BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit 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 non-monetary relief
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX 6. XXXX XXXX 7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date  XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX of 2022, I sent a dispute to XXXX, XXXX and Transunion credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ACCOUNT XXXX XXXX openedXX/XX/XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2022-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX on XX/XX/XXXX The companies in question XXXX Equifax XXXX All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! Equifax have violated my consumer rights My attorney have sent Equifax a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report Equifax - Collection ( XXXX XXXX XXXX XXXX $ Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also XXXX and Equifax blocked me from viewing or logging in to dispute online Equifax have not updated any information or deleted fraud inquiries or Accounts XXXX had 30 days to remove BELOW ACCOUNT XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to XXXX Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX XXXX taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a late reporting fee from XXXX XXXX XXXX XXXX  which is not XXXX XXXX  of a property that I was a cosigner on. The property has since been moved off of my report as I am no longer on the mortgage I would respectfully like that late payment removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Navy Federal Credit Union Denied MY Application Seven ( 7 ) Times..I applied for Credit Line Increases, Credit Cards, and Personal Loans. Adverse Action against a Consumer is against the LAW ... According to the Equal Credit Opportunity Act which is Codified in 15 USC 1691 ( c ) and is Pursuant to Civil Liability Under 15 USC 1692 ( k ) I Have Proof that I was Discriminated against by Nvay Federal Credit Union Due to the Response I Received. Navy Federal Crediut Union is in Violation of 15 USC 1642, USC 1681 ( m ) and CFR 1002 Because. I The Consumer made an Application in Good Faith but was Denied Credit. 

Furthermore, Because my Social Security Number ( CREDIT CARD ) was used and I Received No BENEFITS this is Proof of Fraudulent Activity ( Unauthorized use of Credit ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union Fails to make an Reasonable Procedures to Resolved this Matter and Compensate me for the Use of my Credit Card I will indeed Make Navy Federal Credit Union Criminally And Civilly Liable for all Actual Damages Pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). 
I will Also Follow up with an Invoice for said Violations ( {$10000.00} ) per Violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2021 Capital One posted a charge of {$190.00} on my account. I have disputed the charge and explained to Capital One that the merchant made a mistake, and a bottle of wine that I bought was only {$19.00}, not {$190.00}. Capital One denied the chargeback request and made the summary determination that no error had occurred, without conducting any investigation or reasonably considering other evidence in its own records, including my spending habits in over 20 years of history with Capital One. Capital One also did not request additional documentation from merchant, such as itemized receipt showing the name of the item that merchant claims I purchased, or inquiring if the merchant has a single bottle of wine in his store that costs {$190.00}. 
Capital One refused to further investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Conduent Incorporated
State: SC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Today on XXXX, I activated my new card. I am trying to reach a live representative from Way2Go card program to speak with about my balance. The only customer service number this company provides does not give an option to speak with live representative. The options that are listed when you call the customer service number do not apply to me. It does not offer any way to speak with live representative. I need to speak with one of their live representatives in order to figure out the issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Diverse Funding Associates LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received a summons from XXXX XXXX court that a collection agency named DNF Associates LLC has filed a complaint to collect on a debt from a credit card XXXX. The information I received from the court had the account number blacked out. On Monday XX/XX/XXXX, I contacted DNF Associates LLC and spoke with XXXX at ext XXXX. I advised her that I had no knowledge of such debt. I also advised I did not receive any notification regarding this debt. She acknowledge that NOT correspondence was ever sent to me about this debt, which violated the fair debt reporting act which allows me, by law, 30 days to dispute the debt. XXXX did not express any concerns about my rights not being exercised, and threated to proceed with taking me to court. I told XXXX that I did not owe the debt. I told her that I did not recognize the card and I was offered no correspondence to from their office where I would have disputed the debt. She was proceeding to try to make some type of settlement arrangement for 80 %. I thought possibility it was my ex wife, but I told XXXX that I was not sure. She again that her company has never sent any documents and she verified my address. They also never called me about the debt to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$2500.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit 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:
I never order 2 credit card. Someone use my theft id Phone XXXX XXXX XXXX JPMCB card -XXXX XXXX XXXX Phone XXXX XXXX XXXX Amazon card I dont have credit card number with me. 

Dont any one advantage of me They stole my ssn card, address That fraudulent transaction Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXX XXXXTransunion XXXX My complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my XXXX XXXX to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any XXXX XXXX will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.

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 2022-07-19
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When my XX/XX/22 mortgage did not get deducted from my bank account I called my mortgage company. They told me my loan was sold to SN Servicing Corp. I did not receive a statement from the new company or a way to set up auto payments. Instead I received a debt collection letter. When I tried to call the new company at the number provided XXXX I kept getting disconnected. It is a disgrace that a transfer of mortgage is handled so poorly. I need a way to set up payment. This company should be shut down for their incompetence which could impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Chime Financial Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Is there any reason why I still have not been contacted by Chime about my direct deposit sitting in an active credit builder account that I canceled o er a year ago... is one of the many emails I sent to Chime concerning misappropriation of fund. After getting off the phone a customer service rep transfered another customer from North Carolina to my phone number as if I was a Chime agent. After having to call numerous times and getting the run around about why I have a credit builder account on my end showing {$0.00} available but their saying they see my direct deposit balance on their end. This unprofessional behavior had caused me mental duress

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I use an online merchant to make purchases using my PNC Bank debit card associated with my savings checking account ... Immediately upon making the transaction on the site, it is recorded by the merchant and also appears on my PNC Bank online account in the pending transactions and the amount is removed from my balance ... I may make many such transactions in the same time period using the same debit card and with the same merchant ... All such charges initially appear on my PNC Bank online account and alerts are generated by my PNC online Banking account and I also receive both a text message to my phone and an email verifying each of these purchases almost instantaneously ... then some time later without my prior knowledge or consent PNC Bank arbitrarily removes some of the charges and adds the amount back into my account balance and the charges completely disappear from my account ... NOT even showing as pending and then sometime between three days to one week later the charges begin to arbitrarily reappear in the posted category and again are removed from my balance ... I have contacted PNC Bank customer service three times and the initial explanation given was PNC Bank contacts the merchant to verify that I made the charges and that merchant billed me for the charges ... I also directly contacted the merchant business and billing department in between the contacts with PNC Bank.. The merchant told me that they never verify charges with PNC or any bank ever ... I have spoken to PNC Executive Client Relations ... at no time did anyone from PNC Bank deny manipulating my account by removing legitimate charges without my prior knowledge or consent. The only solution offered by PNC Bank was that I am free to choose any other financial institution ... I only request that PNC Bank stop manipulating my online bank account by removing legitimate charges under false pretenses and with out my prior knowledge or consent..I have previously sent this complaint to the Office Of The Attorney General of the State of Indiana and received a letter stating the complaint had been forwarded to the CFPB ... when i contacted CFPB the representative could find no such complaint or information from the Indiana Attorney General ??? I believe this is a scam to enable PNC Bank to charge overdraft fees ... my opinion Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation