BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.

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 2020-05-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFTER LOOKING AT MY CREDIT REPORT I WAS HORRIFIED TO DISCOVER THAT ENHANCED RECOVERY WAS REPORTING A DEBT THAT IS NOT MINE. I REACHED OUT TO THE BUREAUS TO HAVE IT REMOVED. THEY FAILED TO DO SO. I REACHED OUT TO ENHANCED RECOVERY AND INFORMED THEM OF THIS ERROR AND THEY HAVE NOT LAWFULLY REMOVED THE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Nothing was taken. XXXX is unable to link to my PNC account, on behalf of PNC. They will not allow links from outside sources. This is problematic and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a rate locked in with Caliber Home Loans for a refinance. This was done in mid XX/XX/2020. 

The rate lock expired XX/XX/2020, the terms were changed by Caliber after the rate lock expired and they have since provided 3 different loan disclosures with different terms. 
- {$11000.00} in closing costs, vs. the original {$97.00} - {$8000.00} in closing costs, vs. the original {$97.00} - in an email, then reduced to {$5000.00} vs original {$97.00} Leading up to the rate lock expiration date, I have followed up several times by email, that the rate lock was expiring and how much longer it was taking to close the loan. I had provided all documents on time always. 

They changed their terms after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: RI
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:
Ive contacted the company and tried asking them to report the correct payment to the credit bureaus but I have no success. Some how it says I owe $ XXXX when I have the real actual pay down to $ XXXX? Im not understanding why this occurred.

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 2020-11-19
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: Old information reappears or never goes away

Complaint:
XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: TN
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:
Remove the items listed on my FTC reports

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 2019-09-13
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
From the minute I became a customer I have not been satisfied with XXXX! My credit limit has been drastically reduced as a result of me not using my account as often as Comenity bank feel I should! The less I use my account, the more my credit limit is reduced! These deceptive practices have caused my credit score to go down! I previously filed a complaint with the XXXX XXXX XXXX in which a representative called me back talking about a different issue that had nothing to do with my complaint and never addressed the issue that I currently have! The representative even mention late payments and the fees on my account as being the reason why my credit limit was decreased! I explained to the rep that the late fees was due to my card being stolen and I should not be held responsible for that! Comenity bank and XXXX XXXX need to be held liable for their deceptive practices! I wanted to formally file a complaint here before I file one with the attorney generals office! I wanted to go on record with this agency first before I pursue the rest of my complaints! If my complaints can not be resolved Comenity bank and XXXX XXXX will be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions 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:
I recently pulled my credit report and noticed this is not my account.

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 2021-05-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX. i'VE ATTACHED my social security card for verification purpose ( SSN : XXXX ) .I really need your help. my identity was stolen. now accounts are being started using my personal information.I filed a FTC REPORT ALREADY ( report # XXXX ). Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I identify all the inquiries and accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I HAVE A GOOD STANDING CREDIT CARD ACCOUNT WITH TD BANK SINCE XX/XX/XXXX WITHOUT ANY LATE PAYMENTS. LAST TIME I MADE A PAYMENT WAS THROUGH ONLINE AUTOMATIC SYSTEM. ACCOUNT WAS NEVER LATE AND ALWAYS BEEN A GOOD STANDING. MY CREDIT IS EXCELLENT FROM ALL THREE CREDIT REPORTING AGENCIES. 
I TRIED TO LOG IN SINCE LAST FEW DAYS AND TRY TO CHECK MY ACCOUNT IT DIDN'T GAVE ME FULL ACCESS TO IT. I CALLED BANK THEY GAVE ME NO REASON AND TOLD ME MY ACCOUNT IS IN COLLECTION. 
ON XX/XX/XXXX I WENT TO TD BANK XXXX NEW JERSEY BRAND AND SPOKE TO BANKER SHE TRIED TO HELP ME AND CALLED CUSTOMER SUPPORT AND WE BOTH GOT SAME NO REASON ANSWER AND THEY TOLD US THAT WE ARE GON NA RECEIVE LETTER WHY MY ACCOUNT IS CLOSED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received a free credit report from Transunion despite my request. Each time I try to start a dispute online, I am told the website is having technical difficulties. The former is reasonable when its a day but two months? Also, there are two accounts paid in full that show collection derogatory. I can not file a dispute because the website does not permit. When I call, the wait times are unreasonable. Also, when I try to file a dispute it requires consent to contact creditor and informs me my dispute may cause them to discover additional information. They was the consent request is written the intent is to i consumers from filing a disputewhich they can not on the website because they are having technical difficulties for months now. 

