BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Additional information concerning my consumer Credit profile has been updated and verified by Experian on XX/XX/2019. However, there were absolutely no changes were made to the following accounts. ( Please see enclosed attachments for further details ). 

( XXXX XXXX XXXX ) - still reports as verified and updated even though I've asked Experian to provide methods of verification. This is a violation. 

( XXXX ) - unkown account. This account is unknown and can not be verified after investigation was processed & updated. This is a violation. 

( XXXX XXXX ) - appears to verified even though I've sent a Unverifiable billing statement of which I've received by the original : creditor Yet, after a reinvestigation has been processed & updated Experian has refused to delete this inaccurate account. ( A Violation ). 

( XXXX XXXX XXXX XXXX ) still currently reporting Unverifiable information on my Experian credit report after Account has been disputed. A violation ( XXXX XXXX XXXX ) Still currently reporting inaccurate information. Even though Account was investigated and updated. A violation ( XXXX XXXX XXXX ) - still reports inaccuarte information even though account was investigated. A violation ( XXXX ) ( 2 ) accounts reporting inaccurate by XXXX. A violation.

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 2021-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-19
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was owned by BBVA/Compass . PNC bought my mortgage. There was an escrow deficiency ( caused by a tax issue ) causing my payments to go up. PNC explained that once I paid the deficiency down to zero, my mortgage payments would return to the normal, lower amount. Through great sacrifice and hard work, I paid down the defiance, despite the current financial conditions. 

PNC can not and will not give an accurate accounting of my mortgage. Their online banking system is not accurate or current. Their customer service reps claim not to have access to my records and claim I can not have contact with escrow department directly. Their customer service representatives do not do the tasks they claim to do on the phone. PNC insists on handling all matters relating to account errors in paper mail only. This causes an undue delay and disconnect. 

I am also subject to unfair late fees in addition to losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against portfolio recovery. This debt collector has been reporting derogatory Information on my three credit reports for debts owed to XXXX XXXX. I have sent this company numerous letters for debt validation, not debt verification. And I have yet to receive anything. No contract with my signature etc .... In addition I have never received a dunning notice from this company portfolio just reported on my reports without giving me 30 days to dispute validity, which is a violation of the fdcpa/fcra. I am in the process of purchasing my very first home for my family and I. And these errounous accounts are holding my family and I back. XXXX, and attorney general complaints will be submitted if these accounts aren't deleted immediately. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2019-11-15
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX 2019, I received an email from Navient that states " Your Deferment has been approved. '' I did not provide authorization for this change in my payment plan to occur. I spoke with XXXX at Navient on XX/XX/XXXX who stated that when Navient receives information from a school that you are enrolled in they often switch the payment plan to deferred. I did begin a XXXX XXXX in XXXX. However, I never sent any information to Navient. I never personally requested that I be placed on deferment. It is very concerning that this loan management program has the authority to make changes to my loan terms without authorization of the loan holder. If it is not already, I feel this should be illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
-PLEASE READ CLAIM IN FULL AND COMPLETELY DO NOT TAKE LIGHTLY -ALSO PLEASE VIEW ALL ATTACHMENTS I FULLY and I mean FULLY understand my rights as a consumer and willnot be stopping until I get what is due to me, I am not a person that is going to be blown off by these generic responses. So now I will be putting you all in litigation ( I have attached my attorney general complaint to show I am extremely serious ). This is my 3rd and final complaint on this issue I have tried to solve this with you all yet you are blowing me off. I am seeking monetary compensation for furnishing inaccurate things on my credit report. You all have closed my complaint saying because you have removed the things I am not due to any monetary compensation which is not true. You have broken the law by simply inserting the things on my credit report regardless if they were deleted or not. If you followed your procedures as the FDCPA insturcted you to do to obtain maximum accuracy the things would have never been there in the first place. So therefore you have broken the law if a crime is committed then a crime is committed those things on my consumer report were up there for many months before I got them removed. Which means you have hurt my ability to obtain credit during that time by having those things furnished on my report.. So this is my writing to let you all know now I will be filling suit against you in court and my attorney general has already been contacted. I will give you 15 days to respond before I go put my lawsuit in. I am also saving all of these cfpb complaints to use as exhibits in court I have attached my attorney general complaint already to let you all know that I am serious. As well as last responded CFPB complaint as well as my initial attachemts with my notarized affidavit, certified mail receipts, invoice and prior XXXX complaints.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have sent over 3 dispute plus letters from the courts an XXXX XXXX  an XXXX XXXX  say the info is incorrect ask trans union to delete it from my file but the keep say its correct when they have the paperwork saying otherwise please delete it from my 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 2023-05-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2023-09-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, I made two purchases worth {$1000.00} each. One of these purchases was credited to the balance from the previous month 's statement. 
Although I received the {$1000.00} credit, I am confused as to why Wells Fargo applied a non-existent {$1000.00} to my XXXX statement balance. 
The purchase and credit amounts should be settled within the same month. Applying a credit issued in XXXX to a previous statement balance is strange and unusual because the credit does not represent an actual payment received by Wells Fargo from my bank. 
The {$1000.00} is merely a numerical transaction affecting the total amount owed for a specific month. 
The {$1000.00} credit can not be applied anywhere until the {$1000.00} transaction is paid, so it is unclear how an unpaid credit ( strange to even describe it ) can be used to pay an actual statement balance. 
Although technically this practice may help the credit card user, because it delays paying the amount owed, the practice is simply strange and confusing for a consumer.

