BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a XXXX balance on my XXXX credit card and have been a customer for over two years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that XXXX has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.

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 2022-08-06
Company: EQUIFAX, 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:
I have submitted disputes to Equifax Credit Bureau regarding a false information in my report submitted by an XXXX company in Texas, XXXX XXXX. I submitted a similar complaint against XXXX Credit Bureau at CFPB ( ID XXXX ) and XXXX reinvestigated the issue and deleted the negative XXXX XXXX mark from my report ( attached ). here is details about the issue : XXXX energy all of the sudden flagged an old account with them as a charge off on XX/XX/XXXX - I closed that account on XXXX XXXX after paying my balance. I learned about the XXXX negative reporting from XXXX email alerts. I was never notified by mail or phone that I have a remaining balance with XXXX XXXX from XXXX XXXX itself or any collection agency after i closed my account on XXXX XXXX ( neither they submitted any info to the credit bureaus until XX/XX/XXXX ). I only received communications via email and phone from XXXX XXXX offering a bonus if I came back to them as a customer. I did not open an account with them again and i believe that is why i got the negative reporting all of the sudden on XXXX XXXX XXXX continued to report incorrect information about my account even after I submitted disputes to XXXX and Equifax. Equifax have failed to identify and fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : 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 etc, 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Lennar Mortgage clearly advertises on their website that customers may " float down '' their rate one time within 30 days of closing. There are no stipulations or limitations stated. Lennar refuses to honor this advertised right to consumers.

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 2023-02-28
Company: Experian Information Solutions 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:
I am interested in disputing all incorrect information on my credit report with experian. alot of data is unmatched an is hindering my file. im looking to get all this invalid information removed to help clear my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  PERSONAL LOANS IS REPORTING FRAUDULENTLY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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:
accordance with the fair credit reporting act XXXX  Account xxxxxxxxxxxx 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
accordance with the fair credit reporting act XXXX Account xxxxxxxxxxxx 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.

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 2022-09-11
Company: Experian Information Solutions 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:
accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened the account at Wells Fargo in XXXX XXXX about 3 weeks ago and did not want the online banking set up because of fraud on my previous account with XXXX XXXX  Bank. Well someone got in and got my online banking set up and put money through on my debit card that I did not spend. So I went into the bank on XX/XX/22 and was cashing my check from XXXX XXXXXXXX XXXX XXXX for {$170.00}. I put the I have the check and the receipt and it said that they put the money in and there is XXXX money in my account they didn't even deposit it in the account. I'm not sure what is going on with this company but someone needs to look into why they think they can do this and get away with it and also look into XXXX and XXXX XXXX because they're my parents and they have been claiming me dead for I don't know how long and doing this to me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TD BANK US HOLDING COMPANY
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:
Fraudelent credit card account was opened by TDBank XX/XX/2020 under my name with different email address and phone number. In applying to refinance a past due account I found this on my credit reports. I have no knowledge of this account. I have filed complaints with credit bureaus and TDBank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CHASE BANK, NEVER ALLOWED ME TO MODIFY MY MORTGAGE. 

I TRIED OVER 6 TIMES, THEY LOSSED PAPER WORK ETC. 

NO MATTER WHAT THEY SAY, THEY WILL JUSTIFY, THAT THEY FOLLOWED ALL THE RULES, AND COMPLIED WITH ALL THE LAWS, BUT THEY LIE. 

OVER 12 CHASE BANK EXECUTIVES HAVE COMMITTED XXXX BECAUSE OF CHASE BANK ACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As I was trying to move into another apartment I noticed An Eviction from XXXX XXXX XXXX To my complete and unbiased knowledge ( * National Tenant Network, Rent Reporters * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. 
Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. 
I am expecting a response from you within 14 days from the date you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was use for XXXX XXXX all night I didnt approve of XX/XX/22

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 2022-09-11
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio recovery associates is calling me twice daily for a single credit card debt using a caller ID number stating XXXX so I would pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: WA
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:
My Experian credit report contains a total of 7 time barred accounts from XXXX and they refuse to remove them no matter what evidence I have submitted. I am literally in awe wondering how in the world are they getting away with this. There are a few repurchasers of debt that have reinserted my previously removed accounts and changed the date to XXXX when they were originally from XXXX. I have sent them all kinds of prood and Experian just says sorry our information shows that this debt is valid. Then if I try to perform an additional dispute a month later online they won't allow it saying that it is too soon to perform another dispute. That does not even sound legal to me. Can you please help 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 2022-09-11
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke to PNC after emailing applying for mortgage online. I called because I ended up having someone who sounded like they were calling from a foreign country call me about the loan. Eventually I spoke with XXXX XXXX, Mortgage Loan Officer, XXXX, XXXX. I explained everything that had happened with the current home Im in ( Flooding, FEMA instructions, eta ). Explained that the last time I applied I was approved for a conventional loan ( current house is fha ). He stated that I needed all this personal info to get a solid qualifying letter. I complete everything only to receive a FHA letter with requirements I cant meet. I emailed an asked why the letter wasnt conventional, no response. I called and he said that it was developed with the intention to have the the house Im in sold. I told him the issue with the home and why I needed to move first, reminded him and he said this is the process. So I said I wasted my time and risked my credit score dropping for nothing. He didnt seem to care at all. Now Im back to looking for overly expensive rentals and a lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check on Friday XX/XX/2021 the bank put it on hold to verify on Monday funds were in my savings the check was accepted on XX/XX/2021 the check got returned the company closed the account turns out to be that they scammed me I had already made 3 deposits via XXXX to XXXX XXXX email XXXX 2 deposits of XXXX dollars each and 1 deposit of XXXX the bank wont help me since I was able to use the funds I have filed a scam report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: PA
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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
We went to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX to buy a car with my brother. A new XXXX XXXX 2023. This dealer made a sale contract with XXXX XXXXXXXX XXXX, We have pay {$850.00} a month, it's to much and thety said that if we give them {$4700.00}, our monthly payments will be {$490.00}. They gave us the car after sign a contract. We go back a week after with that money, buy nobody else have any information about this. The registration car is under the name of my brother and I. with a lien on the name of " World Onmi Financial Corp. '' we do not sign any contract with them, I get a copy of this and there is no signature for one of us and the interest rate is more that the percent they said inicially. 
We have not received any bill or how to make the monthly payments. However I went and call several times to the dealer and thay said that it's not their problem, they said that is the XXXXXXXX XXXX problem. I do not want that my credit hurts for this, because I am brother 's con-signer. I do not want any report on my credit. This finaciacion it's to high and we do not want to keep that car. But the dealer doesn't help in any resolution. 
Wanted to say that we have not give any money yet in payment or downpayment for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, 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 belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation