BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent the letter on XX/XX/2023, letter the reason why I sent this letter Experian said everything was complete and accurate on my credit report. Here is my certified tracking # ( XXXX XXXX XXXX XXXX XXXX XXXX ). The reason why I sent this letter is because Experian said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within 15 days according to the law. And I haven't received anything, and it's been over 20 days. This is very frustrating, disappointing, and stressful!

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 2023-11-05
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to withdraw {$400.00} from and atm and the funds were not dispensed. The receipt that came out of the machine shows funds dispersed but I did not receive anything. Called chime and they stated that the transaction was pending and to allow it time to see if the transaction is going to settle or cancel out. The business owner also tried contacting the atm phone number and stated that the number was not working. Im now stuck with limited funds for the week and I have to pay for things on credit due to this transaction not successfully processing. This is a nightmare and I feel like Ive just lost {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with XXXX XXXX a product of First National Bank of Omaha, in XXXX XXXX  I few days later I tried to update the email address and telephone number for the account, but was informed that this could not be done because the account was too new. I was also informed that my account was now *restricted* due to suspected fraud and that the bank 's fraud department would reach out to me to resolve the problem and remove the restriction. 
I never heard back from the bank. I have contacted them again repeatedly to request that the restricted status be removed to allow me to access my funds and update my contact information. Unfortunately XXXXXXXX XXXX  does not allow customers to contact them by phone, but only via " chat '' within their smartphone app and via email. However, my " chat '' messages are not answered and the email address provided for customers to use to contact the bank is invalid : when I send messages I receive an error message. I need access to my funds, which have been frozen since XX/XX/, and my attempts to contact someone at the bank to fix the problem have been unsuccessful.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Upstart : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: LAKEVIEW LOAN SERVICING, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Back in XXXX of XXXX my wife and I got XXXX XXXX XXXX XXXX XXXX. We were out of work for a long time. We got a XXXX forbearance. Then after that, in XXXX of XXXX we received a VA XXXX modification. It brought our 5.25 % interest rate up to a 6 %, it extended the life of our loan, it tacked on the amount that was accumulated from the XXXX forbearance to the back end of our loan, and it brought our monthly payment of {$1700.00} to {$1400.00}. We signed the contract and XXXX XXXX XXXX confirmed they received it and there was nothing else for us to do. We got transferred to Lakeview LoanCare in XX/XX/XXXX and now they are saying XXXX XXXX never signed the contract and we are being referred to foreclosure. Weve paid {$1400.00} every month on time since XXXX. Every time ive called XXXX, they say they need time to process the paperwork and that im protected and wont go into foreclosure. We have XXXX XXXX children, we cant afford to be homeless. XXXX has confirmed multiple times that theyve received the VA Loan Modification paperwork and that they escalated the claim but nothing ever comes out of it. Then XXXX said XXXX XXXX never signed the VA Loan Modification. Which isnt my fault. We followed up and did everything to ensure it was all okay. I call every month multiple times and I get the same answer. Then I got something in the mail that stated if we didnt pay {$950.00} more on top of our normal payment within 10 days, our house would go into foreclosure. I am so frustrated.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2020-07-29
Company: SYNCHRONY FINANCIAL
State: VA
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:
A Synchrony Bank Pay Pal Credit Account was opened on XX/XX/2020 and was immediately used for cash advances in the amount of {$3600.00}. In investigating how such account can be opened the only requirements are date of birth, your income after taxes, the last 4 digits of your social security number, and agree to Terms and Conditions. ( https : /XXXX  ) I learned about this account when my credit report was run in XX/XX/2020 showing delinquent payments. I have contacted Synchrony Bank and during my first call they could not tell me what purchases were made or any details for why I owed them money. They did not have my current address ( an address I have been in for 2.5 years ) so I had to give that to them in order for them to send me the notification of a Fraud Investigation, which I did receive within the 10 days they told me it would arrive. However, when it arrived it became apparent that they did not even have my correct name on file. Therefore, Synchrony Bank did not do any due diligence to protect my rights as a consumer since they allow someone to open lines of credit with a bare minimum of information. At this point in time, Synchrony Bank has done more to protect the people that have stolen my credit than they have done to protect me. They could not even give me the address that was used to open the line of 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: National Credit Systems,Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : National Credit Systems Account Date : XX/XX/ You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-30
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company did NOT honor my request for removal. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

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 2023-12-05
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My personal checking account with Ally Bank has been active with no issues for the past 1-2 years. The account is typically used for online purchases and bill pay. I recently started a business and was seeking funding from a XXXXXXXX XXXX since I was nearly out of money to keep working on the business. After making a deal with the XXXX we signed the contract and they deposited $ XXXX XXXX to my Ally Bank checking account. Ally Bank then froze my account and their customer service could not answer questions because the fraud department only worked during banking hours. I called and spoke with the fraud department many times requesting information on why my account was frozen. I eventually was told that " maybe '' it was because they wondered what the company name listed on the wire transfer was ( it was the name of the company I'm starting ). I asked them for an email address to send documentation and then sent all company documentation and agreement with the XXXX, to XXXX. I never heard back and the fraud department still says someone will contact me. I have a business checking account that I need to transfer these funds into ( and I have bills that need to be paid with my existing balance in the account ). In the meantime, the XXXX is upset with me because the cloud services are getting shut down or throttled due to non-payment and I am unable to keep working. Ally still refuses to provide any information or guidance on how much longer they must keep my funds.

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 2023-11-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Late Payment for XXXX XXXX XXXX  Account number XXXX was as an direct result of XXXX. I asked for the company to remove the late payments and to mark the accounts as Paid As Agreed. It is not fair that I or anyone would have to wait over 7 years to have late payment removed especially when the late payments was as a result of an disaster. My financial obligations to this account is up to date and should reflect that all payments was received. However, that is not the case and I am respectfully requesting that the accounts be marked as Paid As Agreed.

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 2023-12-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This issue its already been for 3 months already and my feet got injury and someone harassing me by calling me everyday even I block his number ; bank doesnt help me to let me us my own belongs without telling me anything. I dont understand no one tell me anything about what happened, and they play metal games, I receive so many suspicious mails and I dont know which one is the real which one is not ; who is the real agent and who is the fake. I may going end up in mental health, I dont even know what did I do, I just told the person to stop and he just threatening me and show the XXXX in his profile picture and he keep calling me and never stop, I dont know why he is still here bothering me since I report long time ago. I dont know why being discriminated about what I had been report but never get responds and I dont know why I have to take the mental and physical abuse, and stop me to work and I cant use my saving. Thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: PENTAGON FEDERAL CREDIT UNION
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:
PENTAGON FEDERAL CREDIT UNION Fraudulent contract via Account # XXXX ( From XXXX ) Balance as of XX/XX/XXXX - {$12000.00} The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS VIOLATION : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ).

Constructive Fraud, as well as actual fraud, maybe the bases of cancellation of an instrument. ( El Paso Natural Gas Co. v Kysar Insurance Co., 605 Pacific 2d. 240 ( 1979 ) ).

A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ) - Federal Reserve Notes/Paper Money.

A debt is not paid by the giving of a note ( Nolan Co. v Maryland Causality, 38f. Supp. 479 ) Additional Violations : 15 U.S. Code 1692d ( 1 ) - For destroying my reputation.

18 U.S. Code 112 - Threatening/ attacking the liberty of an internationally protected person/ XXXX XXXX XXXX XXXX XXXX  ( 8 USC 1101 ( 21 ) ).

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 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation