BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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. I've already disputed these items but the bureaus didn't remove them, nor prove validation. XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-06-03
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed for Federal Student Loan Forgiveness and I recently heard back that I was denied because they are only counting the payments I made since I enrolled in their consolidation program ( 3 total ) towards my XXXX payments ( which I definitely reached years ago ). When I spoke with a representative, she said that the initial paperwork for forgiveness may have been processed prior to my being enrolled in the consolidation program and that I should reapply for the forgiveness now that I am enrolled. Basically, their payment count is over XXXX payments short of what I have paid towards my loans over the past XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: AZ
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:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: AZ
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:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report.

1. XXXX XXXX  ; Account : XXXX 2. XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX**** 4. XXXX XXXX Account : XXXX 5. XXXX XXXX XXXX  XXXX Account : XXXX This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .

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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNT HAS BEEN DISMISSED AND IS STILL REPORTING ON MY CREDIT AS A DEROGATORY, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE AND ANY INACCURATE ACCOUNTS THAT HAVE TARNISHED MY CREDIT FILE AND NAME. I DISPUTE THIS ACCOUNT AND ITS ENTIRETY AND I KINDLY ASK THAT THIS ACCOUNT BE INVESTIGATED AND DELETED OFF MY CREDIT FILE.

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 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I instructed a wire transfer to be sent to my Capital One checking account. When funds arrived, while marked as available, it was also marked as a " pending transactions ''. 

The " pending transaction '' label is misleading as wired transfer is complete once the wire " hits '' on the receiving bank 's end. The " pending transaction '' label creates an impression that this amount is still subject to additional bank review, as opposed to fully unencumbered. 

This is unacceptable especially as Capital One charged additional wire transfer fee for this capability. 

I request the CFPB ( and Federal Reserve and the OCC ) to compel Capital One to remediate this misrepresentation urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information ( balance owed, balance borrowed, and payment dates and amounts history ) is incorrect. This account was 83 % paid off, you are only reflecting 17 % paid off. I am requesting to have this account deleted from my credit 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 explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX 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 2023-03-13
Company: Scott Fetzer Financial Group Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage onXX/XX/XXXX by wire transfer- - today isXX/XX/XXXX - - 76 days later they still have not sent the escrow refund for over {$2100.00}. I have called every few weeks to no avail. They have not given me a reason. Just keep telling me they will send an email to their manager. Please assist getting my the refund due to me. I paid them on time for years, send them roughly {$200000.00} in payments and I can't even get a timeline from them on my refund for the amount that was over collected by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: IN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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 accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2020-03-10
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since I made the required payment to reinstate my loan with PNC Bank, I have contacted PNC Bank several times and requested a monthly statement in-order to make my monthly payments. Each time I was told the system is being updated and I should start receiving statements soon. I have never received any new statements since the reinstatement was completed and I was recently told thats because my loan was charged off. I have documentation dated XX/XX/XXXX from XXXX XXXX XXXX  ( PNC 's Law firm ) stating by paying {$14000.00} by XX/XX/XXXX my loan would be reinstated. I made the payment on XX/XX/XXXX. Now I'm receiving threatening letters which state since I didn't make a payment in the amount of {$280000.00} by XX/XX/XXXX that I must cure this default by paying the full amount by XX/XX/XXXX. This does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Spoke about credit options but didnt authorize credit pull at dealership!

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 2019-10-16
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I maintain a Bank of America credit card for emergency use that has an annual fee. I moved back to the U.S. from overseas and didn't realize the payment was due as my mail was following me around. Bank of America proceeded to post negative information on my report and refused to remove it after I corrected the problem. I don't think credit card companies should be able to damage my credit rating solely for late payment of an annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Chime Financial Inc
State: CA
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:
Hello, I made a purchase on a credit card issued by Chime. 
The merchant based in XXXX did not supply me with tracking info and when they finally responded to me much later they sent me a tracking number from a XXXX XXXX that said the package was undeliverable. The tracking number had no address attached to it. 
I contacted Chime and send them the proof I have wich is communications with the merchant and my transaction reciept. 
The bank concludes the dispute in favor of the merchant. The evidence that they based their decision on is a record of the transaction. So a record of my payment. 
Again I did not receive any merchandise from said vendor or any proof of delivery or something like that. 
Now I have no money and no merchandise. 
It is not even about the money at this point. This is just wrong and I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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:
EQUIFAX IS ABSOLUTELY THE WORSTTTTTTT CREDIT REPORTING AGENCY I HAVE EVERRRR DEALT WITH AND I HOPE THEY CLOSE DOWN!!!! NOT ONLY DID THEY END UP WITH A DATA BREACH WITH EVERYONES SOCIALS AND INFORMATION, LEAKED OUT THEY HAVE THE AUDACITY TO NOT HELP YOU WITH AN IDENTITY THEFT ISSUE!!! ABSOLUTELY RIDICULOUS!!! I DISPUTED FRAUDULENT INQUIRIES OVER 50 TIMES WITH MY EXTENDED FRAUD ALERT, THE CREDITORS HAVE SENT MULTIPLE REQUESTS FOR REMOVAL OF THESE FRAUDULENT INQUIRIES AND THEY REFUSE TO REMOVE THE INQUIRIES. IM SICK AND TIRED OF REACHING OUT TO THEIR DEPARTMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: FL
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:
After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.

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 explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX credit but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: OH
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:
Ive tried multiple times to have this Account # XXXX removed from my Equifax credit report when the company is clearly taken advantage of my rights and is in violation of multiple FCRA laws. To start, In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : Also states a consumer reporting agency can not furnish a this account without my written consent.

Under 15 U.S.Code 1681b permissable purposes of consumer reports I never gave any written consent to report this a count to my Equifax credit report. No consent is identity theft.

Under 15 U.S.Code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) this account is in violation not reporting 100 % accurat, it lists Child support court as the furnisher thats forgery and misleading because the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX Chairman, XXXX XXXX XXXX, in XXXX as efforts by SR VP XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my XXXX attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached Experian report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop XXXX  over consumers. Delete my 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 explanation
Consumer complaint received 2020-03-10
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two money order checks on XX/XX/2020. i was told the checks would only be held until XXXX. When XXXX came the checks were still not available for me to withdraw. I called and they said it would be available by XX/XX/2020. It is now XX/XX/2020 and the amount is still not available for withdraw.

Company response to consumer: Closed with explanation