BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CITI CARDS CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA/THD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CITIBANK NA., BEST BUY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.

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 2021-11-17
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the XXXX credit bureaus. To date, the XXXX credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX  XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX XXXX points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX 's credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX 's account, dropped my score XXXX points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.

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 2021-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Payments submitted by credit cards for payments. Returned by Chase Bank marked no account found. I have used the same account over 20 years. I have called Chase, they say its my fault. They refuse to fix it. I have negative reports at the credit agency because of Chase Bank. They wont fix that either. All of my credit cards are paid thru the same account and only that account. None of my other cards have had any issues .These are the only 2 so far. XXXX XXXX XXXX XXXX ( XXXX ) Charges for returns XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00} plus XXXX {$15.00} charges in XXXX. They told me they couldnt give dates that far back. I want Chase to remove all negative reports to the credit agency since All 3 of them. its their mistakes. Also XXXX XXXX {$20.00} & XX/XX/XXXX {$20.00}. Chase refuses to address their mistakes. And fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Unlock Wealth $
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
-I filed a similar complain under a different category. Since this is not a traditional personal loan or business loan, I am submitting 2 complaints. One for each category that it may fall under. 

-On XX/XX/XXXX I paid a contribution amount of {$2500.00} for inclusion in the platinum plan XXXXUnlock Wealth loan program . The plan ensured a loan contribution of $ XXXX to be paid in equal parts over a 2 year span. Members were required to pay back the contribution loan of $ XXXX. 
-After confirmation of payment/contribution a loan number was never provided to me. 
-Per the contract, once the contribution was made for the applicable tier, members would begin to receive distributions within XXXX weeks. 
-I never received a distribution of any type and began to email XXXX/Unlock Wealth. I also went to their XXXX page only to find that they had turned off comments, and deleted message from other individuals who paid into the system and had not received disbursements. The email responses were vague at best with an attempt to pacify. As a result, I request a refund of the {$2500.00} that I paid. I was told it would be processed, but I never received my funds. 
XXXX XX/XX/XXXX I attempted to file a claim with my bank to try to retrieve my funds ; however, the claim was denied due to the length of time from when the funds were paid to XXXX and the date that I filed the claim. 
-On XX/XX/XXXX, XXXXUnlock Wealth deactivated my account so I no longer had access to any information located in my account. 
-I filed a XXXX  complaint and XXXX  responded that they had never done any business with me and did not know who I was.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-03
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One of the debt is paid off I contact the number on file but can not get anyone. When I paid the debt it was agreed to be place off my report. Account # XXXX. These accounts is negatively affecting my credit score and I would like it taken off 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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 all most be remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with Simple.com which had no fees. Simple.com was acquired by XXXX, and then XXXX was acquired by PNC Bank. I recently went to check on my checking account at PNC and found that since XXXX of this year, PNC has been charging my account {$7.00} per month in account maintenance fees. I never signed anything agreeing to this fee schedule, and I never received communication that clearly and explicitly stated that I would be charged this amount. I asked the company to refund these charges, but they have not allowed me to submit my dispute because despite providing answers to security questions, they claim that they can not verify my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
Company: Resurgent Capital Services L.P.
State: PA
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: Problem with personal statement of dispute

Complaint:
I Disputed this account numerous times and they ignore my disputes. Its been over 40 days and they will not update my account with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: DE
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 confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX XXXXXXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: United Revenue Corporation
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Revenue Corporation reporting XXXX accounts to my XXXX credit report that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express National Bank is suing me and my wife business ( XXXX XXXX XXXX XXXX ) Claiming the Amt. of {$10000.00} XXXX used in a credit card in my name and i never asked for a business credit card and i also doesn't have a social security number. 
Now they are suing me and my wife business sending us to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a letter in regards to inaccurate and unknown things on my credit report. To this day over 45 days later I have yet to receive a response. I feel Im being ignored and taken advantage of. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days is reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the XXXX data breach and may have landed in the wrong hands.

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 2023-12-05
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Trying to sell a house that has a security deed that should have been cancelled the loan was paid off XX/XX/XXXX. XXXX XXXX acquired the loan from XXXX XXXX ; the Security deed for XXXX XXXX  was cancelled and recorded in the deed book XX/XX/XXXX. The XXXX security deed was recorded XX/XX/XXXX. Bank of America acquired the loan from XXXX. However, they did not cancel the XXXX Deed when they took over the Mortgage. From XX/XX/XXXX I have tried to get the deed canceled or a notarized statement saying that the loan was paid on XXXX. I have sent BOA the HUD1 statement with the payoff information, and the refinance loan document with the Deed of Trust. Just today they send me an email saying the loan was transferred to XXXX XXXX  along with the funds for the payoff. I am in a desperate position because I have a closing date for XX/XX/XXXX. I have change the closing date 3 time from XX/XX/XXXX due to BOA lack of help in resolving the matter

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 2019-12-12
Company: CAVALRY INVESTMENTS, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calvary Portfolio Services has repeatedly called my work number when the contact number I provided is my cell number. I work in a law firm and they do not allow these calls. CPS called and left messages on my work voicemail on XX/XX/19 at XXXX and XX/XX/19 at XXXX XXXX and called again this morning XX/XX/19 at XXXX XXXX. but did NOT leave a message. Further, I can not communicate with them on my cell phone when I am at work between XXXX XXXX. and XXXX XXXX. I have payments set up with them for my credit card accounts that need to be paid, so there is no reason to contact me numerous times a day every day by phone. It will not change that I am doing all I can do to resolve the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Synovus Bank
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter on XXXX from XXXX XXXX XXXX XXXX claiming I owe PayPal, Inc. {$9400.00}. This is not my account and paypalXXXX shows a XXXX balance for my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
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: Account status incorrect

Complaint:
I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX  Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all 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