BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: Experian Information Solutions 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:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX  Date Open : unkown Balance : unknown

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX  : XXXX Transunion : XXXX, XXXX 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 explanation
Consumer complaint received 2021-11-05
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX XXXX XXXX XXXX NAVY FCU Date disputed : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly a current balance in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no balance due and consequently nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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 XX/XX/2019, I sent a certified letter to Experian requesting validation bearing my signature on an account they are reporting for XXXX XXXX. On XX/XX/2019 they sent a response saying that the account has been verified as accurate but they provided my documents and placed no dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I requested a description of the procedure used to determine the accuracy within 15 days along with the names and phone numbers of the people they spoke with and reporting the dispute remarks not on there. On XX/XX/2019, they sent yet another " verified as accurate '' response with no documents and no dispute remarks placed.

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is incorrect

Complaint:
Transunion Error In Credit Reporting it says employer XXXX XXXX XXXX. This was removed many years back. It recently appeared a few months back and was told by transunion rep It would come off. Just want this removed from my personal information.

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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
CHASE BANK, N.A. CLOSED AN EXEMPT ACCOUNT THAT RECEIVES US TREASURY FUNDS, FEDERAL BENEFITS. 

THE ACCOUNT CLOSURE VIOLATED CHASE CONTRACT ( FINANCIAL AGENCY AGREEMENT ) WITH UNITED STATES TREASURY AND THE FEDERAL RESERVE BOARD. THIS CONTRACT DICTATES THE REQUIREMENTS PLACED UPON THE BANK AND ALLOWS CHASE TO ACT AS A FINANCIAL INSTITUTION DEPOSITORY RECIPIENT. XXXX XXXX XXXX XXXX XXXX XXXX. 

AS A BENEFICIARY PAYMENT RECIPIENT MY ACCOUNT WITH CHASE WAS/IS EXEMPT FROM SEIZURE, LEVY OR GARNISHMENT. I ADDITION A COURT ORDER WOULD BE NEEDED TO PROCESS A SEIZURE, LEVY OR GARNISHMENT. 

ACTING AS A FINANCIAL AGENT FOR THE UNITED STATES TREASURY, CHASE IS RESPONSIBLE FOR REGULATION E COMPLIANCE. PART 22, TITLE 31 PART 212 SECTION E. " COMMERCIALLY REASONABLE BUSINESS PRACTICES '' THE FEDERAL RESERVE BOARD AND THE UNITED STATES TREASURY PLACE UPON CHASE " NO CHALLENGE OF PROTECTION ''. THE BANK CAN NOT FREEZE OR OTHERWISE RESTRICT THE ACCOUNT HOLDERS " FULL AND CUSTOMARY ACCESS TO THE ACCOUNT ''. A TEMPORARY FREEZE ON AN ACCOUNT WHICH IS EXEMPT VIOLATES FEDERAL ANTI-GARNISHMENT STATUTES, PROTECTED FEDERAL BENEFITS IN AN ACCOUNT, A BANK MUST COMPLY WITH PROCEDURES TO PROTECT THE ACCOUNT AS SET FORTH IN 31 CFR 212.6 CHASE BANK FROZE AND CLOSED MY ACCOUNT ON XX/XX/2017 AND WITHOUT WARNING OR EXPLANATION. CHASE BANK THUS VIOLATED THE RULES AND REGULATIONS SET FORTH IN THE CONTRACT THAT IS BETWEEN CHASE BANK, UNITED STATES TREASURY DEPARTMENT OF FISCAL SERVICES AND THE FEDERAL RESERVE BOARD OF NEW YORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: LA
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:
I have no knowledge of the following inquiry : XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-04-19
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:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX   Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX   Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX Date Open : unkown Balance : unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24
Company: PNC Bank N.A.
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 have a personal loan with pnc bank. Unbeknownst to me I was charged {$15.00} more than my payment amount. This {$15.00} has caused me to be reported late 4 months on my credit report. Ive since paid the money and receive refunds for late feesbut the {$15.00} and late reporting caused significant damage to my credit. I want the late notation removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ALLY FINANCIAL INC.
State: AZ
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:
2 hard inquiries that I don't recognize

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 2019-04-19
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a second house in Florida that % 80 paid off and have a sufficient flooding Insurence already, the mortgage company asked to have the renewed policy and charged me right away for Insurence they bought for me though I have an active insurence without give my Insurence anytime to send them the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money was removed from my account, seemingly through Cashapp. I have not been able to contact anyone regarding this issue. The first transaction was XX/XX/2020 transaction # : XXXX And the most recent transaction was XX/XX/2020 transaction # : XXXX A total of {$660.00} was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quick Loans/Rocket Mortgage - I refinanced with them in XXXX 2019. They had presented to me payment numbers which lowered my monthly payment to {$2600.00} from XXXX. Saving me {$400.00} every month. I planned my finances around that and agreed to refinance with them. After 2 months, they said my payment was going up to {$3000.00} since the property taxes had and home insurance had increased. BUT the home insurance had gone up by only a couple of hundred dollars and the property taxes HAD NOT gone up. 
I complained and they said that they made a mistake. The bottom line was they engaged a third party to give them property tax information, which is publicly available. This process enabled them to artificially lower the monthly payment so I would refinance. If they had presented me numbers which showed a saving of {$40.00} per month, I would not have refinanced. They agreed to spread the escrow payment over 2 years BUT after that the mortgage would still be more than {$2800.00} per month. 
Even though the property tax and insurance are my responsibility, everything indicates that this company engaged in malpractice, presented higher savings ( even though that was not correct ) to get a customer. There should be a federal investigation into their practices and find out how many more customers are in the same boat. I am sure there will be many more - a mortgage company just does not make the mistake of miscalculating a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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 fraud alerts or security freezes

Complaint:
I have been disputing with XXXX XXXXXXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only Transunion had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX XXXX and Transunion.

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 2019-04-19
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
I have no knowledge of the following inquiry : XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX, i bought a XXXX XXXX XXXX from XXXX XXXX, XXXX Ca. This dealership is no longer in business This car was leased for 36 months through, Volkswagen Credit, XXXX XXXX XXXX, XXXX Il XXXX. Phone XXXX XXXX XXXX. Account number XXXX. 
i decided to sell the car to XXXX and on XX/XX/XXXX i called Volkwagen Credit and was given a customer pay off of {$17000.00} good through XX/XX/XXXX. When XXXX contacted VW they were told the dealer pay off was {$18000.00}.

I called back VW and the told me that the customer pay off was based on residual value and the dealer market value, unless you are a VW dealer. 
i do not understand this and every one i have talked to does not seem to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SYNCHRONY FINANCIAL
State: AZ
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 a victim of identity theft. The inquiries, which appears on my credit report from SYNCB/WALMRT dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.

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