BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've contacted Transunion XXXX to put a fraud alert and security freeze on my account due to identity theft I created a pin number that I was told would have to be used to remove them. Not even a month later Transunion removed the security freeze and fraud alerts without the pin.When I called and asked why it was removed l was lied to and told they were never there. When I said I had the correspondence stating they were the story changed. I was asked to create another pin number and told the alert and freeze would be placed. Possibly XXXX weeks later the same thing happened. They removed the freeze and alert without the pin and someone was able to place loan and credit applications out on my name again. I called again same lies. I requested to be called for verification if the alert and freeze was attempted to be removed for verification. Transunion allowed it to happen again. I have XXXXuseless pin numbers because Transunion obviously doesn't really require them to be used to unlock or remove anything. If some places and fraud and security freeze they could at least make a minimum effort to verify removal they ask for email and phone numbers they should try using them. If these transactions are taking place they should only be allowed during normal business times not on weekends wher the fraudsters can just do what they want eventhough dealing with Transunion it seems they can do that anyway.

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 2023-05-16
Company: EQUIFAX, INC.
State: MT
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. 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 an 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2019-02-03
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Here are my notes from this dispute ... XXXX says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan! 
Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through XXXX  for a promissory note but none has been provided or found when asked from XXXX XXXX XXXX  ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX   dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute XXXX days pw : XXXX 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XXXX of this XXXX XXXX complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to XXXX lawsuit in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX,2020 XXXX XXXX Peroutka, Klima, & Peters, PA has filed suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and this info on my account is incorrect! Please remove these IMMEDIATELY

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 2020-06-05
Company: CUSTOMERS BANCORP, INC
State: NY
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 XXXX Attachments Mon, XX/XX/XXXX XXXX XXXX XXXX  ( 4 days ago ) I wish to report a crime. I was robbed by Bank Mobile XXXX Bank located XXXX XXXX XXXX, XXXX XXXX CT. XXXX for {$4000.00}. The New York State Department  of Labor Unemployment Division sent my Unemployment Benefits via direct deposit to Bank Mobile XXXX ; However, Bank Mobile XXXX did not post the money to my account even after proof of direct deposit and trace request. I was simply told the bank did not get my money which is a lie!

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 2022-10-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, Chase has XXXX from the XXXX credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my XXXX XXXX dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all XXXX credit reports and couldnt identify a real issue. I called Chase to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like Chase, abuse regular citizens and harm their lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX The National Credit Adjusters placed a opened account of XXXX dollars On my credit making made a derogatory mark on my credit history. During that time I received no notice during that time and was not aware it was on my credit until XXXX at that time I attempted to contact the agency and was unsuccessful, Ive attempted to dispute it with XXXX  XXXX  but the account has still reported derogatory remarks on my credit. It has been over six years that this has been on my credit report. Ive never received a letter, a call or any communication about this debt to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I spoke to a representative to follow up on recent payment made to my credit card with Bank of the West ending in XXXX. The payment was enough to pay my cash advance balance. He assured me that my request would be completed in a few working days. He also committed to reverse out the finance charge because we were paying off the entire cash advance off. Today XX/XX/XXXX we received our credit card statement and confirmed the expected action did not happen, I spoke to XXXX, supervisor on call. She explained that request was not an available customer payment option. This was not explained to me by the representative on XX/XX/XXXX. She commented that there was no record made of that conversation. I mentioned to her that conversations like this are important to document. I am a Vice President at XXXX XXXX  in XXXX XXXX in California and been in the banking industry for over 40 years. 
This I believe is not a Fair Credit lending best practice. In light of rising interest rates for credit cards. What they are demonstrating by their practices is that they don't have their client 's best at heart. 

Please direct me on next steps. Thanks! 

