BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: LEXISNEXIS
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: AZ
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:
This is MY 4TH attempt to correct inaccurate information being reported in my credit report published by EXPERIAN. I found a number of items on the report that EXPERIAN are publishing, Data sets related to inputting of accounts were not XXXX XXXX Complaint, I have demanded EXPERIAN disclose all of the documents upon which experian are relying on, for the reporting these hard inquiries. In accordance with EXPERIAN obligations under the Fair Credit Reporting Act XXXX XXXX. XXXX the consumer is entitled to said requested records. The information EXPERIAN IS reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. 

I have demanded that EXPERIAN remove these HARD INQUIRIES from my file within 30 days in accordance with experian 's obligations under the Fair Credit Reporting Act XXXX XXXX. XXXX, or send me copies of the documents that EXPERIAN have in your files as of this date that you rely upon for verification of these accounts. 

In addition to the above notice and request to deletion erroneous and unverified information, please also remove all non-account holding inquiries over 30 days old. XXXX XXXX XXXX, XXXX XXXX, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian is simply sending me the same computer generated statements claiming these hard inquiries are verified without providing strict proof.

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 2022-10-24
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had my account opened. I had gotten a settlement and several different deposits there was two or three main big with. Withdrawals I had my mom called and I was locked up in jail and when I got out they claim that my account has been closed and all the money has been used. Theres no way because I was in jail. Obviously Ive been fighting this for a year and a half now Im sick of it. I had another deposit that says that it went through. Theyre telling me it didnt and find out the bank is closed or went underneath some other name. they claim no records but I got my emails proof and my account had been transferred an now that account is not open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-24
Company: EQUIFAX, INC.
State: IL
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase Marriott card on my credit score, shows closed but is incurring interest and missed payments. Please remove this card, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: CA
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 submitted a fraud report to Chase regarding a fraudulent charge of {$730.00} posted to my credit card account on the XX/XX/2022. As a result, I requested and received a new card to prevent further fraudulent transactions. 

On XX/XX/2022, I received a call from the Disputes department at Chase asking about other charges I authorized around the time of the fraudulent charge. I provided all the necessary details and explained again to them that the charge in dispute was still fraudulent. I also offered to provide any additional evidence and information in order for them to accurately investigate the issue. 

A few minutes after my call with the Disputes department, Chase closed the investigation ( without requesting further evidence, which I offered to provide ) and determined I was responsible for the fraudulent charge. 

Chase has neglected to : 1. Provide proper investigation results of my case including the steps taken to come to a decision ; 2. Complete due diligence by collecting all evidence regarding my dispute. 3. Provide Zero Liability Protection for unauthorized transactions as promised.

Chase 's negligence in this matter has resulted in damages to my financial outlook, a lot of emotional stress, as well as causing my personal and professional life to suffer as I attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Nav Technologies, 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: Credit inquiries on your report that you don't recognize

Complaint:
After submitting a dispute against XXXX XXXX XXXX XXXX stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Credit inquiries on your report that you don't recognize

Complaint:
After submitting a dispute against XXXX XXXX XXXX XXXX stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.

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 2022-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX we received a letter from XXXX XXXX, a debt collector. They said I owe {$1700.00} to Citizens Bank for a XXXX account. My husband and I thought it was spam because we never had an account with Citizens Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. 

I checked XXXX XXXX and I learned that a Citizens Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly XXXX points. My credit score is usually over XXXX. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Citizens Bank customer service and found out that it was a Citizens One loan and not a Citizens Bank credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. 

I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. 

On XX/XX/XXXX we also reached out to XXXX XXXX to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. 

Citizens Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. 

On XX/XX/XXXX we received mail from Citizens Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-11
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was approached by a XXXX  salesman at XXXX, Told himI just purchased a home and didnt know when I would even be moving into home. He said that wasnt a problem, I can set up your account and they will send you the equipment and you wont be billed untill you have equipment set up and you make a call to activate the equipment, They mailed the equipment to my address and also billed me immediately. I called and cancelled the account and turned in the equipment, equipment was never opened, Also have the receipt for equipment returned. I asked store clerk if I owed anything because I had the XXXX bill with me and he said that bill was just a pending bill if I didnt return the equipment. Told me there was no charge. I would have paid this bill immediately if I owed it. My XXXX  was XXXX when this collection started and I have always paid my bills to get my score this high. Because of this debt collection that I do not owe, my XXXX score has dropped to XXXX, which I am very mad about. This is either XXXX  policy to have salesmen lie to get accounts or salesman lied to get account. They started this debt collection without ever asking my side of the story.

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 2021-09-01
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Penfed credit union is false reporting to my credit reports XXXX, XXXX and XXXX that I am delinquent and is reporting false amounts that I did not owed. they are putting on my balance each missed month payment plus late fees charges to my visa credit card XXXX, XXXX for the months under declared disaster XXXX COVID 19 ( XXXX XXXX TO XX/XX/XXXX ), XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) and natural disasters and personal situation CAR ACCIDENT WITH PROPERTY LOSS DUE TO NATURAL DISASTER DISRUPTION XXXX AND XXXX. ( XXXX XXXX ). ALSO IN XX/XX/XXXX they closed my XXXX XXXX credit card XXXX without my concern, without my authorization and without previous notification and transferred the credit card balance to new visa credit card XXXX, after I used my XXXX during a trip to XXXX and because I make an claim for not service received and change location for my own safety. They continuously makes calls, sent emails, sent letters and denied me a consolidation loan for my credit cards because they said the accounts will be closed, and I applied XX/XX/XXXX because they are charging if i have a loan of {$20000.00} instead of {$10000.00} in monthly payments where I am paying the double amount for credit cards. But was not the real reason they want to let the accounts open to charged monthly payments and late fees over the credit limit and damaged my credit report, they also threatened me that my credit report will be impacted and I was not employed with FEMA and XXXX XXXX XXXX XXXX last year because the credit report, where under CARES act they banking institution and credit union institution supposed to not report that, neither told me that I am delinquent and with inaccurate delinquent amount. They closed the accounts recently when threatened me to send the accounts to debt collection agency by letter, and I can't used it since XX/XX/XXXX, they did not allowed any more charges over the credit limit of {$5000.00}. And they denied me a car accident loss property replacement transportation auto loan against my rights to continued with a replacement transportation after my property loss in the car accident, that was not my fault, it was an attempt to my life, where the truck is completed stop in the expressway very early morning at XXXX and there no illumination in the road. They obligated me to submit a hardship application and they took the money of my account without my concern and without authorization last XX/XX/XXXX, and they tried to take the third stimulus amount received to cover credit cards missed payments under Covid19 disaster XXXX in a predatory action against 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 2020-08-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have submitted 3 different disputes with Equifax regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed XXXX XXXX XXXX collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to XXXX XXXX XXXX and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months Equifax continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS.

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED.

I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. I REQUEST YOU DISCLOSE THE FOLLOWING IN WRITING.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10.  Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft Account Number : XXXX This is not mine. 

22. Identity Theft Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX IXXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation