BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: MN
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 submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXX XXXX, XXXX XXXX .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy 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 2023-07-27
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be corrected. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections from my personal file. Hence, I am asking for your help to correct the account : XXXX XXXXXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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:
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. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX  Account # 's XXXX, XXXX These accounts have 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 : states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7700.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5900.00}, XXXX - XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan date is XX/XX/2021 which has exceeded the two-year loan seasoning period. Cardinal Financial is advising that I only have two options to qualify for remove PMI. I can qualify based on the original property value by making a principal curtailment of {$40000.00} to pay the Unpaid Principal Balance ( UPB ) down to {$380000.00} or I can qualify based on the substantial property improvements by providing a detailed list of substantial property improvements completed. After the two year seasoning period one can qualify to remove PMI based on the CURRENT value not the original property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to complaint XXXX ARS is still participating is 18 U.S. Code 1028A ( 1 ) -1 ) which says Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years along with violations such as 15 U.S. Code 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt stating they will continue to furnish a debt that I have not validated as true or valid. ARS has provided that they have validated a debt that can only be validated by the Alleged Original Creditor which is Myself, XXXX XXXX because I Allegedly Created the debt when I allegedly went for emergent services that is shown in the document attached below, furthermore not only have they admitted to violating these laws they have not complied with my request for copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. ARS requested I get the signature by Contacting whomever they believed was the original creditor because they can not provide such things which means ARS is illegally furnishing debt and validating debt without circumstantial evidence such as The DEBTORS WET SIGNATURE. As a result of the continued neglect to follow law that prohibits such acts, the XXXX XXXX XXXX XXXX XXXX is to be DELETED as of XX/XX/2023 or ARS will be need in CIVIL COURT FOR THESE VIOLATIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
AAvantage Barclays, I paid off this card to improve my credit standing whichic I have. I paid off {$1700.00} on XX/XX/2023 in full. I spke to an agent who assured me that all is okay and I satisfied my amount of {$1700.00}. Now comes a bill in todays mail stating that I owe {$7.00} for interest charged. When I called today to resolve this situation a representative hung up on me. I could have very easily paid this amount to resolve this isse, however it is fraud.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-03-17
Company: Byrider Franchising, LLC
State: MO
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:
I was sold a car without a gas gauge and I was not able to get it registered due to criminal tampering with vin number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bridgecrest Acceptance Corporation
State: FL
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 may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

123

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 2023-03-16
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello, My complaint happened on XXXX, XX/XX/2023, after the XXXX XXXX XXXX hour at the PNC bank located at XXXX XXXX XXXX XXXX, XXXX, FL. 
I went to the drive through to cash a check, as I have an account with PNC and the check was written to me from a Realty company that also has an account with PNC. 
I was recently married and had not yet changed my name on my PNC account. However my State ID had been changed to reflect my married name and the check was written to me using my new married name. 
I presented the check, my ID, and my account information to the teller. I had asked that she cash and deposit the funds to my checking account. 
She returned and stated she could not cash and deposit the check because my last name was different that my account name. 
I then asked her to just cash the check from the realty account. She came back and said she can not cash the check either!!! 
I asked her why was there an issue cashing the check off of the account it was written from as my ID and the check had the exact same name. She refused, I asked to speak with a manager. The manager was unavailable. I was in the drive through line over half an hour trying to get a resolve.

Finally, the teller stated she could cash the check " if '' I signed my name as it appeared on my account. I asked why would I do that because the check was not written to me using my old name and she didn't have to cash it using my account, use the account it was written from She refused and stated the manager was still unavailable..

I became frustrated and ask that she just return my check.

I phoned PNC to make a complaint and was told I should receive a call within 24 hours.

I went to a different PNC bank and was able to cash my check without an issue. I felt I was disrespected and mistreated. I don't feel anyone should be treated as such from one bank location to another. They should operate under the same procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navy federal is accountable for damaging my credit score. They have breached their contract and continue to report to the credit reporting agencies. It affects my livelihood as a veteran as I try to purchase a home.

Also, Navy federal needs to remove themselves from my credit report immediately or I will seek legal action. They have also violated my consumer rights as they have no right to communicate with me directly or INDIRECTLY. Including through credit reporting agencies. They do NOT have my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning XX/XX/2023, I have received more than the permitted 7 calls per week in an attempt to discuss debt collection. I receive at least one, if not two, calls per day. They call from multiple different numbers with local area codes and conceal their identity, pretending to be someone I may know until I ask who is calling. I have informed them not to call me during my business hours of XXXX to XXXX, yet they repeatedly call during those hours regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have had a Netspend prepaid debt card for many years and on XX/XX/23 i was unable to sign into my account. On XX/XX/23 i received an email that " There may be a problem with my account and to call customer service. On XX/XX/23 called customer service and was told " There are suspicious activities and my account was blocked. '' The customer service rep. would not give me any information/details about the suspicious activities and stated i would need to submit documents for security verification to the email he would send me. On XX/XX/23 i sent the required documentation ( SC Drivers License, Social Security Card and a Tax bill from the SC Treasurers Office with reference number XXXX to the email provided ( XXXX ) On XX/XX/23 i received an email stating that all the documents submitted were rejected, at which time i called customer service and they informed me that scanned documents were not acceptable and that i needed to send them my actual Drivers License and Social Security Card. After explaining in no uncertain terms i was not going to send my D/L and SS Card. The customer service rep stated that the only other option was for them to close my account and they would send me a check for the balance in my account. ( I don't know the balance since i was blocked from my account ) Something here is not right and needs to be looked into. Any help you could provide in getting my money would be greatly appreciated.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: AR
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:
I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness. 

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file. 


Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and anxiety, and I believe it is imperative for your company to take immediate and effective action to rectify this matter. 

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities. 

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items : 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 2023-03-16
Company: EQUIFAX, INC.
State: FL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 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 explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-16
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello there are 8 unauthorized transactions that was made each for 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