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 monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Follow-up to XXXX. Experian is stating " The company '' they use to verify the data verified a disconnected phone number and refuse to provide the source of the verification. This is dishonest as i've opted out of XXXX so not disclosing how they received this information is illegal. Public record needs to be removed if they can't verify the information. Actual phone for court is XXXX XXXX XXXX as opposed to the incorrect and disconnected number of 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 2023-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my mother after I did not respond to their phone call on XX/XX/2019. I then called back to inform them that they can not do this. They have not called again but they should have not done this in the first place

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 2023-07-06
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/2022

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 2023-03-10
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed several dispute regarding merchants in the past and each time this institution refuses to credit my account pending an investigation and the disputes are denied in the end. The same person investigates the complaint and request information that is impossible to obtain. The most recent dispute was regarding a local XXXX XXXX that served under cooked hamburgers. I followed the direction on the receipt and called the number on the receipt on XXXX XXXX ( XXXX ) -XXXX. I left a voicemail. I called again on XXXX XXXX and XXXX was told someone would be contacting me so I would receive a refund. When I was not called, I called back two times for a total of three. When I did not receive a refund I filed a dispute XXXX XXXX. SunTrust sent an affidavit on XXXX XXXX I signed and returned it. When I did not receive a credit I called and found the same person XXXX requesting additional information. I sent the additional information which was question did I return the food and what date did I return it. I feel it XXXX would have called the merchant investigating and read the dispute I filed it would know I did not return the food. SunTrust is a difficult bank for me to file a dispute as I do not feel it follows the rules for disputes. The rules for its disputes are not published nor provided at the time of filing a dispute. A consumer like me is left in the dark depending a perhaps biased investigator. I feel that this investigator is not and has not worked in my best interest.

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 2023-05-16
Company: EQUIFAX, INC.
State: PA
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:
I did not consent for these consumer reporting agencies to furnish any information disclosed in my FTC report to any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received, absent of any solicitation or notice, XXXX XXXX XXXX debit cards from " Cash App ''. I did not sign up for, request or demand this service. Upon trying to contact the company, I was informed there are three methods to contact them : through their website, which simply explains the other options, a 1-855 number which also merely lays out the other options, and the option to use their app, which I do not have an account with. It is explained on the site and on the automated system that there is no option for live phone support. There is no straight forward option to dispute this situation, and very little information is provided in the mailers I received. I am concerned that someone may have used my identity to request these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
I live in XXXX  and who ever stole my identity has used these card in a different state the lady at customer service said they were never used in XXXX. I now my wallet was stole out my car at the park some time ago. The police came out and took a report and the ins company fixed my window.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
submitted an application for pre-approval and uploaded personal information as instructed and made necessary disclosures. Informed by loan officer that pre-approval could not be given.When asked why, loan officer alleged that pre-approvals are system generated and is not providing a pre-approval and that alternate option would be to submit information to underwriter. Received notice of incompleteness to provide a fully executed copy of the final purchase agreement and all addenda despite not receiving a pre-approval as requested to assess possible loan amount to offer. Submitted all supporting documents in absence of pre-approval requested despite 18 USC 8 covered security 12 USC 84 ( b ) ( XXXX ) and mortgage insurance to mitigate credit risk, Bank of America discriminated my right to extend credit, excessively delayed and evaded responding by phone or e-mail nor provided adverse action letter explained denial of credit. The company has take my identifying information and impacted negatively my credit score with 2 inquires and has discriminated my right of credit. 
Loan officer alleged that credit was denied for lack of credit history and implied authorized user accounts do not qualify, but refused to answer the following questions as regarding credit history requirements. 
How many, at minimum, non-authorized user trade lines am I to have open and for how long are they to have been open before I could qualify for a loan? 
Is this the credit history a definitive statutory requirement and where at law? 
If I obtain a purchase agreement where do I deposit it? 
It has been a month of delays and the company has denied online access to view loan status and loan officer will not communicate.

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 2023-05-16
Company: EQUIFAX, INC.
State: AL
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:
Someone fraudently opened accounts using my information. XXXX XXXX XXXX {$640.00} XXXX XXXX {$800.00} & $ XXXX XXXX XXXX {$610.00}, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} and a lot of inquiries some from the same company repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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