to utilize the calculator but it provides ranges of monthly payments. There is no solid answer until the actual loan turns back on for repayment and I'm told here is what you have to pay... so YOU figure it out. 

I've never missed a payment. I didn't vote for XXXX because he promised " forgiveness '' of loans, and I'm not out there promoting the legislatures who are trying to have loans blanketed " forgiven. '' I literally just want to know what my repayment amount will be with an ample amount of time to adjust my finances accordingly on my end. It is unfair to me and the other individuals out there who are trying to repay their loans but can't get a straight answer. I understand " COVID '' and " other factors '' have contributed to the problems were are seeing with loan servicing providers ( and for that, the rest of this nation and world ), but how can you expect a consumer to repay a loan with the click of a switch, without knowing in advance what that prepayment amount will be? How can a loan servicer expect their consumers to balance between mortgage/rent, gas, rising energy costs, rising food costs, and pay down their debt with stagnant wages? 

All I am literally asking for is my repayment amount with some advance notice to readjust my monthly expenses so I know where I have to cut costs to afford the repayment because right now I'm left guessing with a spectrum of what it could cost for repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: MI
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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