BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXXXXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Bank of America original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX. They are all more than 12-24 months old and must be moved from my credit as they are destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL 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 2022-09-27
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not received clear instructions on loan modificationI keep having to explain over and over about whats going on.Also have spoken with manger but that does not do anything. They said the sent a loan modification offer but we never received it and the manager show the never sent it now t to he rejected a offer we never received and the they sent a congratulations that they will accept offer and its no one in charge and manger or supervisor is always busy and never call back while were scared are might go in to foreclosure because Mr. Cooper keeps dropping the ball

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was trying to get my free XXXX XXXX XXXX from transunion on friday XX/XX/XXXX and when i requested it they charged me {$21.00} two times on my credit card. I told them the issue they said that there was an accidental subscription request and that they would cancel the membership. However, when i looked today the pending {$21.00} actually got charged. I didnt buy any subscription and I dont want it.

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 2022-07-30
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:
THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED AN UN-AUTHORIZED ACCOUNT ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED ACCOUNT ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: JPMORGAN CHASE & CO.
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 had XXXX credit cards that went into default with JPMCB over two years ago. XXXX card for XXXX and XXXX card for around XXXX. Since then, I have paid off XXXX credit card for the amount of XXXX. JPMCB closed my credit cards XXXX years ago. JPMCB wrote it off as a loss and turned this case over to a collection company and they reported it to the major credit card bureaus and my credit score dropped into the XXXX 's. Two years later and a wage garnishment later. Again my credit score dropped XXXX point because of the collection agency. If my account has been close for over two years now and I have worked hard to raise my credit score and continue to pay towards the XXXX. Why do you feel you have the right to continue to XXXX with the credit bureaus to hurt my credit score. You are getting paid every time I receive a paycheck because of the wage garnishment you placed with my employer. How many times do you think you have the right to hurt someone's credit score when you are being paid back. This is the second time you hurt my credit rating and you are getting paid back. XXXX XXXX shows that these XXXX credit cards are still open. That not true!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.

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 explanation
Consumer complaint received 2022-07-30
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter dated XX/XX/2022 on XX/XX/2022. This debt does not belong to me. I have disputed previously and the debt collector continues to send me mail. I wish to not be communicated with and wish to continue to dispute this debt. The debt collector is Capio Partners LLC located in XXXX, TX XXXX. Original Creditor reference # XXXX. Capio Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and 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.

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 2023-02-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with JP Morgan Bank and made a mobile deposit on XX/XX/2023 of a check drawn from my XXXX employee XXXX account. This check is a U.S. Treasury Check in the amount of {$1600.00}. 
My account was and is not in the negative and is well over 30 days old. In fact, I have been a Chase bank customer for years.. However, not only was there any amount made available to me within 24 hours but there was a hold placed on this check until XX/XX/2023. According to Chase 's own policies as well as General Rules ( 229.10 ( a ) 229.10 ( c ) ) of the Federal Reserve Bank Consumer Compliance handbook and U.S. Treasury bank check can not be held. 
I spoke with customer service twice on XX/XX/XXXX and was referred to the fraud line and was told that the check was valid and should not be held... However, the representative stated that the hold would still be in place and funds would not be available until XX/XX/XXXX no matter what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: CITIBANK, N.A.
State: MN
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 requested credit limit increase on XX/XX/XXXX for my existing XXXX Citi Credit Card. 

On Citibank website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from XXXX that, Citibank ran a credit inquiry on my credit report. I never authorize Citibank to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of XXXX page for reference. 

I dispute this inquiry with XXXX to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact Citibank directly. 

I contacted Citibank on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like Citibank run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.

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 2022-08-23
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called customer service and asked a supervisor/manager to call me back or email me regarding the {$400.00} bonus if could give me as a courtesy. But no one called me or email me within 24 hours. 10 transactions were only 1-2 days late.

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 2023-03-10
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-07-30
Company: Leaders Financial Company
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account with Leaders Financial is closed in 2018 and the company is garnishing my checks for the amount owe, yet they are still reporting the account as late on my credit report even though they are receiving my payments from my job every month. This late reporting is keeping my score low. The name of the original creditor company is Leaders financial and the people that bought the debt are saying they have nothing to do with what is reported. Leaders keep telling me that they don't have anything to do with this account anymore, so why are they still reporting as late or even reporting at all. I have been going though this for 5 1/2 years. I can't get a loan, a car in my name and more. Please help me to remove this leaders account off of my account as I have tried over and over again. I am trying to improve my credit score as I can't even rent an apartment in my name. Please help me to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
Im a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so amex gave me an offer to upgrade to there better hitlon amex card to get more miles and upgrade my Hilton status I called customer service to see if they could possibly waive my annual for the 1st year to try it out and do the upgrade and they refused it I already paid XXXX on the current card I have and was willing to forgo if they upgrade to the new card and the waiver annual fee at least for the 1st year. I have wrote several emails to the corporate offices to see if this is a possibility and I have nothing back for 2 weeks I can't get a hold of anyone so thought I would escalate this here I have enclosed a copy of the offer. I figure going this way is the best way to get someone to respond since the coperperate refuses to answer my emails

Company response to consumer: Closed with explanation