BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The issue started on XX/XX/19. I received a letter stating that my loan would be going into litigation because of the delinquency. Prior to this letter I had explained to Navient that I could not afford the {$560.00} a month payments. I begged them for lower payment options that I could afford. They only offered me the option of forbearance payments until I could no longer make them on the account. I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one loan! I was told by the rep who was helping during the process that submitting all these documents would help get the loan reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no money available in case of a financial emergency. I have no money saved because I basically live paycheck to paycheck. I have inquired for so long about lower payment options and I have gotten no assistance in the matter. I can not afford to make these payments for very long. The interest rate is outrageous. I originally borrowed {$18000.00} and I now have to payback {$45000.00}. I need help please. Navient has been of no assistance and I can not continue to make such large payments for that one loan when I have several others that I will have to start repayment for soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-27
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a notification through my credit reports that I have a collection item on my credit reports. I have not received any notices, calls, or anything from ERC but a negative item on my report. When I called to get more information, the agent was attempting to get my pay schedule and not listening to the fact that I do have rights to be notified before you just impact my credit. She was not listening and therefore I ended the call. The amount is {$750.00} for a XXXX final phone bill. I have no collections on my credit report and this brought my score down by 83 pts, while I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
2. Validate Account : XXXX XXXX XXXX. Account XXXX : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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.

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 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 2018-04-29
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase bank charged me {$95.00} annual fee for my Chase mileageplus explorer credit card on XX/XX/XXXX. And I always keep the card in a good condition without any late payment. However they closed my Chase mileageplus explorer credit card this XX/XX/XXXX without refunding any annual fee. I paid the {$95.00} annual fee for the annual service, but they just provided three months service without any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, I opened a checking account at the BMO Harris Bank XXXX XXXX, IL branch. I funded the account with a deposit of {$1600.00}. On XX/XX/2018, I received the debit card for the new account and noted the address was wrong. The city displayed was wrong. I called the bank and noted to the bank that the address city was wrong and asked for the address to be corrected. 
On XX/XX/2018, I paid online via the debit card for a service. I thought it best to confirm my checking account balance and checked the balance online. On checking the online balance, I found my balance to be XXXX. 
I contacted BMO Harris customer service and inquired what had happened. The Customer service person suggested that I contact the bank in person. I visited the XXXX XXXX, IL branch and was advised by a XXXX XXXX, bank rep, that my account was closed. Per XXXX XXXX, a XX/XX/2018 letter was sent to my address by the Compliance dept of the bank. XXXX XXXX said that due to no response from myself to the letter that the account was closed and a BMO Harris check was mailed to me. The check date was not know by Ms XXXX. But the check was mailed to my address. Ms XXXX said that she had personally tried to phone me to inquire to address the situation in the compliance dept letter. 

I advised Ms XXXX that I had not received the compliance dept letter. Same for the BMO Harris check sent to my address. Further, I indicated that I had not received a phone call from MS XXXX. 

I requested a copy of the letter from the compliance dept from Ms XXXX. She advised me that a copy would be sent to me via email shortly. After a few days and no email received, I contacted Ms XXXX via phone and email. I contacted the branch manager via phone and email ( Ms XXXX had supplied me with a wrong email address for the branch manager ) requesting the compliance dept letter. I contacted BMO Harris customer service requesting the compliance dept letter via BMO Harris via their website contact process. I contacted via phone voice mail with a XXXX XXXX of the XXXX IL BMO Harris branch to contact me. All attempts to have BMO Harris Bank contact me were futile as no body contacted me. I do not have the compliance dept letter. 

I suspect that no compliance dept letter was sent due to the lack of no contact on this request. 

My complaint is about the lack of service in not providing the compliance dept letter to myself and the closure of my checking account. 

I have searched the CFPB database for similar account closure problems and have found 5 others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 non-monetary relief
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PNC Bank is currently reporting me as 30 days late in XXXX when they gave me a deferment and I thought I was protected under the CARES Act to prevent any late payments being reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX19 I attempted to transfer XXXX to my wife 's checking account in XXXX. XXXX 's website required entry of my Social Security number to continue. I entered this, and was denied the transfer. I spoke to customer service that day and was informed that my Social Security number was not accepted because they use it to check my credit and couldn't because I have a security freeze on my credit. I asked why the company did not notify me this was going to happen, and why they need access to my credit report when I have taken steps to certify my bank account with the company already. While on the phone - not providing any answer to these two questions - the representative looked at my checking account and confirmed I have sufficient funds for the transfer I requested. 

I was told the only way I could then transfer the amount I wished, was to fax a copy of my passport to XXXX. This I was not willing to do, so I asked what is the maximum amount I can transfer. I was told XXXX USD every 24 hours. On XXXX I transferred XXXX. The next day I attempted to transfer another XXXX and was denied by the website, with a message saying I was over the sending limit. Yet XXXX 's website states what the representative told me, that I can transfer up to XXXX every 24 hours without providing the additional personal information I do not want to share. 


This continued for several days, until onXX/XX/XXXX19, I was allowed to transfer another XXXX. It has now been another week, unable to transfer more money. On XXXX by email the company sent this message " As of XX/XX/2019, you may send as much as {$1600.00} to your recipient " when I inquired again why their advertised transfer limits are untruthful. 

We do not have another way of sending this money direct to the bank in XXXX. XXXX advertises transfer limits they do not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I had gotten in touch with Capital One in XXXX over the phone to go over my account, and i had set up Automatic Payments with them, so that i didn't miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives 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 deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 been repeatedly contacted on my home phone and cell phone for over two years now by Portfolio Recovery. I do not owe any monies nor do I have any debts. I do not publish my cell phone or use it for anything, only my home phone number. 

I have sent a certified letter asking for proof of a debt and to stop contacting me unless it is in writing. I have not received any communication in writing but the calls still keep coming. The calls are all robodialed with no message left. 

I have blocked calls from them on my cell phone and have had to purchase a message machine that blocks all calls on my home phone unless I allow them to come through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
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:
This account has been paid off In full but somehow during this process I guess the pay off was short due to getting the wrong info. This account also was never fully 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2020-10-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this debt with all three credit bureaus because it was paid a long time ago and I was assured it would be deleted, because it is a medical debt. It is still reporting on XXXX. A law was passed NCAP, that was written just for this type of circumstance. IT reads, " The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid ... ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US Bank started profiling gun stores ( which is a Constitutional right ) and asking all kinds of non-transaction questions to determine if we sold guns. They put it under the guise of " know your customer '' and used that to ask all kinds of non-transnational questions. I referred them to the ATF and FBI for the gun specific questions that were not pertinent to our banking relationship ( they wanted to know how we shipped guns etc ). They then closed my accounts because of this illegal profiling. They claimed they needed to know where my cash deposits came from - they know good and well and XXXX the manager and staff have been in my store before. So they knew who we were and it's not a secret that gun stores deposit cash. It was purely a witch hunt.

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