BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: U.S. BANCORP
State: TN
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 had a joint account with my mother with US BANK for our mortgage for 30 years. This loan has been paid off. During the last 6 months or so, before paying off the house the payment amount changed because of the escrow. We were unaware of this change for a couple of months and CONTINUED to mail in the usual amount. After receiving a letter in the mail, I called and we were informed of the new amount. We were also informed that because we did not mail in the new amount, it was shown on the account as delinquent and reported to the credit bureau on both of our credit reports. I feel like this is unjust, for a client that has paid their mortgage on time for 30 years. I also feel like it is unjust because it was not a missed payment, but not the correct amount ( which I believe was less than {$100.00} per month ). This was not an ongoing issue, it happened when the escrow changed a couple of months before the payoff. I would like to see this negative information removed from both of our accounts. 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NY
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 Report Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXX  ACCOUNT NAME : XXXX LA ACCOUNT NUMBER:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 XX/XX/2021, XXXX XXXX, a mortgage lending credit and Verification service, was working with me and XXXX XXXX to verify that I am not disputing the debt with Portfolio Recovery. We are trying to verify and remove comments of disputes in order to finish for clear to close on my VA loan for a new home. Portfolio was very aggressive when we talked to them to the put that they did not want to verify that I was not disputing in their system unless I pay, they eventually said I was not disputing after talking to a supervisor then back to the agent. Comments were removed by XXXX XXXX and XXXX. Recently starting XX/XX/XXXX and XXXX, we have found Portfolio Recovery adding comments that I am In dispute Account Information disputed by consumer ( FCRA ) when they know from me and XXXX XXXX that I am not disputing the debt and lying on my report that I am. This is holding up my ability to complete my mortgage and clear to close on the house. I now have to contact XXXX  again to remove the comment and I have already told XXXX  on XX/XX/XXXX. I believe they are not following the FCRA and are in violation putting incorrect information onto my credit report. This has loss of cause time, stress, money, and my credit score for trying to complete the home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: DISCOVER BANK
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 status incorrect

Complaint:
hello to whom to may concern i had autopay with discover bank and for one reason or another payment didn't get deducted and a late payment was reported in XX/XX/2021. i reached out to discover and they assured me that the late payment was reported by mistake, due to autopay not working and discover agreed to remove late payment from all credit bureaus. I spoke to XXXX from discover on XX/XX/2021 at XXXX XX/XX/XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with sue from discover on XX/XX/2021 at XXXXXX/XX/XXXX pst. i even spoke to both of there supervisors and they also confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX   XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-12-17
Company: EQUIFAX, INC.
State: PA
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 would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 46 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 46 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Without any prior notice, Capital One closed my credit card account due to inactivity. While it is true I have not used the card in some time, I would have never allowed the card to be closed because it is my longest standing credit card at 14 years. My account with Capital One has always been in good standing and never delinquent. When I contacted the company on XX/XX/2019 they said there was nothing they could do to reopen the account and now my Average Date of Credit for credit score reporting purposes will decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Peer Advisors, LLC
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/XXXX and XX/XX/XXXX Request for funds. 
XX/XX/XXXX Compu-Link representative asked for compliance documents ( which they should have had ) at XXXX XXXX. All requested documents emailed back on XX/XX/XXXX at XXXX XXXX. 
XX/XX/XXXX my mother died. 
XX/XX/XXXX Spoke with Compu-Link to inform them of my mother 's death. Advised them the XXXX would be returning property to them since there were no funds to maintain any expenses due to failure to distribute funds. 
XX/XX/XXXX Spoke with HUD XXXX again advising the XXXX would be voluntarily returning home to Lender. No funds to pay any expenses nor repay loan.Said they would escalate services to return the XXXX. Received letter on XX/XX/XXXX outlining options but no plan to proceed. 
Have communicated with Customer service, Loss Mitigation and Pay off by email, fax and XXXX tracked letters since then. Dates include XX/XX/XXXX, XXXX, XXXX. 
Called XXXX XXXX XXXXXX/XX/XXXX twice. 
Hired a lawyer who sent certified letter on XX/XX/XXXX. 
I still have had no response with a plan to return this property.

They have received all necessary documentation including Death Certificates and Probate Certificate. 
This is an unacceptable delay. Also the failure to release funds to my mother that she needed for her expenses needs to be investigated. The excuse that she did not submit compliance documents is untrue. In fact I have a letter that was sent to her by Compu-link when they took over from XXXX telling her no action was required on her part. 
I need this matter resolved at once. The Lender must assume the property immediately. 
The public also needs to be aware of the suspect treatment of elderly people trying to obtain funds and the hardship created by these unnecessary delays in returning property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2020, I had three fraudulent charges appear on my Chase United Visa. As soon as it appeared on my statement in XXXX, I contacted the company and reported the fraud, and asked them to replace my card with one with a new number. They replaced my card, and then took the charges off my card, and launched a fraud investigation. However, in XXXX, they put the charges back on my account, and claimed that these were legitimate charges. The merchant in question, who is apparently in XXXX XXXX, claimed to have a copy of the credit card in question, and proof of a signature from my son matching the signature on the back of the card. However, ( 1 ) my son ( who is XXXX ) has never been to XXXX XXXX, so could not have made these charges and produced his credit card ; ( 2 ) the signature on the charge slip is not my son 's signature ; and ( 3 ) all of our credit cards have " Request Photo Identification '' inscribed on the back of the card in place of a signature precisely to prevent fraud. Clearly, someone has spoofed the card and the signature in order to perpetuate this fraud, but despite my repeated explanations to Chase, they refuse to remove these fraudulent charges from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  A debt was settled with Navy FCU. I no longer have business with them, but the account was not removed from my credit report. I have requested that it be removed, and have a tracking number to prove they were contacted : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy. 
15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions. 
604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates. 

Those laws were violated, and I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.

Company response to consumer: In progress
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
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.

has violated my rights. Or a 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 response to consumer: In progress
Consumer complaint received 2020-12-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased items from Lowe 's under a deferred interest promotion. These items were to upgrade my home. I had a balance of XXXX in XXXX. Apparently, I missed the window to pay off the promotion balance and in XXXX interest of {$1400.00} was added to the account bringing the balance owed of {$3100.00} which I have had difficulty paying as I am a retired XXXX year old woman. While this practice has been in question and investigated periodically, I now that it is still deemed to be " legal '' ; however, I feel that I was taken advantage of during a time when everyone was distracted by the pandemic. I have been a long time customer of Lowe 's and have a great history of paying on time. Even though nothing my come of this investigation, I still want to go on record as complaining about this tactic that was used to advance someone's pocket by taking advantage of me during a time of upheaval.

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 2023-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In late XXXX we were suddenly unable to access our joint savings account at Citizens Access. My husband and I could log in, but it said, " you have no account. '' At first I thought our account had been hacked, but I called and the agent could see our account was intact. They said to wait a few days and we should be able to access our account as normal. 
That was a month ago. 
We can still not access our account or funds. We can not see any statements or documents. 
We called Citizens Access again XX/XX/2012, XXXX and XXXX. Each time they apologized and said it is a technical error and they opened a ticket and they were working on it. But no resolution. 
The last time, my husband demanded they at least email us a verification of deposit so we can prove we have this account, because we can not even see the balance. They emailed us that paper, but now it is XX/XX/XXXX and we still can not see the account as of today. 
Please help. Citizens Access has done nothing to correct this problem. 
We feel as though Citizens Access has stolen our money. 
I understand that Citizens Access is owned by Citizens Bank, which is owned by Citizens Financial Group , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

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 2023-05-05
Company: EQUIFAX, INC.
State: FL
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation