BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX 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 2019-02-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXXXXXX 3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/2016, XX/XX/2016, XX/XX/2016 all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX  XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
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:
JP Morgan Chase continue to charge annual fee for multiple years while the credit card was not longer used and inactive for multiple years. I requested the refund of the annual fee for the last two years and was denied. Typically credit card was suspended automatically due to inactivity. But Chase kept the credit card active on my account for the sole purpose of charging annual fee while my other inactive card were cancelled automatically. This is a predatory business practice solely for the financial gains of Chase. I wonder how many consumers were defrauded by chase with similar criminal practices. 

I need full refund of annual fees for the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
In 2015, my aunt opened a XXXX XXXX account in my name, using my social security number and address. 
I have disputed it many times with creditor, Portfolio Recovery, however my aunt is making payments so they will not dispute it. 
I have cleared it from my XXXX and XXXX. 
But XXXX denied my dispute and only updated the new amount owed that my aunt, XXXX XXXX, has paid. 
This is identity theft and fraud! It continues to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Their investigation did not fix an error on your report

Complaint:
There is a fraudulent account from XXXX XXXX XXXX reporting on my Equifax credit report and I submitted ; FTC report, personal statement, police report and notarized statement and Equifax never cleared the fraudulent account from my report. Its been close to 60+ days and the item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The items listed arent mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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: Information belongs to someone else

Complaint:
I'm lost for words and don't know what else to do but file a federal law suit against Experian credit bureau. I have supplied Experian with my police report and a identity theft packet along with my notarized statement and the following 2 fraudulent accounts remain on my credit after 6 months. 

Experian Report Number XXXX 1.XXXX XXXXXXXX Account Number XXXX 2.XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX APR promotion from PNC for my credit card account. I wrote a check to myself in order to consolidate my credit card bills and went to a PNC branch on XX/XX/2019 to deposit the funds in the amount of {$7700.00}. Funds posted to my account today XX/XX/2019 in the XXXX. I went to pay a bill and at th end of business and PNC reversed the funds and withdrew from my account after it deposited!!!!! Not only did PNC not notify me I almost bounced my checking account due to their negligence. If PNC needed to place the funds on hold from a Regulation CC the bank should have put the funds in a pending status only and not deposited the funds. I called PNC customer service to find out what happened. The PNC credit card department stated they couldnt see anything in my account and to return to the branch which is unacceptable. Removing deposited cleared funds not only is a terrible practice it is a UDAPP violation against me as they potentially caused overdrafts fees on my end for insufficient funds. This is not only unfair but PNC didnt even advise me. Talk about a bait and switch situation. I am looking for asssitance from the CFPB on this matter and no one could assist me today since the branch is closed and apparently when you have escalations such as these no one is there to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cross country Mortgage does not communicate on escrow. 

I received a bill in Mid XXXX to and the payment went up from {$2600.00} to {$3100.00}. I called several times about why the payment went up so dramatically. They kept on explaining that it was due to taxes. So I looked at the taxes and noticed that the homestead exemption was not been issued. I did so in early XXXX and thought the issue would be resolved. But the credit was only {$350.00} a year. So I called again and they told me to do an analysis by email. I submitted the analysis still not change. Finally spoke with a supervisor and he noticed that there was a forced placed insurance that was added in XXXX going all the way back to XXXX. I closed on the house in XX/XX/XXXX. 

By law you have to pay your insurance for 1 year in advance in order to receive closing documents. I was not giving any notice that there was a forced placed insurance added nor did they ask for me to proof that I had insurance. Very upset because my XXXX payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Todd, Bremer & Lawson, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a big problem that I'm encountering with. So a university 's cashiering office in XXXX, VA claims that I owe the debt to the school. But I claim that I don't them money. Same thing with this debt collection called Todd, Bremer, and Lawson. They were begging and keep asking me like threatening me that they want the money amount from me. I don't have enough money to cover that amount. This has been going on for months since XXXX or XXXX of 2018. I may feel that both are gon na file a lawsuit and pressing charges against me in court. Am I protected under the FDCPA? I don't know if I'm gon na go to jail if I don't pay the debt to the university cashiering office and Todd, Bremer, and Lawson agency. They also were keep calling me and sending me letters about paying up the debt, but they also begged as well. I'm trying to resolve this issue, but it didn't work for me. Both have all of my information such as address, email, phone number, and other stuff on file just like looking into my information. I want them to remove all of it for good so I won't receive anything in email or mail. I don't have enough to pay the debt, they were begging me and I don't have a job that I'm working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Bank of America closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.

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 2019-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/XXXX/Experian -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.

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 2021-01-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday XX/XX/2021 I was on XXXX XXXX and inquired about availability. The seller sent me a message on Messenger to inform me that it was available for either pick up or they would ship. I have made many purchases through XXXX and ebay and was informed that payments are handled the same way, the seller gets paid once the buyer receives the item and it is as described. I have never purchased on XXXX marketplace using online payments but have noticed may sellers offering to ship. I paid the seller known as XXXX {$250.00} using my XXXX XXXX XXXX card using the link provided to purchase a Macbook Pro and saw no warning regarding the potential for scams. I also did not worry because of the protection on purchases. Unfortunately the following day my inquiries over shipping and tracking were returned and all traces of the seller have disappeared. I contacted NFCU and was told that since this was a payment to someone on XXXX the payment was not protected and I was out {$250.00}. The transaction was still listed as pending but they refused to assist me or take a report. No where did it state it was transfer to the seller and my receipt from the transaction confirms it was for a Macbook Pro.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/EQUIFAX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XX/XX/XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX/XXXX   account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits  on initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Three credit cards were opened using home address with three different names. All three credit cards received in mail on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Weber & Olcese, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX an agreement was reached with Jefferson Capital to settle a debt, for a XXXX account. They promised if i paid the amount agreed of {$160.00}, they would remove the XXXX account from my credit. In the course of a year, I contacted them several times and everytime they would say to send the credit companies the satisfactory letter except I would wait months and no letter. I kept contacting the credit agency and they kept referring me back to Jefferson Capital. This back and forth went on for a while. 

I recently contacted Jefferson Capital in XXXX of XXXX upset and got them to agree to send me the satisfactory letter electronically since a whole year had gone by and I never received it by mail. I sent it to all 3 credit agency as instructed but they still would not remove the XXXX account. 

I called back Jefferson Capital back and now they told me to send the letter to XXXX. For a whole year I have been bounced back and forth! 

Jefferson Capital were the ones who promised to remove the XXXX account from my credit report. 

I am requesting that they please honor their agreement and remove that account as they promised from my credit. I kept my end of the agreement and paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Revolving Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all XXXX  bureaus. 


Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.

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 2021-04-06
Company: Lending Club Corp
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: Account status incorrect

Complaint:
Have submitted proof to XXXX  on more than XXXX occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed

Company response to consumer: Closed with explanation