It would not be a big deal if they updated my report more than twice. But, its hindering me because we are trying to buy a house.

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 2021-05-07
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This account was used without my authorization. I contacted the financial institution in XX/XX/XXXX, when I received my XX/XX/XXXX statement and realized there were charges that I did not do or authorize. Immediately I requested the account closed and the company said they would open a investigation. I received a letter on XX/XX/XXXX stating that because of my fraud claim there will be no minimum payment due and they were investigating. 

The account had one charge made on it in XX/XX/XXXX and was paid in full as of XX/XX/XXXX. There has been no activity on the account from that point forward until these charges were made in XX/XX/XXXX when I received the statement I referred to above. There was 23 action items on the statement I received, some appear to be credits as well as several charges totaling over {$10000.00}. Along with all of them being within 100 mile radius of the XXXX XXXX area. 

It appears from my credit report that around XX/XX/XXXX there were credits made to the account taking the balance from almost {$10000.00} down to around {$5000.00}. After that the financial institution told me that because there were payments made that I was responsible for the account. I have not made a payment on this account since I paid the account off back in XX/XX/XXXX nor did I make any purchases on the account. I feel like I am being discriminated against based on my status as a regular citizen, along with being taken advantage of teaching not being taken seriously by this financial institution. My interaction with the company did not seem genuine and was not taking seriously. 

XX/XX/XXXX I received a letter from the company stating to allow 30 days for the consumer reporting agencies to update their files and they would be in contact with me in the future. 

In XXXX I received another statement showing that they were credits made to the fraudulent charges on the account however it has a new account number and now there is a balance of {$5000.00} as I referred to above. All of this needs to be taken care of right away as this is it right and again its criminal.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to my recent credit report request from XXXX, Experian, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA XXXX, XXXX, and XXXX ). Please Follow the Law Of The State of Mississippi

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 2018-04-30
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivable Performance is reporting a collection for a debt I didn't authorize. The mark is negatively impacting my score in which I was recently denied credit. This account is causing me damages. I have disputed it with the credit bureaus and have filed a identity theft report through the FTC and had it forwarded to them as well as the credit bureaus. Im beyond upset about this and want it to be resolved 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 explanation
Consumer complaint received 2019-09-13
Company: JPMORGAN CHASE & CO.
State: FL
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:
I bought a pairs of shoes with my Chase freedom credit card to a company called XXXX XXXX for the amount of {$750.00} dollars on XX/XX/2019, when I receive the shoes one of then wasn't what I order and I call the company to claim my what I ordered and they tell me that they were gon na open an investigation, after that I try to get in contact with them calling more than XXXX times and they don't answer to me, so I decide to call chase and open the dispute, after that I receive a credit on my account for the amount of {$350.00} but still XXXX dollars pending to be refunded, I've been calling chase every day in order to get that money back and provide proof that I returned the item plus pictures of what I receive and return label, and they said that is not enough and that there is nothing they can do, so I don't know what to do in order to get back the {$390.00} dollars that I paid for something that I didn't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: IL
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:
XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY I disputed the referenced account above on XX/XX/2021. The credit report of XX/XX/2021 and your report # shows results that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

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. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My relatives in United States of America send money to me here in the XXXX thru Xoom but the money not yet sent to my bank account it take long time. I really need the money for emergency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consolidated all my Federal Student Loans with XXXX XXXX as my servicer in XX/XX/XXXX but Navient/XXXX  started billing me for the reference loan. I have been writing them disputing the loan and telling them it was included with all my loans in XX/XX/XXXX. They also have been reporting this loan on my credit bureaus, XXXX  and XXXX. They also have it reported as a defaulted loan. I filed Bankruptcy in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and each time I listed this loan. 
I wrote Federal Student Aid and the Ombudsman Group to assist with resolution. Ombudsman has been working to solve the error made but XXXX but it is still on my credit reports and listed as a defaulted loan. This is the information who is helping with this issue for months. 
FSA Ombudsman Group Case # XXXX Inference : Federal Student Aid Federal Family Education Stafford Subsidize XXXX XXXX XXXX XXXXt phone # XXXX XXXX XXXX Please assist with XXXX  fraudulent information being reported to credit agencies and they are trying to collect monies from me that I do not owe them. 

This is what XXXX is reporting to credit agencies that is incorrect information because I have included this loan into XX/XX/XXXX consolidation and filed it in all my Bankruptcy Cases. 
XXXX : opened XX/XX/XXXX Original Creditor : Navient XXXX XXXX XXXX DBTCA ELT High Balance : {$2100.00} Thank you for your attention in this matter. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation