BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: AL
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 ALL IN XXXX XXXX Account # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXXXXXX 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, 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. 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

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 2021-02-12
Company: DAS ACQUISITION COMPANY, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Im currently selling my home and in the process of buying a new one through contingency. The buyers of our current home we are selling are going through DAS acquisition company/USA Mortgage as their lender. Our first closing date was XX/XX/2020 and now here we are 4 different closing dates later and the lender is still having problems. It started off as 5 days before closing, then 3 days before closing, and now 14 hours before closing. I have personally tried calling them and was told someone else would call me back and still havent heard anything, the title company hasnt heard from them and neither has my agent. I want some answers and compensation! This is ridiculous and very very unprofessional. I would not deal with this company if I were a realtor!!! Im currently renting the new house to make sure the owner doesnt sell it which is $ XXXX a month PLUS my regular bills at our current house which is also $ XXXX. My husband is the only person that works in our house because I stay home with our child and this is getting to be way to much on our family. This company is horrible, it needs to be shut down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. 

I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.

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 2021-02-12
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Submitted Online Dispute with XXXX and XXXX, Regarding my credit report with wrong information, My wife placed me on her account as authorized user i was not aware at the time, When i found out i had her take me off of the account, After submitting my dispute i received a letter from Citibank, N.A, Indicating they were not able to remove this from my account i was told my wife would need to have me removed from the account, My wife did remove me from account, Citi went on to say they would leave all historical information on my Credit report but would stop reporting, This account need to come off of my report 100 % have absolutely nothing to do with this account never used the card. Dont pay or shop with the card Adress provided from Citibank N.A. XXXX XXXX XXXX XXXX XXXX, SD XXXX contact phone number 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 2023-06-22
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry, fraudulent/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 explanation
Consumer complaint received 2021-03-24
Company: PNC Bank N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was issued a Visa prepaid card from PNC Bank on XX/XX/XXXX for {$200.00}. The expiration date on the card is XX/XX/XXXX. Before I could use it, on XX/XX/XXXX they closed the account and charged the {$200.00} in fees as an administrative adjustment. I called them multiple times after trying to use the card and was told there was nothing they could do and I was out of luck. They told me to refer to the terms and conditions of the card. I still have the terms and conditions, they state : The Card is valid until the entire value of the Card has been used or until the expiration date on the Card, whichever occurs first. Any funds remaining on the Card do not automatically expire on the date of Card Expiration. 

Seeing as how I didn't have a chance to use the card while it was still valid, I would expected to receive the funds I was issued. They told me they didn't have an address on file to send a check, when in fact they sent out the original card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: Early Warning Services, LLC
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to XXXX to sort this out. Lets see

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
So I have automatic payments set up for my student loans through Navient. I also have been making additional small payments to some of the loans with the hope of paying them off sooner. However I just recently noticed that my automatic monthly payment totals were decreasing slightly. It turns out that when you pay additional money, it decreases the amount per month to balance it out with their expected payoff date, essentially nullifying the additional money you put in. I had to speak to a representative to submit a request to LOCK the monthly payment and prevent this from happening. Although you 're allowed to pay on top of the auto payment, there is no method of setting the amount you want to pay per month, and if you are n't able to make consistent additional payments ( which I am not ), you 'll end up paying out the same amount in interest over the course of their payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I submitted investigation requests to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.

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 2023-09-09
Company: EQUIFAX, INC.
State: NV
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:
To whom it may concern, i am writting to dispute fraudlent information on my credit report pursuant to 15 U.s.c 1681c-2 i have enclosed a copy of my police report / ftc idenitity theft report to support my idenity theft claim .These are multiple unquires all withn one day of each other on my credit report but i authorized one of them.please remove all of these unauthorized inquries immediately.

U.s. code 15 u.s.c {$1600.00} et seq.section 604 of fair credit report act. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen never provided us with a XXXX-1098 form for one reason only they did not service us when our mortgage transfer due to the mortgage scandal. 
I dont care what letters they have provided in our original complaint. 
They have provided us with documents from XXXX to the present minus the 1098 form for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-06
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

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 2022-01-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2022 around XXXX central time, I received a direct deposit from my company. which was weird, cause my payroll checks usually come on thursday night around XXXX. So i waited for the next day, and went about my business. I stopped and put gas in my car ( {$33.00} ) and then made an ATM withdraw for ( {$60.00} ). after that I went to work. I tried to pay a utility bill and was told transaction declined, I went to a ATM and was told Account balance unavailable. I was not able to log in using the App. Finally once I was able to get a person on the phone. Not one person could tell me what was going on, It finally took 10 phone calls. before the Service agent gave me some type of information, wether it was correct or not, It was better then the service i had been receiving. I was told my account had fraudulent activities, and had been suspended/locked. One agent even told me that it was my payroll check that caused this situation, although for the past 8/9 months, I have had all my payroll checks deposited into this American Express Serve account, to which I have had for over 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Im not responsible for this 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: CreditNinja Lending, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They sent me a papermail letter with a fake credit card, telling me I was preapproved for a {$2500.00} loans. After going through the online paperwork, they ran my credit score, which put a hard inquiry on my report. My score has dropped as a result. 
Then they gave me the terms of the loan. It was a monthly payment of {$430.00} for 18 months! That is more than 3x the amount of the loan itself! This is a predatory lending company that should be put out of business. 
I want their inquiry removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: TX
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:
Equifax reported " active duty alert '' on my credit file in error as I am not in the military. 
When I contacted equifax, I was told that the error will be fixed in 24-48 hours. 
24 hours later I noticed that all my positive accounts disappeared and were replaced by derogatory accounts that did not belong to me. 
I contacted equifax again and they could not figure it out and I got a run around for over a week. 
On XX/XX/XXXX upon calling them continously for days, I was told that somehow my information was split and that due to a glitch all my accounts were suppressed. The csr was kind enough to reach office of consumer affairs and got my positive account history back. 
During this corrections, there were two negative accounts that were added that I did not recognize along with a gazillion inquiries. 
I was not provided any written notification of the glitch and the glitch has caused me financial harm thus far. 
The " active duty alert '' is back on my report along with numerous inquiries and 2 negative accounts that I do not recognize.

Company response to consumer: Closed with non-monetary relief