BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: 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 how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-08-02
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern ; I have requested 2 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. I advised Lexis Nexis that any Automated Response or pacer and or matching up the last 4 of a consumer social security number for verification is Unacceptable. 

I also provided a copy of a letter From the US Bankruptcy Courts of Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

First letter sent to LexisNexis was XX/XX/XXXX. LexisNexis did not respond within the required 30 day window, when they did reply, they did not offer information my signature. They indicated that the report was sourced from the Courthouse information, Property records from the Courthouse. 

I mailed them again on XX/XX/XXXX indicating that they still not answer the request to present my signature. I also received a letter from the bankruptcy court indicating that they do not verify any information with Credit bureaus or LexisNexis. 

I received a response to my original letter ( dated XX/XX/XXXX ) which was dated XX/XX/XXXX. The response to the original letter still offered no proof of my signature bearing this Bankruptcy. Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

LexisNexis has failed to respond to the requested action in both the response window, and the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act 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 2022-08-19
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into XXXX during XXXX - 18 Months. at the end I was told to start my regular payments on XX/XX/2021. I resumed making Payments I am in the time frame of 18 months to now move into deferral and my mortgage company is dragging their feet not to mention is now reporting that I have not made payments to credit bureau which is false reporting. They have dropped my XXXX credit score to below 500 due to their incorrect reporting. I have called 3 times a week to check on the paperwork which has not been completed only to be told it takes 30-60 Days, meanwhile I have made every mortgage payment for the past year on time. They are destroying my Credit.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach 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 2022-10-27
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Me and my girlfriend were sending money back and forth basically I sent her two payments one for XXXX and another for XXXX and then I sent her a request for the XXXX back she had already sent me the XXXX by the time she received the request and then within 7 minutes she sent me {$450.00} so I should have had a total in my account of over {$900.00} except for the fact that the XXXX even though it shows that it's a completed transaction to my account it never went in my account I explained to cash app the only way they could see the transaction is if they went into the support part of the menu and from there they could see the transaction it wasn't in our regular activity log for some reason but once you go into support and report a payment issue it'll have you select what payment and then on that screen you could obviously see that the XXXX and the XXXX both were completed to my account but only the XXXX went into my account I've tried every day to talk to him by phone and work it out done Mobile support through the app every since the XXXX of XXXX not to mention countless emails to no avail which they do admit that the money is missing or my frustrations or Justified is that how they put it but they never credited my account with a provisional credit like they were supposed to they keep giving me reference numbers but when I call and give the reference number to the person or through the email or the chat basically those numbers don't do anything and we have to start everything all over every time I don't even know why they give those numbers out it's not like they're really attaching them to a case or anything like that it's just ridiculous how unprofessional cash-up support is I've been hung up on about six times cuz they get frustrated cuz they can't figure out where the money went and then they hang up on me or they tell me they can't provide any further information and then they make me start the dispute all over again and again and again I just want my XXXX back from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed two credit inquiries on my credit report in the past two weeks that I did not make. One, to XXXX XXXX on XX/XX/XXXX, resulted in a XXXX being sent to me. I contacted them and they cancelled it. They then recommended I contact this site. 

The other one, from XXXX XXXX XXXX XXXX XXXX XXXX, I have not yet contacted.

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 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with 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 2022-08-20
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
* XXXX was notified of maturing PNC heloc note on or about XX/XX/XXXX. I was unaware that the note was a 15 year vs 30 years. 
* I also received a Refi notice/option by mail from PNC a couple of days prior to the loan maturing email. 
* I contacted PNC Refi on XX/XX/XXXX, specifically noting the need to Refi the expiring loan. I provided the Refi CSR the maturing loan number that matured on XX/XX/XXXX. 
* Apparently no one from the Refi Dept alerted the Loan Dept of the ongoing application for refi, as I found that no payment was taken by auto draft on XX/XX/XXXX as expected. 
* I called the Loan Dept on XX/XX/XXXX and provided them with the information/CSRs involved in the refi, and requested how to handle the loan payments until the refi closed. 
* CSR noted I should make my " regular '' payment amount until the loan closed, and took my payment over the phone. 
* That was apparently not the exact protocol. These incorrect instruction provided by the CSR on XX/XX/XXXX have led to a complete fiasco ( as is my ongoing refi ), and subsequently caused PNC to report " late payments '', although all payment been made thru XX/XX/XXXX as instructed by a PNC representative. 
* Attached documents explain in detail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX, I contacted my bank, Chase, and placed a claim against the merchant, XXXX. Due to services not be fully rendered. At the time when I spoke to the representative I asked them if they needed any specific information from me and they stated " not at the time. '' I advised that the merchant did not provide me with the services for the duration required. I was provided with a refund in the amount of {$120.00}. I never received any calls, emails or letters concerning any information being requested or otherwise concerning my claim. On XXXX, I received a letter in the mail stating that I would be charged-back to my account on XXXX in the amount of {$120.00} because Chase receive information from the merchant concerning my claim being false. Please see the copy of the letter below. Base on the information that I was told, I was NEVER asked to provide any information concerning the claim. I never received any other letters, emails, statement, etc. I feel that this is completely unfair to me! I am a good customer and I don't purposely or intentionally cause any problems. But Chase bank and their representatives are not treating me fairly. I had to call over three different times on XXXX. I spoke with 5 different people their names were, XXXX, XXXX ; XXXX, Account Supervisor, XXXX, CSR, XXXX, Supervisor in CSR and XXXX, Ticket Submitter When I spoke with XXXX, she stated that it didn't matter what information I had in defense of what occurred with the merchant rather it is text messages, emails or whatever. She said, " the bank is NOT going to recognize it! ". I was hung up on by XXXX and spent 1 hour trying to get back to the executive office, just so I could encounter him again. And he said that he didn't talk to me or hang up on me and he did! I told him that they can pull the tapes! at the Executive office. He gave me a Ticket # XXXX. When asked how long it would take for someone to contact me he said he didnt know! He refused to allow me to speak with anyone that could possibly help me to get this situation rectified. Additionally, this problem has caused my account be be overdrawn! I had a credit card payment of {$10.00} that is currently sitting in a pending status but is most likely not going to be paid by Chase bank because of their horrible treatment of me and my account! I had money in my account to cover the credit card payment prior to the charge back. My previous balance was : {$38.00}. I want my balance of {$38.00} refunded to my account and I want my credit card payment of {$10.00} to be processed and now I will most likely receive a charge for returned payment which is in the amount of {$30.00} and up. I want Chase bank to pay that as well. In addition, I want them to issue me a letter of apology indicating that they caused my account to be overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, 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

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 2022-10-27
Company: EQUIFAX, INC.
State: FL
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 inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: SERVICEMAC, LLC
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: Account status incorrect

Complaint:
" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company ServiceMac on XX/XX/2021. ServiceMac provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per SERVICEMAC. XXXX made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
old info, act is aged 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 explanation