BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
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 items 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 any items 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$51.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX 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 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 2022-10-06
Company: EQUIFAX, INC.
State: FL
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$5100.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.

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 2022-03-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX and XX/XX/XXXX I went to bed at XXXX watched my account They then added XXXX  four times by XXXX XXXX.This happened to add with putting any notice in mail or email.Not showing me what the charges for.I had XXXX yesterday.All paid for items.Everything stated posted besides my items at XXXX  XXXX and at that time everything else was posted and paid. 


I had a talk with XXXX head offices today.They informed me that they were fully paid on the XXXX of XXXX.The fees were in turn removed by pnc today and repaid to them. And pnc added fees to my account after illegally charging me for back dated items that was already paid for.Items on XXXX still under posted.Did not get charged for those.Yet they back dated removed the item paid already and repaid them and charged me fees 4 XXXX  fees.They stated that it was already paid and should not have had any fees.They did not post anything with pnc.The charges came out XX/XX/XXXX and XXXX.They were paid in full.But told me pnc took the money back and paid it back witch gave me those fees.That should not have happen.They did not do it instead pnc did it and gave me XXXX  fees four times.They did it by pulling fully paid items and turned them negaive when they were already paid.XXXX  agrees that should be paid back or a lawsuit for illegally trying to collect fees not owed.They said pnc paid them and then pulled it back and paid again.And today was a ton of XXXX for other items that was posted as paid items that was back dated before XXXX.It was paid so why charge for items that they back dated.I notice they do this a lot.Took XXXX in XXXX  fees for XXXX worth of its that was paid.I had just got my social security today and they stole XXXX from me.And I would like my money back and for this to be investigated for fraud activity by pnc. 


Hi I need to dispute these XXXXfees.I had moneyin my account and It was not negative.I woke up to four different transaction of XXXX.I will dispute these as well with fairshake.That should not be there.XXXX Spent XXXX at XXXX XXXX and woke up to all these fees when I had money an dno notice on these fees no 24 hours went by just instantly posted XXXX  times four..I need my money back in the account .That is just not right.Instantly post that.Been watching my account very close.This is no day later it posted to add fees several times on porpose. 

I need my money back.I will be moving and I am working with a loan mortgage .And this should not be on here when it was not negative.I am contacting XXXX attorney Because I am being charged when having money in the account and everything posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Atlanticus Services Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I paid my balance in full with XXXXFORTIVA XX/XX/2019. After I paid the balance in full, I asked the company to closed my account in XX/XX/2019. XX/XX/2019 FORTIVA reported a late payment to all 3 credit bureaus. I have called this company several times over the last 3 years demanded that my account be closed and it has taken this company 2.5 years to close my account, that should have been closed in XXXX XXXX this account was NEVER paid late because it was paid in full 3 months before reporting late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CO
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$2900.00}

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 2017-09-02
Company: EQUIFAX, INC.
State: FL
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:
A couple of months ago, I received a notification of a " missed payment '' from XXXX XXXX from a company named XXXX XXXX XXXX, which I have never heard of. After checking my credit report to verify, I filed an investigation through Equifax to fix the issue. After a couple of weeks, Equifax concluded that the account was mine and should contact XXXX XXXX XXXX, whom they blamed. I tried to contact said company and struggled to get a hold of anyone. Soon after, I filed a complaint with XXXX against XXXX XXXX. They contacted me the next day, assuring me that they did not have any of my information and that it was impossible for them to file against my credit. With that said, I called Equifax again, and I was simply in the middle of two companies blaming each other. Finally, Equifax realized their mistake and started another investigation. I THEN REALIZED THERE IS ANOTHER SOCIAL SECURITY NUMBER LINKED TO MY EQUIFAX REPORT AS " ANOTHER FORM OF ID ''. Thus, I filed another complaint, which they " resolved '' with the following message " we have reviewed your concerns and our conclusions are : the disputed variations of SOCILA security number has been deleted from your credit file. '' Unfortunately, the variations are incorrect and the same another form of ID remains linked to my account. With that being, I have attempted to resolve the issue with Equifax, unfortunately my attempts have been futile. The company has yet to fix the problem and only seems to be making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Great Lakes is my student loan servicer and my loan ( Dir Stafford Sub and Unsub ) is currently past due because they used unethical and illegal means of denying me access to the income driven repayment options available to me. Each time I tried to reapply/re-enroll in the income driven program that I was already enrolled in, their website would not allow me access to the different sites that I was sent to. When I called customer service about this issue, I was told I would be sent paperwork in regards to the matter but did n't receive the paperwork so I could remain on the income-driven repayment options. On the last day of eligibility, one of their representatives called me and asked was I still interested in being enrolled in the income-driven repayment option and I told the person 'yes ' but nothing happened and a few days later, I was no longer enrolled and then the late/non-payments started being applied to my account and then it went on my credit history with the credit bureaus as non-payments when I am still eligible for the income-driven repayment options, but they would n't fix the issues with the website or send me any paperwork to keep my eligibility. Each time I 've spoken with them when they call about receiving payment, but no one at Great Lakes has fixed this issue. I need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
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 already disputes these accounts as well as added a local police report to the dispute and this CRA still refuses to remove the fraudulent inaccurate accounts 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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to Transunion and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.

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 2022-08-14
Company: EQUIFAX, 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:
I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 had an credit card account with XXXX XXXX XXXX XXXX that was removed from my Transunion credit report. At this present time the XXXX XXXX XXXX is added back to my Transunion 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 2018-05-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I singed up for a Navy Federal XXXX XXXX XXXX. The promotion was for XXXX rewards points if I spent {$3000.00} in 90 days. I completed my portion of the agreement and continued to contact them about the reward. Finally on XX/XX/2018 I was told that I would receive the reward as the promo code was for 0 APR. I told them that they switched my code and I would never carry a balance and would not need 0 APR. 
I was on the Navy Federal website when I did this and the promotion is still on the website. There wasn't any promo that I clicked on for 0 APR. 
They switched my code and refuse to honor the promotion is signed up for, XXXX reward points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans sent me the attached letter dated XX/XX/XXXX proving that they violated the FDCPA by sending out signed Notices of Trustee Sales and posting them on my property without any individual taking responsibility for trespassing on my property. It is clear evidence that a company called XXXX XXXX allegedly signed a CERIFICATE OF POSTING without a real human being signing it violating the FDCPA. Also, in their extensive letter Caliber fails to address how I had a balance of {$920.00} plus {$1100.00} and paid them {$4900.00} in taxes, as shown on my XXXX XXXX IRS Form if as they alleged in the Chapter XXXX BK I filed I did make the payments as agreed during XXXX? Also they violated Federal BK Laws by not applying my post petition payments correctly and charging my at least {$410.00} in late charges and other fees of {$350.00}. I would like an Accounting done on all regular payments made during my BK in XXXX asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My father XXXX in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fee, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees including the years that they wrongfully foreclosed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: MI
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 am attaching a letter of explanation on several issues with accounts, XXXX to be exact. One account I was never late on. Three accounts that are labled charge off with balances still owed and I know that is not accurate. I never recieved a 1099 for those so how can a balance be owed. Also an account that is not mine I have no idea why it is on my credit I have rights and want these items to be deleted.

Company response to consumer: Closed with non-monetary relief