BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: IL
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.

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 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 2022-04-01
Company: LOBEL FINANCIAL CORPORATION
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:
I checked my credit report and found out that the Bank : LOBEL FINANCIAL CORP is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like lobel having a lease from XXXX XXXX its clearly a Fraudulent Account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone number was stolen, so that my online banking account password was changed, and my checking account and credit card were stolen. I called the bank on the same day and recovered the stolen money. After a few weeks, the bank I took the money back from me. I went to the bank to ask the bank, and the bank said that the system XXXX was operated by myself! Want me to go to the police station and get evidence from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
delete account fraud no knowledge

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 2023-10-27
Company: Experian Information Solutions Inc.
State: OR
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:
Dear Experian I have submitted to the CPFB a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent 3 letters asking for a correction to my credit report and have received no response. 
This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so. 

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last six months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past six months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination. 

If I do not receive a response in the next 24 -48 hours, I will file a formal FTC complaint. 

Sincerely, 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 2023-06-28
Company: EQUIFAX, INC.
State: SC
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 kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Ex-husband recently passed away and our children asked me to be the executor of his estate. We have tried to communicate with his mortgage servicing company about his mortgage and they require multiple documents. One specific is issued by the Clerk of Court certifying that I am the executor. The mortgage company requested either Letters of Administration or Letters Testamentary with visible county seal. Upon our visit to the Clerk of Court in XXXX XXXX, NC, the clerk asked why. Noting that my ex-husband 's estate only consisted of equity in his primary real estate, the clerk recommended and then issued an Affidavit for Collection of  Personal Property of Decedent. We sent this along with the other requested documents XX/XX/2020 only to receive a letter asking for the originally requested documents and a closing statement saying if you have questions please call. We have called multiple times to inquire about why the form recommended by the Clerk is not acceptable. Each time, the person on the phone can not help us, transfers us and then we are disconnected. I have spent hours on the phone getting no where. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello Id like to file this complaint l I will attach my police report because I am truly disappointed in my dispute outcome with chime XXXX XXXX  my account number is XXXX i got my disputes denied and submitted a rebuttal just now they have denied it again Ive submitted it once again and reported them to the XXXX  .I have took pictures of the skimming device that was found at the store I used my card at I went back to the store and talked to the cashier they told me other customers complained so they checked the debit card machine and it was loaded with a skimming device. So there is many proof I was skimmed. The transactions I am submitting a rebuttal for happened on XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$320.00}. They were both atm withdrawals. I have All kinds of proof even pictures of the device used to skim my debit card. I told them I had the pictures i also told chime if this is not solved I will contact an attorney with all my proof. I told them I am very serious about this and will not accept to talk to another representative that tells me the same thing I want to speak to someone of higher authority that is going to actually help me with this. Ive also told them That once I get my money back I will be closing my account because this is the worst experience Ive ever had with a bank.. Id like something to be done here I am Extremely disappointed and in finiancial hardship due to this situation. Chime does not investigate disputes they just immediately deny them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I noticed that Experian is reporting erroneous personal information on my report. They have been blocking me from receiving a report since XX/XX/2022. I attached my identification and proof of residency. Any other address I have not lived at. so they must remove immediately. They would not remove addresses when I explained to them those other addresses are incorrect.

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 2020-08-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
The vehicle was traded in XXXX and a payoff amount was sent to XXXX in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/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 2023-05-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The lady who was helping me. I am XXXX yr old and XXXX XXXX XXXX so I have trouble getting around. Also XXXX XXXX  when I got my social security check in XXXX of this year I noticed someone was using a card to take out cash and make purchases. I immediately called my bank Truist and reported it. They had sent me a new debit card and this lady got it out of the mailbox and started using it. She had gone to the store for me in the past with previous card so she knew pin to enter. I called the bank immediately and gave her name and boyfriends name. Bank refunded one purchase boyfriend made to ex girlfriend but thats all I have gotten back.

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 2023-06-28
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to Transunion, XXXX and XXXX  the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.

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 2020-08-07
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Update to the following complaint. In short, Suntrust did not return all of our money. they still have {$15.00} of our money ( joint account with my daughter XXXX ). She deserves all of her money from fiasco Suntrust created with their EFT from XXXX XXXX. Because of EFTs between XXXX XXXX and Suntrust ( XXXX 's account ) Suntrust took our money and access to our accounts for 21 days. Eventually they gave our money back, except {$15.00} of XXXX 's account. Please return it to her/me. 

I have 4 accounts at Suntrust 1. my checking account 2. my savings account 3. a joint account with my daughter XXXX 4. a joint account with my son XXXX. 
Late last month on about XXXX, XXXX 's account got a deposit of XXXX dollars. XXXX knew nothing about where it came from so I called Suntrust. I let them know this doesn't look right. Concerned about it, I asked the Suntrust rep to transfer her balance of XXXX dollars to my savings account. That is the last access we have had to all of our accounts. On the following Monday all of my accounts are closed. Suntrust will not give me my money. They put the accounts in hold/closed status and refused to give me my money.

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 2020-08-08
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My wife and I sought a {$35000.00} loan to assist with medical expenses. I'm the one who works, she stays home with the children. Right from the start, things went sideways. Instead of {$35000.00}, we only received {$32000.00}. I'm working full time, so I don't have the time to call Prosper. Anytime my wife called, she was put on hold for 10-15 minutes at a time, no matter what time of day it was. So we never got a clear answer about why this was, other than some vague story about the remaining {$3000.00} being applied to interest at the end or something. We then started making payments, which were due on the XXXX of each month, of about {$900.00} a month. I tried to get ahead on principal payments. They first told me that I could only make principal payments on the XXXX of each month, otherwise any payments I make would just go to the net months scheduled payment amount. Ok, fine. In the second week of XX/XX/2020, I made the {$900.00} payment and waited until XX/XX/XXXX to make a {$4000.00} principal payment. There's interest applied to both payments. What in the XXXX?! I called them up to find out the problem. THIS TIME they told me that anytime I make an early principal payment before the payment date, interest is taken out, and then new interest is due on the payment date. WHAT THE XXXX IS GOING ON HERE?! And then, after I seek clarification of these two different payment explanations, I'm put on hold for 15 minutes and then disconnected.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED 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 explanation
Consumer complaint received 2023-08-19
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
XX/XX/2023 Bureaus were notified. 
Navy Federal Account Number:XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX I was in the process of obtaining a copy of my credit report, once it was received, I came across accounts that wasn't recognizable. I'm requesting a removal of this account based upon the CFPB/FCRA act. These accounts were sent to all agencies that hold these accounts. I requested removal for all to be removed, due to inaccurate reporting. The balances from each credit bureaus should report the same amount, and none of them match.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation