BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I have been a victim of identity theft since XXXX. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then XXXX  has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week XXXX  would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been homeless due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. Experian and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.

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 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter off on XX/XX/2022. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financil instutuion is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2021-06-05
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered I was a Victim of Identity Theft in XX/XX/2014, I filed an Identity Theft Police Report and Affidavit of Fraud. I've contacted the Credit Bureaus multiple times over the past 7 years and notified them that multiple accounts were opened in my name without my knowledge and/or consent. Discover Financial is reporting a fraudulent account on my XXXX  and XXXX XXXX Credit Reports, I notified Discover Financial and advised them I had no knowledge of this account and I believe it was a direct result from Identity Theft. XXXX removed the Discover Financial Account from my XXXX  Report, however XXXX  & XXXX XXXX have continue to report this account as a charge off on my credit reports ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Service ( CCS ) has put a collection item on my credit report. I have never received services/contract with them. They refuse to furnish me with a contract for goods/services that I received from them. How can I pay for something that legally I don't owe?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2019 I was looking at my credit score and noticed there was a hard inquiry that I never applied for. XXXX XXXX XXXX  XXXX says I tried to apply with them on XX/XX/2019. I tried to call the company which they had told me I need to speak to equifax in order to get it removed as I did not authorize it or apply for anything with this company. I have provided a picture so you can see this Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: First Advantage LNS Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in regards to a collection account with National credit audit Corporation. This collection agency is attempting to charge me for a debt I should not owe. The original creditor was XXXX which I have a court ordered judgment for owed debt. I would provide pictures of. I have reached out to XXXX and XXXX to have this debts removed from my consumer report and they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  was contacted over 30 days ago regarding items that were not verified correctly as mine. XXXX has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.XXXX  reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.

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 2018-06-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC added a fee to my checking account without notifying me. I didn't notice the fees till about two years later. There were 21 monthly fees of {$25.00} each, totaling {$520.00}. PNC refunded me {$75.00} but notified me via phone that they couldn't refund the other {$450.00} because it " relied on the customer notifying PNC. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Last year of XX/XX/2020 my car disabled and I dont know whats wrong so I decided to fix it and spend a XXXX of money and I found out that they put a tracking device to disable the car without my notice and evading my privacy. They repossessed my car and the two repo has no mask while they talking to me last two week and no papers to provide. I paid {$500.00} to my loan last XXXX and I miss payments on XXXX coz of covid. Im about to make payments on XXXX but they repo my car on the XXXX and my due date is on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
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:
Incorrect information reported and errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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, XXXX XXXX, filing this complaint independently without any involvement from a third party. I have attached letters to provide you with detailed information regarding the inaccurate reporting in my credit report. The reported information shows inconsistencies and untimely dates across the three credit bureaus : XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1 ) My Friend transferred the amount of {$1000.00} from his registered XXXX XXXX XXXX via XXXX to my registered account of XXXX XXXX XXXX. I had registration via my Mobile Number ( xxx-xxx-xxxx ) and he sent via Email Id. 
Normally in such scenario transaction are reverted via Bank. I got an email from Chase Quick Payment saying that amount will be received which is not relevant, As I have not account in Chase Bank. On further investigation with Chase Customer Service they told that they have a customer checking Account with same email id as mine ( Huge security breach for me ). We checked back with XXXX XXXX XXXX and they told that they went to the Chase Customer and he refused to do the reversal.I have all the transaction details but none bank is ready to provide me any more details on the amount. 


Issue : 1 ) Currently anybody transferring the amount on my email id, Chase customer who is registered in XXXX would receive the amount with no association of him on this transaction. 

2 ) Customer is not ready to reversal of transaction even he is not owning the transaction which is biggest concern for me along with Bank. 







Chase Case No : XXXX XXXX XXXX XXXX :XXXX Transfer Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HelloI am trying to payoff my mortgage with a company Mr Cooper(a/c XXXX)Should be a simple process but not with Mtr CooperFirst of all, they only let you pay up to 90% of the principal using it's web site, so only was able to pay $XXXX   online on XX/XX/2019.On XX/XX/XXXX I requested a payoff amount , while charged $XXXX  expedited fees.The payoff  amount I received was incorrect as Mr Cooper fail to apply my $XXXXtowards my principal even though it should be same day payments.For the rest of my unpaid balance onXX/XX/2019 I sent a wire from my checking account at XXXX XXXX XXXX   bank for $3,710.00.Mr Cooper never applied this wire towards my unpaid balance, they used escrow funds to payoff my mortgage so the $XXXX I wired on XX/XX/XXXX are still missing as of today, XX/XX/2019, despite several phone calls and messages I sent through MrCooper web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: PA
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:
This complaint concerns a dispute in the amount of {$4700.00} with XXXX XXXX. Citi bank refused continuing arbitration for the full amount of the billing dispute claiming that required second opinion letter was submitted late : " Because we did not receive the requested documentation until after our second request for credit was submitted, we are unable to assist further with the remaining {$2700.00}. '' This claim is incorrect. As can be seen in attached document titled " Request for second opinion and response '', the deadline for the letter was XX/XX/2019 and the second opinion letter was received by Citi bank on XX/XX/2019 at XXXX according to the time stamp. The letter was scanned on XX/XX/2019, as can be seen in the receipt and confirmed by a phone representative, but this was not something in my control. The letter was sent on the day of the deadline, Monday, because Citi gave me just 5 business days to obtain the letter as it took the bank more than 20 days to process merchant 's response despite Citi promised to do it in 10. The fact is Citi Bank did not honor their own deadline. 


Thanks, 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 2023-05-30
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Date : XX/XX/2020 I just registered for an account with Binance.US. I successfully completed all 3 levels of verification which involved submitting my social security number, picture of the front and back of my driver 's license, most recent bank statement with current address, a selfie, and verified verified my phone number. After submitting all of this information, I tried to fund my Binance.US account via an ACH transfer from my checking account in the amount of {$1000.00}. After initiating the transaction, I received a message from Binance.US saying the funds should appear in my account within two minutes. I waited a couple hours and there was no money in my account. I reached out to customer support and got a generic reply that was not helpful at all. It has now been seven hours and there is still no money in my account. I have provided sensitive personally identifiable and financial information to this company with the expectation of being able to purchase cryptocurrencies on their exchange, and their service is useless to me if I am unable to fund my account. So now I am in a situation where this company has all of my personal information and they are not providing services to me. I have a friend who is also having similar issues with Binance.US so I know this is not an isolated issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX  and Transunion  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2022-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS FAIR COLLECTIONS AND OUT XXXX -- -> : {$3100.00} XXXX XXXX XXXX  XXXX -- -> : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been disputing the account with Capital Accounts for some time now, as it is an old debt and is incorrectly reported on my credit report and has affected my credit rating in a negative way. I have requested more than 7 times, documents reflecting my original signature for each procedure performed, agreeing to the procedure and the costs, as I do not agree with amount owed. The company has not supplied me with the documents I requested, which I am entitled to by law, and has failed to validate the debt. As a result I have sent a Cease and Resist letter to Capital Accounts refraining them from further collection activity although this request was ignored like all previous requests. Capital Accounts has failed to supply me with the necessary documents to validate the debt, and at the same time has also refused to remove the account from my credit report which has only caused further damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Exeter Finance Corp.
State: SC
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 Exeter XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights 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 1668b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation