BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.

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 2021-07-23
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:
My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX LA ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. Equifax is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX LA ( who is still refusing to close the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Back in XXXX I believe, I had opened an savings account with XXXX credit. Where I had to make monthly payments to XXXX  and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was tellingXXXX describing to me. They then told me it was a XXXX XXXX credit card and I told them I had a XXXX  saving account but no card. Was denied the home loan. I then reached to XXXX  and the number that was connected to the account on my credit report was connected to a prior employee at XXXX that hasnt worked there in XXXX  years I called the number and he was telling me that. I then XXXX XXXX phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX phone number for this business. Ive let XXXX know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a XXXX  card. I recently just received a XXXX $ Check from XXXX and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.

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 2022-03-27
Company: Nelnet, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted Nelnet and XXXX numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All Nelnet accounts they are reporting are over 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Information belongs to someone else

Complaint:
I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2023-02-08
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX, I hope this email reaches you in good health and spirit. My XXXX card was hacked. Im not even for sure if all the over drafts are mines and despite I still fixed my account several times. It takes time for me to transfer money in to my account its no atm to put cash in. I feel that Im being discriminated against. The last negative on my account was only negative for 4 days I had no time to fix the {$18.00} it was not negative for 30 - 40 consecutive days. So Im confused on the charge off closer except Im being discriminated against. They are stating they are going to close my account and I been constantly fixing it despite ( because I didnt want my account closed ) if its mine or not due to the hack. I have had to get new bank accounts as well as credit cards due to the XXXX card hack and XXXX  is aware. They advised they can not put a fraud alert on my account. They kept repeating the same thing to me like Im XXXX that my account will be closed despite me fixing it and that they are going to report me to XXXX XXXX. The agents ( supervisor ) had no empathy, understanding or anything they were extremely rude. They werent even listening to me. Im trying to rectify the negative ( over draft ) and explain my situation how my XXXX card was hacked and despite if the charge were mine or not I been fixing it. I really need to speak to someone that can help me and not discriminate against and speak to me like Im 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 2018-02-17
Company: PENTAGON FEDERAL CREDIT UNION
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:
XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.

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 2023-10-02
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: PA
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 Experian, XXXX and XXXX, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I received a text alert with a web link from a hacker posing as JP Morgan Chase. The text alerted me that I needed to take immediate action to unlock my account. In order to unlock my account the text message requested I click on the link and send a picture of my State ID, a picture of my debit card ( front and back ) and also a photo of myself without glasses or headgear. The steps I have taken to prove to JP Morgan Chase that I was a victim of fraud are as follows : On XX/XX/2022 Hackers compromised my account and withdrew {$4000.00}. 1. ) I realized my account had been compromised on XX/XX/2022. I also contacted Chase on this date. Results : The Chase representative then opened a dispute on my behalf and stated I should hear from them in 3-10 business days. On XX/XX/XXXX Chase sent me a letter stating they closed my dispute because they believed the transaction was authorized. 2. ) On XX/XX/XXXX I visited the Chase Branch to speak to a representative regarding the letter. Results : The Chase representative provided the fraud department 's phone number. 3. ) On XX/XX/XXXX I called the fraud department and they requested additional evidence. I then provided a screenshot of the text message I initially received, a screenshot of the email I received when the hackers created a XXXX wallet, and a full description of the incident. Results : The Chase representative that they would re-open the dispute and re-investigate the claim, and would hear back from them in 3-10 business days. Results : On XX/XX/XXXX I received a second denial letter from Chase. 4. ) I called the Fraud department and requested to speak to a supervisor, and they transferred me to XXXX, from the executive office, who requested me to email all the proof I previously sent to them. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed. After an exhaustive process with Chase with no resolution, I decided to report it to the XXXX Police Department on XX/XX/XXXX. On XX/XX/XXXX, Detective XXXX launched an investigation and issued a warrant to Chase to retrieve the ATM surveillance footage from the day the hackers illegally withdrew money. On XX/XX/XXXX I contacted Chase regarding the Police report and they requested I send over all the previous documents including the police report. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Mercedes Benz Financial Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Creditor : Mercedes Benz Financial ISSUE : Mercedes Benz Financial is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XXXX XXXX 
Mercedes Benz Financial took until XXXX XXXX XXXX  to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
Mercedes Benz Financial continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXXXXXX XXXX by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with Mercedes Benz Financial via phone and mail. I have also disputed over and over with XXXX, XXXX and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
Mercedes Benz Financial representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
National Credit Adjusters reported a fraudulent account from XXXX XXXX on all three credit bureaus. They must have purchased the account and then reported it as accurate. This is a fraudulent account - National Credit Adjusters are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting fraudulent information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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 have contacted Experian numerous times over the last year via disputing on their site through their portal, sending certified letters and now im am having to resort to contacting regulators. I have multiple items on my credit report that are incorrect from apartment collections, credit card collections, inquiries and more. This is outrageous, abusive AND deceptive. I have suffer immensely over the last year because my creditworthiness and reputation has been so badly injured. I can't get any loans, credit cards NOTHING to support my family because Experian refuses to do its job. I have had to reach out to each company furnishing my information and have already uncovered ONE case of fraud on an account that Experian REFUSED to investigate or reinvestigate. I was never provided any proof this debt was valid yet it came back valid everytime. This is out of control and you are not holding up your part to make sure my report is at maximum accuracy. Despite me reaching out over and over again I have had to essentially do your job. I will need ALL inquiries removed up until XXXX XX/XX/ I did not authorize these. Any collections that have occurred up until XXXX needs to be deleted unless a FULL investigation is actually performed and I will require ALL neccessary documents or I will be lawfully handling all situations moving forward. All closed accounts, collections and inquiries need to be removed NOW! I have attached one of my findings that I had to remove on my own. If I have to continue this process of removing each item on my own, one by one, I will. This will result in legal action against you. NO more. You will uphold your duties or you will be held under the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: U.S. BANCORP
State: FL
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:
XXXX XXXX XXXX XXXX. 
I had for many years used my XXXX XXXX XXXX  Out of the blue XXXX  issues me an XXXX XXXX card. I had Not. requested that card and called XXXX Cardmember Services. 

Per them, the said they notified me in advance that they were changing. I DID NOT RECEIVE ANY ADVANCE NOTIFICATION. Was told my XXXX account was being closed and replaced by the XXXX. I told them I don't need the hassle of changing account numbers when I do online purchases and have automatic payments. I requested my XXXX remain open and was told that it wasn't possible. I found this highly disturbing, yet, as I understand, is legal. 

This has totally disrupted my credit history and peace of mind. 
I have applied to XXXX XXXX and been accepted for a credit card. 
I'm writing out of frustration that XXXX can close my XXXX account and switch over to a XXXX  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 monetary relief