BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
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 wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : 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 2022-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America closed my account for unknown reason and refused to release my last three paychecks.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-11-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times and even mailed certified copies to Experian since dating back XX/XX/2021 up until now XX/XX/2021. The certified copies cost! XXXX each, not including gas money to get to and from there. I will be notifying Congress and the Attorney General Office about this matter also Experian Credit reporting agency continued to give out incomplete or inaccurate information after I requested corrections considering filing a lawsuit. I am handicapped not looking for a pity party, but I am tired of being treated and not being heard Because Experian is being biased toward me when I have submitted substantial evidence to this bureau either they are procrastinating or being slothful toward me! I am sick and tired of it. I can not sleep ; This matter has caused me XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after I discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. XXXX  account # XXXX Late payment reported 30day late Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a

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 2021-11-23
Company: PNC Bank N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
wE GOT A AUTO LOAN FROM BBVA USA TO WHOM BREACH CONTRACT AND DEMANDED DEBT CANCELLATION 1099-C FROM THEM. DURNING THIS LEGAL FIASCO! PNC BANK ACQUIRED THE LOAN. WE TOLD THEM TO CANCEL LOAN CONTRACT OR FACE CLASS ACTION LITIGATION. AS OF TODAY BBVA USA IGNORED THE STATE OF AL COMPLIANT AND PROCEED WITH BRAKING THE XXXX XXXX XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. AS WELL AS COLLUTED WITH XXXX XXXX VIOLATING THE FCRA 15 U.S.C. SECTION 1681g by credit file suppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
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:
This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : 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 2023-08-28
Company: American Credit Acceptance, LLC
State: FL
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:
Complaint against XXXX XXXX for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with XXXX XXXX have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from XXXX XXXX in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to XXXX XXXX. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to XXXX XXXX and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/XXXX XXXX  account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
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:
It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payments dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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:
In XX/XX/2022, I sent my first letter to XXXX XXXX requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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 am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX, GA, XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$330.00}

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 2018-02-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a new application for RMA assistance.

The homeowner is underwater, has a high LTV.

The homeowner will be accepting adding the late payments to the rear of the mortgage ( principle forbearance ).

The homeowner is qualified under the DOP Department of Justice guidelines : 1 ) Gross underwater value 2 ) The NPV Result shows a workout solution, see attachment. 

The homeowner has a positive change in her circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium XXXX Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage XXXX Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

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 1681XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 non-monetary relief
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a Chase Ink business card in XX/XX/2023. I used it successfully for a few charges and then tried to purchase something from an online business based in XXXX. The charge was legitimate, and I completed it using another method after my Chase Ink card failed. That was on XX/XX/2023. 

Ever since then, my card has not worked, and no one has communicated why. I have called twice and been put on hold and falsely told someone would call me back. They claim the card is under security review, but they never 1 ) Asked me to confirm the purchase ( it was valid ) ; 2 ) Told me the card was under review ( I found this out by repeatedly calling ; 3 ) Told me I couldn't use the card ( it was declined repeatedly ; it was humiliating. ) To summarize, Chase refuses to 1 ) Tell me what the issue is ; 2 ) Fix the issue ; 3 ) Let me close the account. Additionally, I was just charged an annual fee for a card they won't let me use. 

I would like to close the account, have it removed from my credit report, and have my annual fee refunded.

Company response to consumer: Closed with monetary relief