BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had very good credit my entire life. I recently sold one of my houses and paid off a home equity loan that was attached to this house. Everything else stayed the same ; perfect payment history. My credit score dropped more than 100 points from a XXXX to a XXXX. I called Equifax to find out how I fix this and they told me there is nothing they can do, that I needed to hire a credit manager ( they probably own the credit managing company! ). They simply report what is reported to them. Paying off debt should not change my score that drastically. I will be applying for another mortgage for a rental property and my state uses credit scores to determine what you pay for insurance so this is going to cost me money. I need to get this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America withdrew {$400.00} from my checking account without authorization. Making my checking account go negative. This is the second time the bank does this to 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 monetary relief
Consumer complaint received 2021-09-23
Company: Colony Brands, Inc.
State: NJ
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 DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) XXXX the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a 'Blue Sky ' credit card with American Express . On XXXX XX/XX/2019 I received a letter from American Express ( attached ) stating that they were reducing my credit limit on the account by 50 % to {$12000.00}. The grounds they gave for this decision in the letter was : 'There has been minimal activity on your account in the last twelve months. ' This statement is false, as examination of my account records over the past several years indicates.

I have had an account with American Express for several decades. Over the entire period I have always observed all rules and conditions related to the account. I have always paid my account balance in full each month. I have never chosen to use the account to run an ongoing credit balance, i.e. to borrow from them over time.

There is no valid justification for their taking this action against me. I have to conclude that they are intentionally discriminating against me for one of two reasons : ( 1 ) they recently tried to 'upsell ' me to accept a different card product from them, which I chose to decline ; or ( 2 ) over the past year, for the first time since I have had the account, I had to challenge charges on my account made by retailers. Each of the 3 challenges was for different, unrelated reasons. None was for larger than {$45.00}.

When I attempted to get American Express to right this error, they told me that in order even to begin a process to restore the prior credit limit, they would demand from me a large amount of additional information about my personal financial status. I consider that to be an unreasonable and inappropriate request, given my credit history with the account. For the record, I have never come close to spending up to the original credit limit. I object to their action because it is based on a false claim and because it is a hostile act against a long standing, reliable customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed.

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 2019-06-05
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 my checking and savings account at Boeing Employees Credit Union was almost completely cleaned out by someone who was able to easily gain access to my account, despite my best efforts to use a complex and unique password for online banking. Three outgoing transfers, via the XXXX instant transfer service, totaling {$970.00}, took place all within the same minute, according to notification emails I received. I had until this time never enrolled in the XXXX service. Immediately upon seeing these emails, I placed a call to BECU and was on hold for a short amount of time before a customer service representative was able to speak with me, confirming the successful login earlier by the criminal. It was apparent BECU had not flagged any of these actions as potentially fraudulent, and only after I called did they freeze my account. I was then placed on hold for an extended period for an unclear reason, so I could speak to a technical support representative. I had to repeat the same conversation with this rep, who told me they had frozen my account and an investigation would be started. Both representatives did not appear to take the situation very seriously, and I was not given any information regarding investigation for my own reference. This event is particularly disturbing, considering that I have contacted BECU numerous times in the past to complain about how weak their password reset system was, and their lack of a robust two factor authentication system. Currently their online banking system should ( and seldom does ) ask for a XXXX based token when logging in from a device their system deems new, but this is easily bypassed by answering some personal information questions. I have implored BECU to strengthen their online banking security, only to be brushed off. Their gross negligence exposes their members to unnecessary risk of fraudulent transactions, despite proactive members best efforts to use a strong, unique password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my bank account was hacked. The hacker wrote themselves and electronic check in the amount of {$3100.00}. 

As soon as I noticed I called my bank PNC, which then instructed me to file a dispute and sign an affidavit which was to be notarized by a branch representative. I did just that XX/XX/XXXX. 

On XX/XX/XXXX when I called the bank to check in on the dispute process, I was notified that the instruction given to me by previous bank reps was wrong and I needed to file another dispute ; which I did. 

Now, PNC is denying the claim and they told me that there is nothing that can be done. 

As a consumer I was robbed of my funds and the bank is failing to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX  XXXX Balance : {$4100.00}

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 2023-04-06
Company: Experian Information Solutions Inc.
State: NC
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:
Never opened an account with XXXX XXXX they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a XXXX XXXX  credit card. This is a mistake that needs to be fixed asap.

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 2023-04-12
Company: Southwest Credit Systems, L.P.
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:
XX/XX/2023 The account balance was paid in full in the amount of {$150.00} as per the documents provided It was promised to be deleted from my credit from XXXX, But south west credit systems refuses to provide a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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: Account information incorrect

Complaint:
I looked at my credit report and saw that i had 2 payments more than 30 days late from citi. I called citi and asked them if thats true and they said no. I disputed the delinquencies with XXXX  and when i get the results, citi is saying its accurate which its not. I tried calling citi to dispute the findings but they have absolutely terrible customer service and couldnt get a straight answer, i was on the phone with them for over answer, i kept getting transferred and nothing got resolved

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 2021-07-06
Company: OPORTUN FINANCIAL CORPORATION
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:
No action was aken by the company Oportun or credit reporting agencies. I called and explained numerous times that these accounts were inaccurate and did not belong to me as I am a vivctim of Identity theft. I attempted to get these items removed from my credit reports and submitted several disputes. No disputes were successful and inaccurate reporting really hurt my credit score and has really affected the way in which creditors look at my credit. I was even declined an apartment due to innaccurate reporting from Oportun and credit reporting agencies. I have sent credit reporting agencies ( XXXX, XXXX ) and Oportun disputes in writing and proof that I am a victim of identity theft by including identity theft police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Square Inc
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The cash app .com kerps calling my families and telling them my private information and won't leave them alone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im concerned that the lack of communication with PHH Mortgage Services, which is placing my residence at risk for foreclosure. I was behind two months prior to COVID-19. I reached out to the lender for forbearance as recommended by financial experts as a result of COVID-19. I received an email, dated XX/XX/XXXX, which appeared to indicate that my forbearance request had been approved. I sent two months ( XXXX & XX/XX/XXXX ) payments with the stimulus money I received via bill pay through my bank. However, the payments were returned by the lender. I have been unable to access the mortgage account online. Im also pursuing unemployment benefits and am awaiting payments. 

I spoke with two representatives, on XX/XX/XXXX, in an attempt to get answers to my concerns. The first agent ( XXXX XXXX was unable to answer my questions regarding why my payments were returned and the deferred balance that is represented on the monthly statement for XX/XX/XXXX. Acknowledging that she was unable to answer my questions she transferred me to her supervisor, XXXX ( Agent XXXX ), who informed me that the payments were not accepted because of a Notice of Intent, which he explained to me the meaning. I explained to him that I had not received a Notice of Intent and the decision I received from the mortgage company informing me that the forbearance request had been accepted. He assured me that he would email the Notice of Intent, which I have yet to receive. He also advised me that the forbearance was not approved. We also discussed the Deferred balance that is reflecting on the account which is close to the cancellation of debt ( XXXX ) by Ocwen which PHH Mortgage Services is a subsidiary. This account was included in a lawsuit filed against Ocwen for failing to process a loan modification request. His response was the regular principal balance and the deferred principal balance equals the outstanding principal balance on the account. Im not sure if Im being charged an interest rate for both balances as opposed to the one outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX of this year, I temporarily ( from XX/XX/2019 until XX/XX/2019 ) lifted my credit freeze in preparation of securing a credit card with XXXX 's to purchase appliances for a home I have under construction. The XX/XX/XXXXdate was chosen so as to allow for consideration of other situations ( such as a Mortgage application ) that would be required in conjunction with the construction of my primary home. 

On XX/XX/XXXX, I secured the card and purchased my appliances. On XX/XX/XXXX of this year, I noticed a fraudulent charge on my credit card, which I began addressing with my the Bank. 

On XX/XX/XXXX, I became aware of the data breach of XXXX XXXX, a regular provider of health care services for myself. I immediately attempted to re-freeze my credit and was able to do so VERY easily with XXXX XXXX, but after several days, numerous attempts to either re-freeze my credit or to SPEAK to someone ( " I'm sorry we are having technical difficulties and unable to process your request, please call back later '' ) regarding the situation, all I have to show are a pile of online response requesting that I put my identity at even GREATER risk, by sending my social security number, a copy of my driver 's license, info regarding my date of birth, and a copy of a current utility bill by US mail to an XXXX, Texas address. In essence the perfect identity theft fabrication kit being sent by the LEAST secure method possible. 

As do ALL Americans, I want the ability to deny any and all credit bureaus, especially those that fail miserably in providing customer support, the ability to retain and profit from MY personal info. I also want them held COMPLETELY responsible for any and all data breaches of personal info. Finally, I want the corporate officers, who by virtue of stock transactions seek, to avoid harm or to EVEN profit some such misdeeds rewarded with stiff criminal penalties and significant fines. 
.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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 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 2023-02-01
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-05-05
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: Personal information incorrect

Complaint:
I need you to please look carefully at the documents that I've attached as the personal information you're reporting is 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
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 submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation