BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX  failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Phillips & Cohen Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22 received a letter stating I owe a certain amount to a creditor, however, does not contain debt validation. They state I owe {$2000.00}. I have no intention on paying this debt as it does not belong to me nor is there a contract that I signed with creditor. They did not provide a copy of original creditor having my signature on that contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after XXXX Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the XXXX Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not 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 2023-10-19
Company: PNC Bank N.A.
State: PA
Product: Credit reporting 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 am writing to demand removal of late payments from my report. This is a violation of both 15 usc 1666 and 15 usc 1681a2 ( a ) ( i ). These unauthorized reports of my personal private and financial information is both illegal and inaccurate and are of no standing to my credit worthiness. I am not asking for validation or verification simply a removal of the late payments as required by law. 

The fair Credit reporting act aims to respect the rights of consumers and i thank you for helping me do that. A rapid rescore would be much appreciated as well thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit reports, and noticed some inaccuracies on my file. I then contacted each of the three major credit bureaus to have these items investigated. XXXX removed all items that I was concerned about. Experian and XXXX refuses to follow their own laws put in place. All items investigating must be shared between all three major credit bureaus in order to report the same information on all three bureaus. In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I got a call from Someone from the financial review team of American express. He told me that my card is will be out under financial review due to an additional cardholder laying a XXXX with my credit card account. I was stunned I immediately shut down my additional cardholder due to the lack of responsibility. 
The representative informed me that my account was put on hold and I had till XX/XX/XXXX to submit my documentation. He sent me a link to upload my documents. On XX/XX/XXXX I tried to submit my documentation through the link but it wasn't working. I called American Express and spoke to someone in the same department and she informed me that my account wasn't under financial review and I was good to go, no further action was required. I even made a purchase on XX/XX/XXXX contradictory to what the representative told me that my account was on hold and I wasn't able to purchase anything. I randomly logged into my account on XX/XX/XXXX and I see that my account is suspended and contrary to what the agent told me on XX/XX/XXXX my account was still under financial review. I was frantic and called American express demanding an explanation for this confusion. I spoke to a senior analyst and she told me that this was a mistake on the representative 's behalf and you are still under review. This was a clear misguidance of the financial review team causing me great grief and confusion. ( I ended up staying a long period of time on the phone calling my financial institution since I was traveling and was unable to send the documentation properly ) The agent ended up slashing my credit to ridicules amount and when I told what could you do for me regarding this whole mess your team financial review caused me. She responded nothing she could only apologize. I also spoke to a supervisor and he also told me he is unwilling to help me. American express clearly misguided me through this whole procedure it unethical to give false information to a customer. I have been an immaculate customer for almost 13 years, unfortunately, this is how American express treats its customers. My friend made a mistake and I paid the price because of their policy. Well, the first policy should be not to give false information to customers. Especially in a case so sensitive. It's now time to step up to pay the price to satisfy their customer. It's a 2-way relationship. I could give probably prepared myself better had this not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent Capital One a billing error packet with a cease and desist letter for an alleged debt by certified mail # XXXX XXXX XXXX XXXX XXXX which they received XX/XX/XXXX2022. Capital One repeatedly sends emails to my personal email address and also call my personal cell phone. The dates I have received emails from Capital One are as follows : XX/XX/XXXX22, XX/XX/XXXX22, XX/XX/XXXX22, and XX/XX/XXXX22. The dates of the phone call are as follows : XX/XX/XXXX22, XXXX/22, XX/XX/XXXX22, XX/XX/XXXX/22, XX/XX/XXXX22, and XX/XX/XXXX22 x2. 
They are in violation of 15 USC 1692b ( 3 ), 15 USC 1692c ( c ) as well as others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contact by someone named " XXXX XXXX '' via a dating app, saying that she would give me money via checks to be a relationship. She had sent over four checks and provided a bank account number to pay off a Wells Fargo Credit card balance. She had sent the checks via email on XX/XX/22 to my XXXX  email address. There were four checks sent to my email the amounts following, {$1000.00}, {$1000.00}, {$1500.00}, {$2500.00}. I unfortunately fell victim to the scam and tried to deposit said checks and attempted the credit card payment with the information provided on XX/XX/22. The checks ended being reversed as well as the credit card payment. She had requested that I send her two payments of {$400.00} and {$500.00} via Wells Fargo 's XXXX Money Transfer service. These two XXXX payments were successfully sent over to a XXXX XXXX on XX/XX/22, ( who I believe is based in XXXX, CA, for the email containing the checks showed XXXX, CA in the email ). I sent over both payments, this " XXXX XXXX '' claimed the payments were for her Jewelry business. Then she requested that I send another {$1000.00} via XXXX, which was declined and did not go through. She then asked me to send a XXXX to XXXX XXXX, which XXXX prompted me to verify the last 4 digits of the person 's phone number, the first 4 digits provided did not work, but the second set of digits provided did work, and XXXX sent the {$1000.00} to this XXXX XXXX on XX/XX/22. Currently as of XX/XX/22, my checking balance sits at - {$1300.00}. I have since ceased all contact with this " XXXX XXXX '', but she still tries to reach out to via email ( XXXX ) in attempt to give me more money via check to resolve my situation. 

Following all of this, I realized I was scammed, and contacted the Wells Fargo Fraud Claims department to file claims on all three transactions, in a attempt to get my money back on these charges. After the claims were filed on XX/XX/22, I spoke with Wells Fargo 's Fraud Claim department again on XX/XX/22, to follow up on my claims. The one transaction on a {$400.00} XXXX payment was reversed, but the other {$500.00} XXXX payment and {$1000.00} XXXX charge were not reversed. I contacted XXXX on XX/XX/22 to file a claim on the {$1000.00} XXXX payment, but I was told since I do not have payment protection, there would be very little chance to get my money refunded.

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 2023-02-11
Company: OPORTUN FINANCIAL CORPORATION
State: NE
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:
Received a report from XXXX  that my social security number was associated with another individuals account. Contacted XXXX and they states that the inquiry was made by oportun bank. Called oportun bank, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
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:
To whom it may concern : I have reached out to Chase regarding a late payment fee that was put on my account. I was unable to pay my account in a timely manner for XXXX 2021-XXXX 2021, which made me receive the late mark for XXXX. I fell ill due to XXXX, which lead me to not be able to work. I reached out to Chase and a representative ensured me that I wouldnt receive any late marks if I paid my XXXX 2021 bill, so I paid it and it didnt make a difference on the reporting because it was still marked late. I have been a card holder with Chase for many years and have always paid my account on time. Im hoping this will help my case when it comes to this late remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX, XXXX XXXX I went to the PNC branch in XXXX , NC , to close 2 minors ' savings accounts in my children 's names. I wish to move my businesses to another bank that still uses tellers instead of a machine, and also the account has a horrible interest rate of just XXXX percent, and I can get much better rates elsewhere. A relative opened the accounts for my children and put my husband 's name on it as the adult. But since then, my husband has died. I have letters of administration in my name for the estate, and we were not divorced, nor in any way involved with any sort of custodial disputes ( as we were married and living in our house like normal people, etc., at the time of his death ) and I can provide the children 's birth certificates. The bank refuses to let me move the accounts without a court order showing I have guardianship ( of my own children, who have always lived in our house and have never been involved in any sort of custody dispute ). The court and attorney fees involved to get this unnecessary paperwork would almost be worth more than the value in the accounts. The folks I've spoken with at the courthouse do not understand why this is required. If this is a bank policy, it is poorly planned. I would like them to release the accounts without having to spend hundreds of dollars in court and lawyer fees, not to mention the time to show up for hearings. I have also filed a complaint with their corporate customer service line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX  different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX  is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX  has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

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