BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Submitting complaint as I am potentially affected by the Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.

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 2022-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I went to a local JP Morgan bank here in XXXX XXXXXXXX XXXX At that time, we gave the bank officer money and he in turn gave us 3 Chase Cashiers Checks. On the Chase checks, the date was listed and it said that they were void after 7 years. On XX/XX/XXXX and XX/XX/XXXX, I deposited the checks into our checking account. All three checks have been returned, as there are no funds available concerning these checks. The checks are worthless. After having a case started and speaking with the branch manager and numerous people in the Escalation Dept, it was determined today that Chase declared the checks as unclaimed funds sometime in XXXX. I was told by a person called XXXX in the Internal Dept of Chase that she has no idea where the money went. She said it could be in XXXX XXXX, or possibly XXXX. She didn't know and it was my job to find it. She would also not tell me what city she was located in. 

At no time did I ever receive notification that my checks were useless as they state on the check that they are valid for 7 yrs. Can someone please help me locate my money, as a XXXX search produces no results for unclaimed funds under our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortage thru PNC Bank in question was on a home we sold thru a realty listing XXXX XXXX, was paid in full thru a closing attorney, and we have all documents showing so. Approximately a month ago started receiving notices that our home owners insurance had lapsed, and PNC would be adding Insurance to the property. Contacted PNC, they showed a balance due of {$30000.00}, so it went downhill from there. Nobody has an explanation, after several phone calls including with managers, say they will get back with me. They claim they are working on it. In the meantime, I have received notices of {$4000.00} owed to the most recent of {$7000.00} owed. I have received calls from their collection department as well as they have turned info over to credit bureau. The closing attorney has been in contact with PNC and at this point to no avail. The story is much longer than this, bottom line is we do not own this property as it was sold, mortage loan paid in full, I have all documents proving so. Tired of being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Was not notified of investigation status or results

Complaint:
I have new updated information and concerns about Equifax response and procedures of my consumer reports! 

On XX/XX/2022 Equifax determined that my alleged hard inquires were factual/verified I need Equifax to describe the procedures used to determine the alleged verified hard inquiries on my consumer reportIf Equifax cant describe what procedures and methods was used to verified these alleged hard inquiries, I DEMAND Equifax to remove all of the verified inquiries pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681i ( a ) ( 6 ) ( B ) ( iii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is allowing fraudulent inquiries to be furnished on my consumer credit report. I've demanded valid proof of such inquiries and Experian has failed to supply me need information. They are violating me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Account information incorrect

Complaint:
Today XX/XX/2022 During a recorded call with a representative From the dispute department at Experian, I was told that even as a federally protected consumer that they did not have to respect the laws 15 USC 1681B, 15 USC 6801, 15 USC 6802B, I was told no matter what the law says they were not going to remove the personal and private information exposure that theyve made me a victim to identity theft. They refused to remove the information provided as instructed

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 2021-01-28
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2021, I was issued 2 child support payments. One for {$42.00} and one for {$100.00}. On XX/XX/2021 at XXXX XXXX I called the toll-free number on the back of my card to verify my balance. At that time my balance was {$160.00}. On XX/XX/2021, I attempted to log into my online account and got the notification that my account was closed due to fraud. At XXXX XXXX, I made an effort to call the toll-free number on the back of the card and was told to stay on the line for an important message regarding my account. During my first attempt to contact them I was on hold for 53 minutes before being disconnected. I tried to call them back a second time and finally spoke to somebody who knew absolutely nothing and told me she would transfer me to the fraud department. After sitting on hold an additional 47 minutes, I hung up. I then called back a third time and did not follow any of the prompts and just waited for a customer service representative to answer. Again, I was told I would be transferred to the fraud department. I asked the customer service representative for a direct line to the fraud department and she told me that number did not exist. I waited on hold for approximately 45 minutes before hanging up. After doing some research online I found the direct line to the fraud department and called that number. However, to my dismay, once again after sitting on hold, my call disconnected before speaking to anyone. Now, I have a card, that to my knowledge, has {$160.00} on it that I do not have access to. They will not even let me report it stolen or request a new card without speaking to somebody and I have been unsuccessful in reaching anybody that can help me at this company. I am unable to access my account online or via phone to find out any information, including recent transactions our current balance. They canceled my card without even contacting me and now I am completely in the dark about whats going on. Hi

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with Equifax they are committing fraud and breaking consumer laws. And with Equifax having one of the largest Identity breaches, im not surprised. I am a victim of that breach. XXXX is following suit stating that the disputed information is verified however, according to the US Bankruptcy Court of Chicago- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL XXXX, Equifax and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with Equifax and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of Equifax 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Customer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX XXXX and TransUnioncredit report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXXXXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX, Account XXXX XXXX : {$200.00} Never late. XXXX reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXXXXXX XXXX Account XXXX XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. XXXX reporting agencies show I was never late. Collect letter removed it from XXXX credit agency, but not the other XXXX credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.

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 2017-10-18
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.

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 2018-11-29
Company: Flagstar Bank, N.A.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX on XXXX I lost my home to a house fire. I have an FHA mortgage with Flagstar Bank in the amount of {$78000.00}. My home was declared a total loss and my insurance company XXXX XXXX has paid the available amount of the insurance policy {$190000.00}. As required by law, " I have been told '' the checks have made to me and the mortgage holder Flagstar Bank. I have signed the checks and forwarded them to Flagstar Bank. Construction began in XX/XX/2018 and has been completed as of XX/XX/2018. Flagstar Bank was notified and a request for the final inspection was made at that time. To date I my property has not received a final inspection. Flagstar refuses to release any of my money. Flagstar is holding Approximately {$60000.00} of my money. I owe contractors and suppliers and stand in danger of having leans placed on my property because of my inability to pay my bills. Flagstar Bank collects my full mortgage payments even though they have never made {$6000.00} of that mortgage available. They are withholding payment for the general contractor n excess of {$31000.00}. Flagstar is withholding my recoverable depreciation in excess of {$18000.00}. From the beginning to end they, Flagstar Bank has used delay and bait and switch tactics to with hold of refuse payment. The latest example of this behavior is switching property claims processing companies the day after I requested a final inspection. This isn't unexpected. Sadly this fits the pattern I have experienced through out the entire process of dealing with Flagstar. They constantly claim they are not in receipt of documents they have previously claimed were in their procession. Flagstar computer malfunctions and makes it almost impossible to resubmit the documents they claim they don't have. Wait times on the phone exceed one hour and have been as long as one hour and forty five minutes. Employees have picked up the line that I was put on hold and asked me, " are you still there '', then they hung up on me. 
I am seeking your assistance in receiving being all $ funds being held by Flagstar Bank in the matter Property Loss Claim XXXX XXXX XXXX , for XXXX XXXX for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX Arkansas XXXX. I can be contacted at XXXX XXXX XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX Arkansas XXXX. Please keep in mind that this is an urgent matter in that I owe people money that have worked very hard to complete work on my house. Please help me to collect money owed to me from Flagstar Bank.

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