BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have FHA loan and our PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. We have over 20 % equity in our house and M & T Bank is our servicer. We have requested to drop PMI but M & T doesn't agree and states states it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have some equity build up.. Now we are questioning if we can sustain it for a long period.

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 2022-11-24
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I placed a dispute with XXXX I have requested they remove a wrong address on my credit profile. They Refuse to updated my current address and remove the previous address listed XXXX has falsely misrepresented me, they have placed a bankruptcy on my credit report. I have requested several times proof. They can not provide me with proof of accuracy, they only provide me with a email showing verified or showing certified by company I have requested several times for the company 's name and letter showing the proof. Its been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. They are costing me XXXX XXXX  dollars. According to the consumer law I should be treated with fairness and have my credit report showing accuracy. 

I also have a dispute on file for a XXXX XXXX. they keep stating verified this is identify theft it has another person 's name listed not mines. I have asked for this information to be removed. 

I have requested several times for proof, with my signature. A copy of the Original lease or agreement showing my name and signature listed. 

I have contacted the bankruptcy courts no records found they do not release information. I have contacted XXXX XXXX from statement XXXX sends out no bankruptcy founded according to both records. 

I want to know where is information begin verified or certified by XXXX. According to the statements on my credit reports. They have wrong names listed on my profile and inaccuracy listed under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted XXXX and they said I have no stop payments but Bank of America is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at XXXX has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at BofA, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by Bank of America 's fraud. My credit score is XXXX, now it dropped to 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 monetary relief
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,

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 2023-04-14
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:
In accordance with the fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # 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 vears.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO 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 2020-11-13
Company: Experian Information Solutions 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:
I'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED TO THE CREDIT BUREAUS

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 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have opened a Venture XXXX credit card with Capital One which has an annual fee of {$390.00}. Also comes with travel cash back of {$300.00}. 

I applied for this credit card back on XX/XX/XXXX and was approved the same day. My credit card arrived sometime the next week ( keep in mind that I did not get my physical card until late next week ). This credit card offers an Annual Travel CrediXXXX of {$300.00} for travel purchase made through Capital One Travel portal. When I called them on XX/XX/XXXX to double check when was the last day I needed to use my {$300.00} travel credit, they told me it was too late and the annual fee has posted back on XX/XX/XXXX. 

According to their advertisement we get one year to make travel purchases. If I got approved on XX/XX/XXXX and I called them on XX/XX/XXXX which is not quite one year as advertised. This is false advertising and misleading the customers. 
Even the customer service lady and eventually her supervisor reviewed everything and said it was too late even though it was not quite 1 year. Not sure why it is advertised as annual travel credit when they do not give you a year 's time period. 

I am very disappointed at Capital One and its practices. They need reinstate my annual travel credit of {$300.00} for year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Pinnacle Finance LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan to have a bathroom remodeled and new windows in the kitchen. Loans totaled XXXX, to date I have paid XXXX and still owe XXXX. I have not received a statement in over 2 years. When I inquired about my balance and why I have not received any statements I was told that all of my payments had been going to interest. There was a period where I was in bankruptcy proceedings and not making payments but since I reaffirmed with the company I have made more the agreed upon payment. Payments were XXXX and I have been making payments of XXXX since XX/XX/2018 after making a XXXX payment in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEPT OF ED/NAVIENT continues to report to credit bureaux a 90 days past due payment for XX/XX/XXXX. I was in active Chapter XXXX bankruptcy from XX/XX/XXXX to XX/XX/XXXX, and in active forbearance on my student loans. No payments were required during that time, so no payments could be deemed " late. '' I was making payments when possible to reduce balance during that time and post bankruptcy discharge, all payments were made on time, in full, and ultimately completely paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 non-monetary relief
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a reservation for a vacation rental specifying a first floor ocean front with a heated swimming pool and used my CHASE credit card. 

Transaction Post Date : XX/XX/XXXX & XX/XX/XXXX Merchant : XXXX XXXX XXXX Transaction amount : {$200.00} & {$810.00} XXXX called me 2 days before the XX/XX/XXXX arrival date and informed me that the heated pool was not repaired. I asked them to move me to a unit that met my specifications but they refused. I called Chase and the representative at Chase told me not to worry about it as I did not have to pay for services I did not receive and to go ahead and use my Chase card to make a reservation elsewhere that met my specifications. Chase than payed the merchant and has now billed me for the canceled rental. I was very clear when I called them that I could not pay for two rooms and asked for advice. They now say that the first representative was in error. I would never have made the second reservation without first getting the OK from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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  data breach.

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 2018-07-23
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX worth in student loan debt. I keep asking about the forbearance issue and they keep telling me they cant help me or dont know anything about it. Ive tried to talk to multiple people about my situation. The school my loans are through are closing and is being sued due to fraud and lying to students. I was told that i am capable of getting my loans discharged because of the school and not being able to use my degree or anything. Ive been requesting help and havent been getting any. Besides being told what i owe and how i would like to go about paying it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NE
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2019-06-04
Company: JPMORGAN CHASE & CO.
State: DE
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 customer service

Complaint:
Hello, I've contacted CHASE multiple times to have them change my name from my maiden name to my married name ( XXXX to XXXX ). 

I've sent all required documentation. CHASE updated my name on my credit cards, but not my online account. I called and asked customer service to update my online account as well, and was told 3-5 business days. It was never done. So I submitted an online inquiry via the " Send a secure message '' on the Help & support tab. I received a response to give 5 business days. I still haven't received word back on that. 

Please update my name. I attached all paperwork I previously submitted supporting the name change and a screenshot of where it has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i been with b of a for 40year i had problem with credit just like bofa they were bail out by government they have re cover i have recover too all ido at bofa is put money in and take it out i been turn down for a car load 8 times for a credit card all because i list a bofa card debt redution company 7 years ago they say i can not get credit until it drop off that sham- ful i am just a number and that no t fair 40 years mean nothing they did not lose a dine with 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