BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I hired XXXX XXXX XXXX to handle discrepancies within my credit report. Navy Federal was removed XX/XX/XXXX, however, they have since then continued to report. This is causing my inability to acquire credit, and to purchase My Home. Ive asked them myself to please stop reporting, and they sent an email asking me specifically the account number, in which I no longer have because I dont have an account with them, and that they have no idea what Im talking about. But I received a letter from them in XXXX stating that all of the information was accurate, when they provided no amount, no date, and definitely no account number. I paid this company off in XXXX, and they continue to report even when its been removed. So I assume when they see that its been removed, they take it upon selves to re-add it to my credit report, which is bullying, and not fair to myself as the consumer. I have attached the email that was sent from XXXX back in XXXX letting me know that this has been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: WA
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:
Filed a previous complaint against Equifax regarding them publishing my old name of XXXX XXXX XXXX on my credit file, this caused several of my accounts to disappear from my credit file recently. Equifax had received a copy of the court order which changed my name to XXXX XXXX XXXX, but are now alleging that they didn't receive any information concerning my new name. I would like to evidence that XXXX XXXX and XXXX have had my new name on file for years, and at one point Equifax had my old name and my new name on file. In efforts to try to respond to my previous complaint Equifax again changed their records to reflect the name XXXX XXXX XXXX which is incorrect. I don't understand why it is so hard for Equifax to follow the credit laws? The name is XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lending Club agrees to allow customers to make payments securely through their website. They performed system maintenance over the weekend of approximately XX/XX/2020. Since that time the payment system has not worked and not allowing payments to be made by the consumer. The website as of XX/XX/2020 still will not allow secured electronic payments. They send harassing emails daily threatening late fees if you do not call a number or send confidential payment including banking information in an unsecured email. They also try to trick the consumer into giving them the same confidential information over an unsecured phone system. I spoke with 'XXXX  ' who tried to force me to give her the same confidential information over the phone without a guarantee the information would be secured. I insisted they fix their website so I have the protection of my bank and Lending Club accepts liability for any fraudulent access to their systems. They refuse. I have contacted them 4 times via their message center and twice by phone. 'XXXX  '' has no operator ID or any other proof she works for Lending Club to give the consumer the assurance the information will not be violated. Lending Club has in the past violated payments by processing them late or too early so they can assess fees. They are trying to impose fraudulent late fees because their payment system is not working. According to the XXXX XXXX XXXX, payments sent by check are often not processed on time resulting in more late fees imposed by Lending Club. I am trying to schedule a pay off of the loan however they will not fix their website to allow for the payment to be made and an immediate confirmation received. This company operates by intimidating consumers and assessing late fees by shutting down their electronic payment systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX Reference # XXXX, XXXX XXXX  XXXX account XXXX 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.

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 2020-12-30
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Schwab 's mobile app won't let me take a picture of the back of my check, thus preventing me from making a mobile deposit. I was recommended to mail in the check, but wasn't guaranteed to arrive ( especially with USPS delays and loss of mail recently ).

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 2022-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery Associates Account : XXXX Amount : {XXXX} In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Acct # 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 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reached out to the credit bureaus documenting several errors on my reports. They ignored my letter and have not fixed the problems.

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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a customer with Chase since XXXX as a credit card holder. It is one of XXXX credit cards I hold. I have always made my payments on time, but during the early part of covid I got behind and had 2 late payments which is unlike me but I was trying to keep my employees paid and a business running. I called chase to get on a payment plan to get this caught up. While other credit card companies were helpful during such a difficult time for the whole world, Chase chose to be opportunistically predatory to their borrowers. They raised late fees by {$13.00} each, and offered no forgiveness in interest rates or payment plans. After 2 exhausting long calls with Chase they refuse to work with me to get on a reasonable repayment. 

I am not sure what this world is coming to, but allowing huge corporations to abuse their customers is more like XXXX XXXX  than a banking establishment. Why does chase get to get away with making more during the pandemic while others suffered and not only that but add to those same struggles we have all suffered through? Its a shameful practice with terrible optics. Chase JP Morgan needs to be held accountable for their role in predatory practices. Chase has been questioned by local congress for their lack of doing what they said they would during the pandemic and it is glaringly obvious Chase holds the stance that they can't even be bothered to respond to the Congressional inquiries or do what is required of them. Yet another bank that acts more powerful than our own govt. and operates with impunity and vicious practices. If regulators will not review this company further and audit the JP Morgan Chase pandemic responses and policies, then I will not stop until this hits the highest level of media and public awareness. Please take the necessary time to investigate Chase JP Morgan, millions of customers are being punished by this unethical organization every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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  : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: VA
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:
I've reviewed my credit report and noticed that Experian still have three ( 3 ) accounts open on my credit report that XXXX, and XXXX have closed. 2 out of 3 credit bureaus are showing accurate information while Experian is showing inaccurate information. According to the law I have rights to dispute inaccurate information. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Accounts Listed : DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/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 2021-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT.

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor XXXX XXXX XXXX ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Please delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX I ordered an item from Amazon.com and partially paid for it with Chase Visa reward points equal to {$280.00} ( XXXX points ). A few hours later I cancelled the order before it shipped. My card was never charged but the points were taken and never refunded. 

I waited a couple weeks for the points to show up on my account but they never did. I reached out to Amazon support and they said they have no control over Chase reward points and that I would need to reach out to Chase. I reached out to Chase and they said that I had to wait 30 days for the points to return. 

After 30 days had passed and the points still not returned, I again reached out to Amazon and again was told to call Chase. I called Chase and escalated to a supervisor, who told me they were escalating the case. But two weeks later I only received a letter once again telling me to contact Amazon. 

As of XX/XX/XXXX, I've repeatedly reached out to both Chase and Amazon and escalated the conversation as far as I can. Both sides readily acknowledge that the points were taken and never refunded, but they insist that they can do nothing and the other side is the one I need to talk to. See attached documents showing both Chase and Amazon responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I provide my credit score that I got though my free XXXX credit score though Huntington bank. When I applied for a HELOC thought Huntington they told me my score was XXXX points lower then what my free score said. I was told that they used my XXXX score. This feels like a bait and switch and changed my interest rate by 3.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, I had entered into 3-year lease agreement and set up automatic recurring payments until maturity. I then extended the lease for another 3 months, but due to a 2-month oversight/miscommunication, I assumed that the recurring payment would automatically continue post lease extension. The end of lease message on XXXXXXXX XXXX XXXX site clearly states that, if youve set up automatic payments, be sure to cancel them after youve made your final payment, contrary to action XXXX has taken to cancel automated payment at lease extension. Also, I have not been alerted via email of a late payment which I would normally receive. As a result, my payment history was flagged as a negative 60-day marker with TCNA and across all 3 credit bureaus, despite the fact that I had brought the account up to date after being alerted by Experian of a 60-day late notice. It is worth noting that I have had a XXXX credit score and a solid payment track record with XXXXXXXX XXXX XXXX prior to this event.

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 2023-06-09
Company: EQUIFAX, INC.
State: OK
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:
This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act XXXX  and according to 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Statewide Credit Services Corp.
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:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with explanation