BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : XXXX XXXX XXXX Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: LA
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:
See attached document stating why this late payment should be removed and updated on my consumer report. This clearly did no verification before slapping this erroneous late payment onto my cunsumer report damaging my credibility and reputation in the eyes of other creditors. My consumer rights have been violated and I want this wrong to be made right before further legal action to clear my name is taken.

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 2022-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2021, I was the victim of check fraud on a check written from my Chase Bank. Despite weeks of calling and emailing Chase, they have refused to confirm that they are investigating it having sent me several forms but continuing to tell me that the claim is " closed '' without any promised investigation. I have been stymied and lied to throughout this process by Chase. 

Here is a summary of my efforts just to talk to the fraud investigator : ( 1 ) In XXXX of 2021, I called to file a complaint as soon as I learned of the fraud. ( 2 ) Their website said to call. ( 3 ) When I called I was told that a complaint form could only be mailed to me, and then I should return it. ( 4 ) As soon as I received it, I completed the form, got a declaration from the intended payee that they did not receive it, then turned in the form and evidence by US Mail and Fax as instructed. ( 5 ) Since then, they have sent me two more form letters stating that they did not receive the form. ( 6 ) They have sent me a form letter stating that the claim was under investigation on XX/XX/XXXX, but then sent me the same form letter on XX/XX/XXXX stating that the claim was closed. ( 7 ) I called numerous persons, all of whom said they could not help me at all. I have no idea where the claim stands and no one will call me or explain what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SYNCB/PPC : Yes this account is closed per my request as I rarely used Paypal Credit . I am showing a late payment ; however, I sent them a report showing that I had Covid and they granted me to pay a week later, payment was made a week later and Paypal stated they would not affect my credit due to Covid. I NEED THIS LATE PAYMENT REMOVED IN XX/XX/21.

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 monetary relief
Consumer complaint received 2019-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last six months, I have had to block 76 numbers from incoming calls from this company. 76 NUMBERS!!! All with different area codes and different prefixes. I have twice told them to stop calling my number and even sent a message via fax and email demanding the calls stop but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: FL
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:
Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX mere confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. They were also ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
fraud report on XX/XX/2022 ... ..it is not true and is an error on XXXX XXXX  XXXX XXXX  reporting it.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-22
Company: Experian Information Solutions Inc.
State: AL
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:
First Attempt : On XX/XX/XXXX, I mailed Experian at XXXX XXXX XXXX XXXX, TX XXXX, a notarized affidavit informing them that several accounts on my credit report were invalid and that 2 of the accounts did not belong to me. This letter was sent certified mail I asked them to verify the information and delete the invalid accounts. 

Experian sent an automated response via my application stating the accounts were indeed valid and belonged to me and that they would remain on my credit report. This was received on XX/XX/XXXX Second Attempt : I gather my full credit report and printed out a copy of my credit report with all 3 bureaus. I highlighted all the areas on my report that made the accounts invalid. I also wrote another letting asking them to provide me with a description of the method and investigation procedures for the accounts. I again, asked that they delete the invalid accounts. I mailed them all this information certified mail on XX/XX/XXXX Experian sent another automated response to my request and did not forward me the investigation information I requested which is a violation of the FCRA. this was received on XX/XX/XXXX Third Attempt : My main issue is with the one charged of account. Not only does this account report inaccurate information, but it also does not even belong to me. I sent a third letter again pointing out the inaccuracies in the report as well as asking them to provide me with documentation from the credit showing my signature to be obligated to pay the alleged charged-off account. 

As I have never signed an agreement with this company nor had an account with them, Experian was of course unable to provide me with this information. Instead, they updated the account by changing the date reported. This is another violation as they had previously confirmed this account was valid twice but on this third dispute, they found an error, and instead of acknowledging the other inaccuracies I pointed out and failed to provide me with proof that the account belongs to me, they update the account. 

I am making a final attempt to have them clear this matter up which is why I am filing this complaint. My next step will be a small claims suit against the company

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 2023-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am demanding information on why my credit card account has been closed. I have in good faint been using my navy federal card. 
Pursuant 15 usc 1602 ( p ) this is unauthorized use of my credit card which is my social security card. 

I did give any authorization to navy federal to close this credit card account which i have extended credit to. 
I am demanding that my credit card account be reopened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: AR
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 ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXeported a late payment in XX/XX/ has violated my rights.

15 USC 1681 Section 602 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 my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.

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 2019-12-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, equifax, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' Equifax has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Quicken 's underwriters and the closing team did NOT disclose the added PMI insurance at any time prior to signing. They solely made the decision to waive the appraisal and add PMI without our knowledge. PMI or appraisals were never mentioned during the entire process ; they just added it to the closing paperwork. 

Since PMI was never discussed, we assumed they added our homeowner 's insurance payments to the loan since the property is located in a California fire zone. When we contacted the resolution team, the representative said we had 4 ways of eliminating PMI with one of them would be paying down the principal. 

Later, he emailed the following message, " We do apologize that you were never told that you would be having PMI on your loan. The reason that you have PMI is because you would have need an appraisal to be completed. Due to the fact that appraisals were extremely delayed in your area, our Mortgage Banking team wrote your loan to not need an appraisal. This saved you time on the days your loan was in process and you did not have to pay for an appraisal. Your loan is now closed and the terms of the loan can not be changed. This issue is now closed and no further action will be taken on this issue. '' This did not save us time nor money. The loan took longer to close than any other lender, and we now have almost $ XXXX to pay in insurance even though we have excellent credit and plenty of collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted transunion, XXXX, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' XXXX has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.

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 2023-03-30
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like JPMCB I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/19 Paid off our mortgage We were told we would receive interest and escrow refunds of about {$1200.00}. They said check was required to be mailed within 30 days of the payoff. 

We have called many times to see if the check had been mailed. Including XX/XX/19 when we were told by a supervisor that it would absolutely be taken care of that day and we would receive a confirmation call. We didn't receive any calls. Since the refund had gone weeks beyond their deadline I told them I want them to add 10 % for use of my money. 

We need this money ASAP to pay taxes and now we will not be able to pay our taxes on time with this money. It is now causing us a hardship. 

I called yesterday ( XX/XX/19 ) and there was no supervisor available. The customer service person said I would have to call back some other time. I said that I needed an answer and he said they can't help me, and " You know how it is '' Today I called and they claim they will help me again. After many calls and 3 weeks beyond their own deadline to send the money, I do not trust that I will be helped. 

I was reading XXXX reviews and saw that another customer waited " months '' to receive their refund. 

The Statebridge Company reviews are nearly all bad. Some of the good ones were added by employees of the company.

Company response to consumer: Closed with explanation