BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: FL
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 Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX, XXXX  XXXX  XXXX  XXXX  Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have 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 an account without my written instruction or consent.

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 2017-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re : Equifax data breach. 
Issue : I am trying to place a freeze on the account with Equifax, but is impossible to do so either by phone, or web site. 
I have tried to contact them in may ways, but no one seems to be available. Mail is also un-responded. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
AT THIS WRITING PLEASE BE ADVISED THAT I HAVE TRIED ON NUMEROUS TIMES TO GET CLARITY IN REFERENCING TO THE SERVICING OF MY MORTGAGE LOAN : -PROBLEM STARTED WITH THE SERVICING OF MY LOAN FROM XX/XX/XXXX-XX/XX/XXXX BY MT BANK SEE ( exh.A 8 pgs customer activity statement printed by MT BANK-showing current balance {$230000.00} ) - on XX/XX/XXXX requested a qualified written request ( " QWR '' ), never received a reply.
on XX/XX/XXXX because of limited funds I seek free services from XXXX XXXX XXXX XXXX XXXX A 501 ( 3 ) non-profit XXXX XXXX XXXX. who followed up on my request in reference to my request, and XXXX XXXX rec.the following attached dated XX/XX/XXXX ( exh.B ) refusing to reply to my request. 

- see ( exh.C ) XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX showing no late payments. 

-on XX/XX/XXXX see ( D ) on XX/XX/XXXX case information summary from XXXX County Clerk of Circuit Court Electronic Docket Search the alledge servicer XXXX XXXX XXXX stated that they is the morgtor and MT BANK was the servicier and they was directed to file foreclosure complaint by their fir t attorneys XXXX XXXX XXXX which later merged with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX. 

on XX/XX/XXXX XXXX send a payoff which was not ordered by me stated that cerified funds needed to reinstate is XXXX. XXXX withdraw from the case XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
OnXX/XX/XXXX, Chase closed my account. They did not state any reason for the closure of the account, only that they were exercising their right to close any account at any time. I had a balance of XXXX in the account at the time of closure. I was told that once the account was closed, the funds would then be verified and i would receive a check in the mail of any funds left over in the account. I continued to call on a weekly basis. I was told the funds had been verified and the check was issued XX/XX/XXXX and mailedXX/XX/XXXX. I was told to expect to receive the check within 7-10 business days. i waited that amount of time and called back on XX/XX/XXXX. I spoke to an agent in the loss prevention team that the funds had not been cleared and no check had been issued. As of this writing, i have not had access to these funds at all. I have a mortgage and bills to pay and this issue is severely impacting my ability to pay all of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC Bank - A fraudulent vendor opened up 2 PNC Accounts & requested XXXX XXXX XXXX XXXX XXXX funds into the PNC Accounts. They were opened by a fraud entity and immediately closed once the funds were received. 

The fraudulent entity opened 2 PNC Accounts - of which XXXX XXXX XXXX XXXX believes that there was NOT proper documentation received by PNC Bank to support the validity of these accounts. Usually when an account is opened at a bank, there is adequate documentation of the account holder to insure that it is NOT a fraudulent account. 

We request that the CFPB follow up with PNC Bank and access the documentation PNC Bank has on the account holder of the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES

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 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 purchased a patio furniture set from XXXX on XX/XX/2022, for {$850.00} using my Capital One Quicksilver card, the patio furniture was delivered damaged on XX/XX/2022, I called in the same day I received it for some type of help for a replacement and I got no help from XXXX, so I made a dispute with my credit card, then I see on XX/XX/2022, while the dispute was still ongoing XXXX charged my card again so now I owe {$1700.00} total to my credit card for one purchase, when I called Capital One for help on the double charge they opened a separate dispute, after 2 months of countless hours on hold with Capital One providing them emails and documents, Capital One now says they have sided on XXXXXXXX favor for both disputes. 

