BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXt, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian/ Experian National Consumer Assistance Center Re : Acct # XXXX On XX/XX/2019 I disputed an account reported by XXXX  XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2019 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification.

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 2023-08-25
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXXXXXX XXXX XXXXXXXX I opened accounts and transferred {$100.00} into Navy Federal Credit Union. 

I discovered today ( XX/XX/XXXX ) Navy Federal Credit Union froze my accounts and claimed my membership was fraudulent. I cant see any of my accounts or get my money back. Navy Federal at no point even informed me they were freezing my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2020-08-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I went to the PNC Branch bank in XXXX XXXX, FL. I told the representative I needed to wire some money to a bank in XXXX XXXX, however it was to a US Account. I had some written instructions ( attached ) which I showed to her. She said I would have to have and ABA number to transfer to a US account and would need the recipients address. I left the bank that day to obtain the information. 
I asked the recipient for his address and if there was an ABA number. In hindsight, the PNC representative did not understand the meaning of a US Account with a XXXX Bank. 
I returned to the bank on XX/XX/XXXX with the information the representative requested. At that point I met with another representative. I gave her the same written instructions. 
She began the process, but had difficulty with what information to put in the computer. After a while the first representative I met with came into the office to assist. Neither of them ever called PNCs international wire phone number to ask questions or get assistance. After several tries of putting various combinations of data into the computer, they finally got it to go through The representative told me I could make the transfer in any currency I wanted. I was not sure, so I said XXXX pounds. In hindsight, she did not understand a US account with a XXXX bank either or she would not have asked me that question. She would have known just to do in in US dollars. She never advised me of any charges that could be expected by making the transfer in this manner. 
{$9400.00} was withdrawn from my bank account and {$8800.00} was deposited in the recipients account. Somewhere in fees, conversions, etc., I lost {$610.00}. 
I asked about the loss in PNCs secure message service. The bank representative who responded said she was filing a complaint. I asked how to get a copy of the transfer information and was given a telephone number to request it. 
I received the report ( attached ) which does not give me the information I was expecting. When I requested the report the PNC representative said they thought the large fees were because the money was converted twice. 
In summary, I feel the PNC representatives did not have the knowledge to make the transfer in the correct manner therefore costing me hundreds of dollars. They did not present useful information including fees, exchange rate and net funds to be delivered, before completing the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
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:
My name is XXXX XXXX, this complaint is not made in error nor 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 reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: KY
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:
The inquiry on my account I do not recognize and I want all my credit inquiries removed from all 3 credit bureau. I dont know how someone have my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: INDEPENDENT BANK CORP.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off an installment loan early which was the loan I used to buy my XXXX XXXX. I paid it off on XX/XX/20. The last statement I got was XX/XX/20. I asked four times for them to send me a statement for the last month and they will not do it. I do not have the amounts for how much went to principal and interest. Also they charged me a prepayment fee ( which they later reversed ). The loan had a prepayment penalty if I refinanced with another bank but I did not refinance. I do not have a statement after XX/XX/20 and the payoff was XX/XX/20. I believe I should have a statement for any month that had a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from XXXX, XXXX, and Equifax. The accounts in question are associated with XXXX XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

1. XXXX XXXX - XX/XX/XXXX - XXXX 2. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well. 

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX XXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
AS I WAS TRYING TO OPEN A BANK ACCOUNT I WAS ADVISED THAT I'VE ALREADY HAD A ACCOUNT I'VE PERSONALLY NEVER DEALT WITH ANY BANK SO MY INFORMATION WAS USED WITHOUT ME KNOWING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX submitted a collections agency ( Receivables Performance ) to collect a {$480.00} debt for my son ( XXXX XXXX XXXX XXXX acct no. XXXX ) In my name ( XXXX XXXX XXXX XXXX acct no. XXXX ). When I was able to determine the account numbers, I submitted the account numbers to the collections agency escalations department citing the differentiation, and they refuse to act.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate : XXXX XXXX  Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2020-08-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have a negative balance on my american express magnet card. The organization ( american express ) has a 3 ACH transfer limit on these negative balances and wants to send me a check. I do not have a forwarding address on my mailing address, and have left that residence due to the corona outbreak. I am socially distancing from my family ( older member ) on a sand bar called XXXX XXXX where mail is also not deliverable. This negative balance will be used to pay off other credit card debt from my personal business that collapsed due to the corona outbreak ( XXXX industry ). 
Can you please get them to send me my money back via Wire or ACH? 
I have already asked them to cooperate with this request, but they said we can send via check, or you can spend the negative balance ....

Company response to consumer: Closed with explanation