BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MS
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 ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXXXXXX XXXX  acct # XXXX : XXXX account # XXXX  XXXX : XXXX XXXX XXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state 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 filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns 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 2023-01-07
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, someone used my ssc # to open a credit card XXXX, credit limit was granted of {$4700.00}, the thief used {$5200.00} went over the limit, then made payments on time until XX/XX/2023, 2 or 3 months later checked my credit report and TransUnion received this debt only with my ssc #, but not with my name, DOB or mail address, ONLY with ssc #, which is obviously my ssc # was stolen to open that XXXX XXXX, I contacted XXXX XXXX  and they Don't have any account under my name which is correct because I don't have a credit relations with XXXX XXXX XXXX XXXX, now trasunion told me to do this claim and get a letter from you to remove the debt from my credit, thanks so much for your attention.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-09
Company: ALLIANT CREDIT UNION
State: CA
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:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : Alliant Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX Trans Union reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX XXXX since XX/XX/XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told Trans Union that was NOT MY DEBT! 
XXXX-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX XXXX again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX.never lived  there..XXXX XXXX..sister..XXXX.XXXX.not us.XXXX XXXX Sister..XXXX.XXXX.XXXX..sistrr..XXXX XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX  IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX XXXX..XXXX..XXXX   etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this Trans Union investigation of XXXX XXXX  was incorrect. XXXX said they told TU that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Mortgage # : XXXX Home purchased in XX/XX/XXXX for {$65000.00} with 10 % down, {$58000.00} loan and began paying PMI Simple no cash refinance in XX/XX/XXXX and began paying {$40.00} per month in PMI ( {$54000.00} loan balance ) Home value as of XX/XX/XXXX : {$70000.00} ( 77 % LTV ) Home value as of XX/XX/XXXX : {$120000.00} ( 32 % LTV based on {$40000.00} loan balance ) XX/XX/XXXX : Contacted by Chase that PMI would be waived starting XX/XX/XXXX XX/XX/XXXX : Planned payoff of the Chase mortgage Chase has been committing mortgage fraud for 7 years by charging me {$40.00} per month and claiming I did not meet the PMI waiver requirements. This is a systemic issue in Chase 's PMI process and worse than XXXX XXXX XXXX rate lock scandal and CPI auto insurance. How can this type of fraud go undetected when this is occurring for millions of Chase borrowers in not removing PMI? 

Chase needs to evaluate this as an enterprise remediation and then testify before congress how this PMI process can be fair charging customers the monthly fee and then having the balls to waive the fee when I am paying off the loan. 

Based on the property 's value, Chase owes me 81 PMI  payments for {$40.00} or {$3200.00} plus loss of use of funds calculation. 

Please send me the remediation payment as I need funds to cover Covid-19 losses that Chase is responsible for by committing this mortgage fraud. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on 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. If there is any confusion, I suggest you contact me or a customer service representative.

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 sectio

n 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing purchased my mortgage. The year of XX/XX/2019 funds were being escrowed for taxes and insurance. At the end of XX/XX/2019 the company did not pay my property taxes. I did not know this until I got a past due bill with penalties from the County. I called them. They said that they dont escrow. When I finally got through to them that it was the XX/XX/2019 taxes that were due, I got the run around about the escrow account. The amount due is {$16000.00}. 
I was told that the check was mailed XX/XX/XXXX. 
Then I was told it was cut XX/XX/XXXX but mailed XX/XX/XXXX. 
I still have not received the check for {$16000.00}. My XX/XX/2019 property taxes are still not paid. 
This is theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 balance transfer

Complaint:
I applied and was accepted for a Truist card on XX/XX/31 so I could make a balance transfer from another card I have. I was preapproved and had no issues getting the card for a limit of {$6500.00} with the perk of XXXX  % APR on balance transfers for 15 months. I submitted a balance transfer request via the Truist app on XXXX and it was accepted for {$5800.00}. I waited 10 business days and no activity had occurred. I contacted Truist and they advised to wait longer. To date Ive contacted them four times and each time they state theyve put in a ticket. The balance transfer request was made more than a month ago now. When I log in and research balance transfers now I no longer see the perk because Ive already applied ( but I am guessing this was an IT glitch. ) Truist is not helping and it is unfair to advertise a balance transfer perk and then it doesnt come to fruition.

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 2022-04-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am filing a complaint about Citibank AAdvantage credit card policies. On or about XX/XX/XXXX I began having problems where my Citibank AAdvantage credit card was not being accepted at various merchants. I thought it was a defective chip issue. On XX/XX/XXXX I called Citibank AAdvantage to determine what the issue was. During the call with the automated telephonic system, I was informed that I had exceeded my credit limit. No money was due, the account was not in arrears, or a late payment due. In fact, I still had credit available of approximately {$15000.00}. 

On XX/XX/XXXX I logged on to my Citibank AAdvantage account and used the online chat option to discuss the situation with an online agent ( XXXX XXXX. Attached is the transcript of that interaction, which started at XXXX. 

Rather interesting is that there seems to be gaps in the transcript.. 

Summary of Conversation ( paraphrased ) : 1. Me : I have exceeded my credit limit? The online balance is still in the thousands of dollars. 
2. Me : A payment of {$17000.00} was made on XX/XX/XXXX. 
3. Citibank : That payment is currently being held in order to verify that it will clear your bank. 
4. Me : It cleared the bank on XX/XX/XXXX, its now XX/XX/XXXX. 
5. Citibank : Your account is on hold until XX/XX/XXXX, to make sure the payment will clear the bank. 
6. Me : Why does it take so long to process cleared funds? Does Citibank pay interest to me for use of the funds? 

I did not use the Citibank AAdvantage credit card for my international travels between XX/XX/XXXX and 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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered product on internet. Used my Capital One Quick Silver card. XXXX soak for my wife. Consulted wifes physician and was told not to use it. Canceled order within 3 day of ordering. Order arrived after at least a week and when I went to post office, I had postmaster return to sender on XXXX @ XXXX and kept tracking receipt. Received statement from Capital One included returned product for $ XXXXCapital One issued credit then recharged it to me saying I had to prove I returned product. Postmaster traced tracking slip and showed all tracking including that it was sitting in the merchants XXXX XXXX XXXX XXXX XXXX even noted on print out that it is still in XXXX XXXX XXXX XXXX to XXXX weeks. It was sent back to the return address that was on the box it was shipped to me on it. In fact it was sent back unopened an in the same shipping box that came to me. Capital One refuses to refund the money and is nasty about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
I have a collection account which still shows as a collection account but the account has been settled and closed from the collection company, account was settled for an amount and amount settled for paid-off in full and so collection should be removed from my record saying its a collection account and i still owe the account when I don't. 
collection account name : XXXX XXXX XXXX this account has been settled and paid-off

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 2023-02-01
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Took a loan with Sallie Mae. Paid the loan off over 15 years ago then they transitioned to Navient. Now I have a lawyer 's office contacting me telling me I owe over {$4000.00} on a paid off loan. I do not have the proof of the payments as it was more than 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: AR
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 bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}

Company response to consumer: Closed with explanation