BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
IN XX/XX/2019, I WAS TOD I OPENED AN ACCT AT XXXX. I DID NOT. I CALLED THEM AND THEY CLOSED IT. I THOUGHT IT WAS OVER. THEN I GOT NOTICE IN XXXX THAT I OPENED AN ACCOUNT AT XXXX. I VERIFIED THESE BANKS HAVE MY SOCIAL AND DOB WHEN I CALLED. I CLOSED XXXX. IN XXXX, I RECEIVED NOTICE I OPENED 3 ACCTS AT PNC. ON XX/XX/XXXX, I RECEIVED NOTICE I WAS DECLINED OPENING AN ACCT AT XXXX XXXX. 
I HAVE PLACED A FREEZE ON ALL CREDIT BUREAUS IN XXXX ( MAYBE EARLIER IN XXXX ) I ALSO CLOSED XXXX  SO MY ACCT HAS FLAGS, PNC WENT AHEAD AND OPENED THE ACCTS. THEY WILL NOT TELL ME ANYTHING ABOUT THEM DUE TO FRAUD. I REPORTED THE FRAUD!! 
I WENT TO MY CITY POLICE, THEY REFERRED ME TO MY COUNTY POLICE. THE COUNTY POLICE SAID THERE WAS NOTHING THEY CAN DO. 
SOMEONE HAS MY INFORMATION AND IS TRYING TO COMMIT FRAUD. I WANT MY INFORMATION CHANGED. I CAN NOT CONTINUE GETTING THESE NOTICES AND ATTEMPTS TO TAKE SOMETHING FROM ME. PNC ALLOWED THE ACCTS TO GO THROUGH AFTER I MADE IT IMPOSSIBLE. THIS IS GETTING RIDICULOUS! PLEASE HELP ME. 
THANK YOU AND SORRY I TYPED THIS IN CAPITAL LETTERS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The paypal account was suspended without any information. NO FRAUDS whatsoever BUT WAS SUSPENDED INDEFINITELY! Any incoming payments was never processed. A return from ebay and the refunds was not accepted making it unable for me to get any refunds. A transaction using the debit card from paypal needs to be disputed but I am unable to do so due to the paypal 's suspension. Up to this date, I can not seem to do any transaction.

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 2020-07-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by XXXX XXXX. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted XXXX XXXX in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : XXXX XXXX MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX ) XXXX XXXX gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way XXXX XXXX provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.

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 2022-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/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 2023-06-24
Company: EQUIFAX, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 m
y 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
I inadvertently paid {$3000.00} to Chase rather than XXXX on or about XX/XX/XXXX. I realized the mistake on XX/XX/XXXX and closed Chase customer service and was assured the payment would be reversed and it would take 2 days. It didnt happen. I called again on XXXX and was transferred to the payments dept and told it takes 10 days and due to the holiday, my money would be back in my account on XXXX. It didnt happen. I called again on XXXX and a payment supervisor named XXXX was beyond rude and told me it would XX/XX/XXXX as they hadnt received the payment until XX/XX/XXXX. She then hung up on me. This is contrary to what every other person told us. I immediately called back and spoke to supervisor XXXX who said that no refund had been initiated and it will now be XXXX business days. 
We were in vacation during this ordeal. Upon our return, there was a letter in our box dated XX/XX/XXXX indicating that the payment has been adjusted. 
I need my money asap as they have had it for nearly 3 weeks and no one seems to know or care how to correctly proceed. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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

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 2020-07-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by XXXX XXXX. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted XXXX XXXX in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : XXXX XXXX MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX ) XXXX XXXX gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way XXXX XXXX provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, Experian and XXXX refused to accurately investigate while sending correspondences back stating everything was accurate. 

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 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 Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, XXXX, XXXX and Experian failed to mark notice of dispute on my credit report.

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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts. 

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked 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 2023-07-10
Company: WELLS FARGO & COMPANY
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:
i went on XXXX  to check my credit score and it says that i have a wells fargo credit card i have no knowledge of that accoount i dont have or havent had a wells fargo credit card ever the company disagrees of my complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had a voicemail on my phone, number unknown, from a man named XXXX stating that he was from the county process service and his call was concerning a failed attempted delivery of a court summons issued to a XXXX XXXX. I have been married XXXX  times and so my name has changed but I legally changed it in XXXX to XXXX XXXX. It's never been XXXX XXXX. My legal name now is XXXX XXXX. He went on to say they were going to selfserve the documents tomorrow morning, XX/XX/XXXX and wanted to make sure I was available for service. And if I needed to make any changes that I should contact the law firm at XXXX and reference case number XXXX. 
I called that number this morning, which was identified as XXXX XXXX Law, and spoke to XXXX. He stated that I owed {$8000.00} to Chase Bank/Providian/Washington Mutual from XXXX XXXX XXXX also informed me that if I didn't agree to pay then they would pursue this matter further and I would also have to pay attorney and court fees in the amount of {$13000.00}. XXXX knew my previous married names and had my XXXX  # which I am concerned about. 
XXXX said this was for an old credit balance. He did not say if it was a line of credit or a credit card. Just that if I didn't pay then they will place a lien on my home. XXXX was rude, called me a XXXX and XXXX  for not paying my bills. He refused to give me the original debtors name, address, my account number or their phone number. 
I managed to get their address from whoever answers the phone as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. He said there was no suite number. I called the property manager of this building, XXXX XXXX at XXXX. XXXX said there was no company of XXXX XXXX XXXX XXXX on his rental roll and there would absolutely have to be a suite number since this address has XXXX XXXX story buildings. 
It is very frustrating to get calls like this that have no basis. I have never had an account with Chase Bank or Washington Mutual nor have I had a Providian account. Even if I did, this " debt '' is well over the statute of limitations. I have purchased XXXX homes since XXXX and I am absolutely sure this issue would have come up. 
I have never received anything by mail from any of the companies listed above or from a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi my wife and I refinanced our existing fha mortgage 1st week of this past XXXX to consolidate some debts with loan depot. The process from start date of about early XXXX until closing XX/XX/2019 was the most brutal, highly stressed, misinforming, agonizing process my wife and I have ever had to deal with. XXXX XXXX was our loan officer who at one point left us hanging with no communication for 2 weeks until her manager XXXX XXXX got involved and took over apologizing for XXXX actions and how she handled this. XXXX was just as bad with communication, lingering, and ended up having XXXX retake over the loan without informing, which i gave a second chance to just move forward and finish the loan but shouldve known better with so many red flags that we were not represented properly. We were also told lies that we found out after closing. One lie was we were told we would be recieving about {$8000.00} escrow refund check from XXXX XXXX XXXX our first mortgage. I recently inquired and found out it was about {$850.00}, huge difference and complete lie. Second lie was that we can apply to hud after closing to get prorated return premium on our up front mortgage insurance premium on first loan with XXXX XXXX XXXX. That was a lie as well after we spoke to hud, hud explained there would be no return premium and that a credit was applied already to loan depot loan, which is completely fraudulent on XXXX XXXX and loan depot. Also our closing disclosure kept changing and also changed on us right before closing with amount of cash to close at table around {$23000.00} and we continued and went thru just to get over this long brutal process that we could not imagine starting over again with another company. Also keep in mind we were told we would get back {$8000.00} escrow check and a prorated return premium for up front mortgage insurance which we only had the first mortgage for about 2 years so we thought several thousand dollars since we did pay about {$6000.00} on 1st loan. Another lie after Hud informed us not true. We thought we would be getting back $ 10-12k dollars back in checks which is the main reason we put down so much to refinance, otherwise it doesnt even make financial sense. This loan from begining to end between XXXX and manager XXXX, was completely disturbing, fraudulent, misrepresented, and unethical. Our livelihood is on the table and not taken into consideration not 1 %. This was cruel, unethical, incompetent on their behalf, fraudulent, and wrong on so many level. They should be held responsible for all this at the highest level possible and their license should also be questioned and they both should be investigated as im sure im not the first or last consumer who has dealt with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Original Creditor Company Sold Account Type Cell Phone Date Opened Open/Closed XX/XX/XXXX Closed Status Status Updated Collection account. {$2400.00} past due as of XXXX XXXX. 
XX/XX/XXXX Balance Balance Updated Paid Off {$2400.00} XXXX XXXX, XXXX Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 It is legally for XXXX XXXX to charge off a credit file the loss on their and paid by taxes XXXX XXXX can not continue to collect on an account that was paid by loss It is illegal to seek payment for debt twice It is also identity theft to continue to access my report using my personal information to report Derogatory information late payments charges or delinquent claims My rights to privacy have been violated.

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 2018-04-09
Company: SYNCHRONY FINANCIAL
State: CO
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/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX JCP ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me On XX/XX/XXXX XXXX XXXX responded and stated they report accurate information pertaining to my account and are unable to modify my account. 

as a result the debt that has not been validated and was updated on my credit repot on XX/XX/XXXX XX/XX/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