BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I request proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/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 XX/XX/XXXXXXXX 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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: LEXISNEXIS
State: NV
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:
dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Personal information incorrect

Complaint:
I HAVE SENT MULTIPLE LETTERS TO EXPERIAN, XXXX AND XXXX IN AN EFFORT TO HAVE MY CONSUMER REPORTS UPDATED. SO FAR I HAVE NOT RECEIVED ANY RESPONSE AND IT HAS BEEN OVER 45 DAYS. 

The FCRA states the banking is dependent upon the accurate reporting. These inaccuracies are harmful to me as a consumer. 

Please remove every address listed except the correct address listed below. 

XXXX XXXX XXXX XXXX, GA XXXX This is the only correct address. 

There are over 20 variations of a name that is not mine listed. 
The only name that should be listed is XXXX XXXX Again the FCRA states the banking system is dependent upon accurate information. Please update immediately.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-25
Company: EQUIFAX, INC.
State: SC
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 sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Self Financial Inc.
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Issues with repayment

Complaint:
Self randomly decided to cancel my credit builder account 2 weeks ago because they couldnt verify my identity even though Ive been a customer for years and my payment accounts have my name on it. The credit builder account is supposed to be a glorified savings account. Its paid out when the account closes. I asked where my deposit is and was told its under review but no one will tell me why. Or why my money, which was advertised as a savings account that gets sent right back to me after the contract ends, is suddenly being held ransom. And I dont understand why all of a sudden my identity is a question. My payment account was verified through XXXX and it has my name on it! I made my last 2 payments through the account its supposed to be sent to. They have enough information about my identity to take my money but not to give it back? And if they needed verification why was it an issue after they closed my account? Why did no one say anything to me before? Especially since Ive spoke to their agents numerous times before the account was closed. My money is supposed to go right back to me within 2 weeks. Not held for reasons no one will tell me. And as a customer there should be transparency, especially when dealing with money and credit. And judging by most recent reviews its a serious problem, with people complaining about not receiving their money back for months. So right off the bat theyre breaking the contract they advertised the business as. Its fraudulent and predatory behavior from Self Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: U.S. BANCORP
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My car was broken into wallet and credit cards was stolen fraud happened to my account fraud department froze my account so I wasn't able to make payment because I didn't have credit cards and they froze my account so I received 60 day late on credit report l.Since than I have made payments to get back on track. Police reports were made in XXXX and XXXX of 2022 Elan financial credit card.

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 2022-09-25
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: Personal information incorrect

Complaint:
I sent a letter dated XX/XX/22 to Experian advising that there was incorrect, and outdated information on my credit report including an old employer and my legal name is STILL incorrect. The name should be XXXX XXXX XXXX. The outdated employer was updated deleted however may name was still not updated.

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 2022-09-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX, attempted to open a joint checking account at Chase Bank with my husband, XXXX XXXX, shortly after our marriage to deposit the checks that were given to us jointly although made out to one or the other of us. I went individually to the Chase branch in XXXX XXXX XXXX XXXX, and informed them of my wish to open a joint checking account. They said that was fine as long as my husband went into another Chase branch and finished opening the account. He went within two days to a branch by XXXX XXXX XXXX XXXX to finish opening the account, and was told by the representative there it was complete. I then proceeded to deposit checks made out to both him and me on the Chase mobile banking app. I deposited a total of {$5300.00}. Unfortunately, the person who was helping my husband did not actually complete registering him for the account despite telling him that he had, and so the checks I deposited that were written to my husband were marked as fraud. My husband returned to that Chase branch to clarify what had happened, we went together to a Chase branch in XXXX XXXX, NY to tell them and provide proof that XXXX XXXX was present with his government issued ID and saying it was not fraud that XXXX XXXX tried to deposit checks written to him from our wedding, and we called the complaint escalation number three times. We were told by everyone that the only way to resolve the fraud complaint was for Chase to contact the people who had written the checks I deposited under my husband 's name and confirm with them that there was no fraud. However, there were {$3100.00} worth of checks I deposited under my husband 's name, each one written in $ XXXX {$300.00} increments, and none of our wedding guests picked up the phone when Chase tried to call them to clarify. As far as we know, they called from an unknown number and Chase would not tell us if they left a voicemail. They also wouldn't tell us if they tried to call the wedding guests more than once. Chase closed the account, refunded me the checks written out to me ( for a total of {$2200.00} ), but still over a year later has not refunded the {$3100.00} in checks written to my husband that I tried to deposit because of this theoretical concern of fraud even though we clarified with them that there was no fraud. The issue was ultimately Chase 's mistake because an employee at their XXXX XXXX branch did not register my husband to the account despite verbally telling him that he had. Chase have given us no alternative path to resolution and has told us that there is no one higher in the organization that we can contact. They have held our {$3100.00} for over a year. 