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 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. 
Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.

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 2023-10-18
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX my Chime account was XXXX XXXX, {$200.00} from a XXXX XXXX. This individual was as able to get into my chime account and " HELP '' himself to my money! So I reached out to Chime and filed a dispute like they advised me to do so and within a couple of days, they put money back into my account. Then on XX/XX/2023, XXXX XXXX did it again for the same amount. So again, I notified Chime of the issue and filed a dispute and waited on my {$200.00} to hit. Well days went by and, nothing. So I called Chime and this is what they told me. We need more information from you and this came in a email to me. So I emailed back to Chime with no response from Chime on as to how this person gained access to my account?!?. Chime told me that they would reopen my dispute and have a different dispute representative look into my claim. I kept looking into my Chime account for the dispute to be reopened and surely they would put my money back into my account because he had done this before and Chime knows this isn't my doings. Days went by with no activity on my account as to a credit to the money missing so again, I called Chime and the same thing over and over. I even called XXXX XXXX and that was a JOKE to say the least. So I reached out to this person on XXXX XXXX, the person who XXXX XXXX  himself off my Chime account and HE ADMITTED IT TO ME Over MESSENGER!! I immediately contacted Chime and even sent them screenshots of the conversation that I and this XXXX XXXX has over messenger. I got a unsatisfied response from Chime, they didn't find any wrong doings into this dispute and denied it over and over again. Now what? I have proof of his wrong doings and he is tried to do it even a third time. Now what, I'm out and he still has my {$400.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: NJ
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2019-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car in WI where I live in IL, as I've done on multiple occasions given my brother works at an XXXX XXXX in WI. The car was initially titled in WI as it always is where I then need to title/register the car in IL. My loan is via Citizens One that uses a 3rd party ( XXXX XXXX XXXX ) that charges a fee to send the physical title to the DMV in IL. XXXX told me that Citizens One should take car of this for me, as they would need to charge a change of state ( when someone would move ) for {$44.00} to send the title to the IL DMV. Citizens One filed a case number earlier this week and told me they would take care of this for me ( especially given I've never been charged a fee for this action with the 8 prior vehicles I've purchased from my brother in WI ). I followed up with Citizens One this morning only to find that they are refusing to cover the cost or do anything about it. I know this is only {$44.00}, but it is more the principal that they said they would cover it, and that they know that the 3rd party is going to charge fees for every customer they have in order to do any kind of title transfer where any other bank would take care of that transaction including any associated fees. Thanks in advance for looking into this, as I feel Citizens One is taking advantage of all of their customers by hiring XXXX and washing their hands of doing the simple things a loan company should be doing while making money already with the interest rate they charge,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: IN
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation