BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: Professional Recovery Management
State: TN
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:
Dispute made, it went off my report since it was incorrect, then showed back up again, lowering my score. Both of these accounts are errors!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX from XXXX XXXX account opened XX/XX/2019

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 2022-03-30
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: Their investigation did not fix an error on your report

Complaint:
I have a 30 day late showing up on my credit report inaccuratlly and further more the FCRA 603 15 usc 1681s-3 " EXCLUSIONS '' the term " consumer report '' does not include ( i ) report containing solely as to transactions or experiences between the consumer and the person making the report. my payments are an transactions and does not supposed to be incuded in the report. on Account : 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 2021-02-15
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/ 2022, I 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 taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/ 2022, I 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 taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2020-11-08
Company: CITIBANK, N.A.
State: KY
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:
After 13 yrs using CITI card on XXXX I was a victim of two fraudulent charges in 2020. As I began disputing charges with XXXX CITI abruptly closed the account w/o my knowledge. Now XXXX  can not process refunds due for {$110.00} balance. CITI reports monthly to credit bureaus that account is past due and is charging fees monthly to a closed 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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was checking my credit report and I don't understand why I see that information on my account. I have no idea where did you get it. Its not mine.

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 2021-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I received a {$9000.00} from the XXXX of Arizona. I had a chase account and called chase to see where that money came from as I knew it might not have been mine. I spoke to a representative and he referred me to an investigator. He asked me where do I think that money came from, if I where sure it wasnt mine and a couple more questions that I dont recall at this moment. The investigator explained to me that my account would have to be closed so that the funds can be given back to whom it belongs. He also explained the process ( contacting the bank from which it came from, starting a claim process etc. ). He always reassured me that I was going to be able to open my account back up. I chose not to open a back account back then because I was not working and knew that without a direct deposit on my account I would have to pay maintenance fees. As of, Friday XXXX XX/XX/XXXX ) I tried opening my account back up. I went to my nearest chase branch but the nearest date they had was XX/XX/XXXX and I needed an account before then. I decided to try and open an account online but I wasnt able to so I called chase. They referred me to a representative who explained to me that theyll need to clear the incident up. She told me that she had cleared it up and was able to open a new account. So today, Monday XX/XX/XXXX, I called my chase representative to make an appointment to open my account. And she tells me that she wont be able to open an account because I have a fraud record in chase. I explained to her that how can it be fraud if I myself was the one who called about it and did all the due diligence to give the money back to its owner and that at no time no one told me that I wouldnt be able to open a new account. She told me that it is a common practice that chase tells costumers one thing over the phone when they know quite well that theyre lying. I asked her what could I do then? And she told me that she would recommend me to open an account at another bank because chase its not going to let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Looking on my credit report. I seen that someone took out an auto loan in my name. I have never taken out a auto loan. This was not me XXXX XXXX who. Applied for this loan.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2022-03-09
Company: CITIBANK, N.A.
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:
There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : CBNA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX 2020

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 2021-09-14
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Harris & Harris , Ltd. has been trying to collect a debt that had been paid. They would not let me speak to a manager and would not send a receipt showing that the debt had been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Flight purchased on XX/XX/2022 evening via Chase XXXX XXXX travel booking website with multiple areas stating " Cancel for free within 24 hours of booking. '' Tried to cancel with XXXX Rewards the following morning and they said they can not cancel it -- reached out to airline directly and they can only cancel with {$100.00} fee and credit of remaining balance with airline only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
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:
fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is experian

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to experian, XXXX, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,

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 2017-11-02
Company: Avant Credit Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Avant, Inc. who I have a personal loan with improperly submitted information to the credit reporting agency stating I was 30 days past due on a payment. I was never notified that the company was contemplating placing the account in a late status which is in direct violation of the Fair Credit Reporting Act. This regulation states that I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be  included in a billing statement or a notice of default. I was never contacted by this company prior to this information being reported to the credit reporting agency.
For clarification purposes, this complaint is against Avant, Inc. and the information this company inappropriately and erroneously sent to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
No resolution to the following complaint that had been filed. 


LOAN NUMBER : XXXX BLS CASE NUMBER : XXXX REG CASE  NUMBER : XXXX I truly feel hopeless I have been dealing with Bayview Loan Servicing for several months, in hopes of a response to my many settlement requests for a charged off loan. They never gave me a response. Bayview is notorious for mishandling documents. I am not convinced that this regulatory agency are not aware of the many complaints against Bayview Loan Servicing. My question is, why the government have not taken actions against Bayview and its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: MIB Group, Inc.
State: NY
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:
The agent I talked to XXXX at XXXX today XX/XX/19 told me he couldnt gaurantee they wont cancel report sent to the reporting agancy called MIB. I also verified email requesting coverage was sent 7 days ago on my email it says delivered. MIB Its a medical information agency that makes a file on me for other insurers. The agent I worked with continued application for life insurance against my will. I asked to cancel the request before a decision rendered due to inacurracies on my medical file. I dont want my information reported by XXXX, or by XXXX  to MIB or other reporting agencies and hes not insured to work in XXXX. My personal information was requested to my doctors office against my wishes and now I have a file with MIB. They reported information about me using with spouse XXXX address. Also note the pre qoute application didnt have what I told to agent. He qouted me the non XXXX rate, and XXXX XXXX rate i believe. I told my agent everything and I know although the medication causing XXXXc problems is now gone since I went off the drug I have a black mark on my record. I doubled checked the email and it was sent to there office. The email is marked as delivered 7 days prior to the denial for coverage. He misrepresented the cost to me and put me in a position to be denied aswell. I should of had this file closed per my request. Not have them continue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is seeking to collect a debt which I had successfully disputed with credit agencies in the past as debt which was not mine. All credit agencies had removed this debt from my reports, and now Portfolio Recovery Associates is adding this item to all of my credit reports when it is not even my legitimate debt, which had previously been agreed upon. Please ask this predatory debt collector to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2021-09-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Someone order credit cards as well as got a car loan in as well got a whole bunch of hospital bills in my name they as put me on the check fraud list know its not lettin me open up a account I need this remove so I can start on the right path

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear XXXX, XXXX XXXX : My account shows " XXXX '' balance. 
I started calling customer service center many times. They said they can't explain. 

XX/XX/XXXX Visit branch office. They said I have to wait for 2 weeks. 

XX/XX/XXXX Branch office called me and ask to close my account XX/XX/XXXX : PNC charge me total of {$400.00} for closing fee. 
XX/XX/XXXX : File complaint for why they charge {$400.00} and why they never notified me? 
XX/XX/XXXX File complaint again. 
XX/XX/XXXX Case manager told me I have to ask branch office for refund and do not contact them any more. 
XX/XX/XXXX : Verified with XXXX branch officer XXXX XXXX XXXX for refund, and she said it ss " very unprofessional and they have no authority ''. 

XX/XX/XXXX : PNC offered me {$84.00} for return. and I said " NO '. 

I should not charged for service which I never used. 
Hope there will be no more innocent victim like me. 

Thanks for your kind support and helping. I can send all documents to your office upon request. 

All the best. 
XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Years ago, I had trouble repaying my student loans. Instead of suggestions regarding income based repayment, I was given repeated forebearances until I was out of time. I could have made some sort of payment instead of not being giving that option at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: JPMORGAN CHASE & CO.
State: SC
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:
These inquiries were not authorized because I was already pre financed through my bank.

Company response to consumer: Closed with explanation