The account was a Chase Total Checking account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: PA
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 Open XX/XX/2019, 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 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 2023-11-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
I recently found a charge for {$540.00} on my truist business checking account for XX/XX/2023. I've never dealt with the company XXXX, ever. It says 'POS transaction ' and I can tell you I've never been to your their store or bought anything online. Never heard of them. The reference number through my bank is XXXX. The authorization response code is XXXX. The last 4 of my debit card is XXXX. Truis refused my claim because they said my contract says if I dont report a charge within 30 days, then I miss my chance. I have not been shown a contract that says that. They said I needed to contact XXXX. XXXX refused to provide any information or refund the stolen money.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: NV
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

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 2022-09-22
Company: FC HoldCo LLC
State: IL
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, 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 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 2022-07-04
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
AS OF TODAY IT IS 4 MONTHS SINCE A COMPANY GOT A BONUS OF XXXX OUT OF MY DEBIT CARD FOR A SERVICE/ CAR I DO NOT HAVE ANY POSSESSION OF AND NEVER WILL. PNC HAS DUG A HOLE AND IS NOT FOLLOWING THROUGH AND COLLECTING THE MONEY THAT IS OWED. 
IVE BEEN STUCK WITHOUT GAS DRVING XXXX TO XXXX. STUCK WITHOUT FOOD, AND MOST LATELY STUCK WITHOUT A CAR SINCE THEY ARE THE SLOWEST AND MOST IMPOSSIBLE BANK TO GET TO FOLLOW THEIR OWN POLICYS THEY OWE ME {$680.00} FOR A MYSTERY WITHDRAW THEY CAN NOT SHOW WAS DONE BY ME BUT MORE OR LESS THE BANK STOLE FROM MY ACCOUNT ENDING IN XXXX. ITS QUITE EASY TO SEE IT TRANSFERS TO ONE AND THEN NO WHERE ..... 

THEY ARE OWING ME XXXX FOR THE PRIVIOUSLY ISSUE AS WELLL TOTAL XXXX ATTACHED THE PROOF OF DEBT YOU OWE ME PERSONALLY AND THE 21 PAGES I HAD TO FAX SEVERAL TIMES FOR OTHER DEBT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-25
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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 company inquired my credit report without my authorization on XX/XX/XXXX and XX/XX/XXXX of 2022. I called them on XX/XX/2022 and after a long wait on the phone where I complained about them pulling my credit without my consent the agent on the line cut the call claiming he could not hear me. I bet he could hear me he just did not want to address the issue. I sent a letter on XX/XX/XXXX asking for the consent or have my inquiry removed. They have not replied to me. And after this bad initial impression on the phone, I feel like they will also ignore my letter.

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 2022-12-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has been an absolute horrific business with deceptive business practices and customer service representatives who are tactfully trained to put students and borrowers into more and more debt. I originally obtained a loan from Sallie Mae ( who later transferred my loan to Navient ) to pay for my education in XXXX. Since then, though I've made many, MANY payments on time, there were times where I struggled and couldn't make my payment. Everytime I called, they regularly and routinely " forced '' me into forbearance and made it an effort to say that this was a great solution to my problem. XXXX did I know- the interest continued to mount and XXXX and though I borrowed {$7000.00} in XXXX, I'm STILL making payments in XXXX ( almost 10 YEARS later ). I know there was a lawsuit with Navient where they should be forgiving private debt and I've met the criteria. However, the representative I spoke with indicated they're waiting for a letter ... What letter could you possibly be waiting for? I meet the eligibility and you admittedly engaged in deceptive practices. I was XXXX or XXXX when I first took this loan. I'm almost XXXX and still paying ( and have already paid WELL over the XXXX originally borrowed ). The representative ended the call by reminding my my next payment was due on the XXXX. What the XXXX? Seriously?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an agreement with Discover that this was a pay for delete account. I paid in full after charge off but Discover failed to stick to their end of the bargain and did not delete this account as agreed. Account still reports as negative when it shouldve been removed off my credit report.

Company response to consumer: Closed with explanation