Why did capital One side with XXXX : because XXXX provided a tracking # to Capital One to justify the 2nd charge.. when I looked at the tracking # XXXX  provided to Capital One as justification for the 2nd charge it is the same tracking # for the 1st charge, they used the same tracking # for 2 charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06
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: Old information reappears or never goes away

Complaint:
I co-signed for a private school loan for my son with XXXX XXXX XXXX XXXX and was unable to pay the loan due to extenuating circumstances. The default of this loan continue to be on my TransUnion credit report after the 7 years since it was reported. XXXX did the right thing and removed it once we reported it to the Consumer Financial Protection Bureau but not TransUnion. We were warned by the refinance agencies we would have continued problems with TransUnion and they were right.I believe TransUnion is playing games with the reporting dates and they do not have a date reported category but a date opened in their reports. There are three separate loans by school semester and TranUnion has the dates as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are also showing closed dates on all three as XX/XX/XXXX which is not correct. The loans are not and have not been closed nor has any payment been made on these loans. 

TransUnion has claimed that they can not find our previous disputes but they are so incompetent it is frightening to have such an organization managing your credit history. We have contacted TransUnion on numerous occasions to ask to have this debt removed and been ignored. In XX/XX/XXXX they sent us a letter stating they were unable to locate our credit report. We contacted them again XX/XX/XXXX and still no response. This debt is far past the 7 year retention term for negative  account history and they have cost us considerable punitive damage. TransUnion seems to be finding a way to stall the solution by contacting the source who will not provide honest information. 

Maybe TranUnion should look at the other two agencies who have the dates reported accurate and remove this 10 year old information from my report.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-02-17
Company: ENCORE CAPITAL GROUP INC.
State: RI
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 reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
Dispute remarks were added to my account on XX/XX/2018. I immediately called Chase and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a Chase representative that the marks would be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Like everyone, the pandemic disrupted my life and my income. I called my lender and asked for a forbearance. I was given the forbearance by Flagstar and tried to get everything sorted out. When I resumed working and earning an income again, I called Flagstar to resume payments and was told I would be sent to FHA for a post COVID assistance. I received a phone call from my lender on XX/XX/2022 stating that I was denied and would need to send in a full documentation modification review. After a return call we spoke to XXXX ID XXXX who said the partial claim was denied because the past due amount is greater than 25 % of unpaid principal balance. This is all well understood by me and I do not have a problem with the denial of the partial claim. The problem is that when I asked XXXX to send me back to FHA for a recovery modification review, he refused. He stated an entire documentation package would need to be sent. I asked why can I not go to FHA for the streamline recovery modification. I was told that the streamline recovery modification was a full documentation review. After research, this is incorrect. My lender will not listen to me and will not send me to FHA for the assistance I believe I qualify for. Also, the phone call telling me I was denied and needed to reinstate did not offer any other alternative. When I looked into this, I believe I was misinformed about the options available 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 explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: OR
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 placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Old information reappears or never goes away

Complaint:
XXXX  XXXX was paid 2 years ago. 

XXXX XXXX  was sold to a third party without my permission. 

Medical bill was paid 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In reference to the previous filing with CFPB complaint XXXX. Bank of America, has received several correspondence and official communications including those with CFPB regarding the account in question. Bank of America is fully aware the most resent address. They are fully aware the current address in not in Florida ( A LETTER I ONLY HAVE NOW BECAUSE IT WAS ATTACHED TO A BOFA COMPLAINT RESPONSE ) .. Its just a way to keep money they know is not theirs. A petty act that did n't work. CFPB, should change policies that do not allow them to interject to blatant petty maneuvers such as Bank of Americas actions regarding the refund of the credit on the account. Clearly the banking statement has a Texas address that states a credit of {$120.00} on the account. Common sense would dictate sending the funds to that address ON THE VERY STATEMENT YOU PRINTED IT ON ( SE ATTACHED ). But they choose the, lets play XXXX and try to keep the money approach. SEND THE FUNDS TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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 2021-04-14
Company: EQUIFAX, INC.
State: SC
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:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation