BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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 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 15 U.S. Code 1692c - Communication in connection with debt collection 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone tried to charge {$35.00} on my American Express credit card on XXXX/XXXX/2016. This same person has hacked into XXXX computers, changed my passwords and stalks me via computer and android cell phone. Places false website businesses about me using my email addresses which were hacked and are controlled by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: BB&T CORPORATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. 

I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
While using Quicken Loans to finance a second home I feel the terms of the loan were not fully disclosed to us. While at the title company closing on the loan we discovered we had not actually put down 20 % as we had wanted. Also Quicken gave us a loan with Lender Paid Mortgage Insurance without our knowledge. Due to a number of factors we did sign the paperwork for the mortgage. Quicken has admitted to us they did not disclose to the LPMI and say they will refund the bulk cost of it. However I am of the opinion our interest rate suffered due to the fact that we did not actually put 20 % down and had LPMI. We had the funds and wanted to put down 20 %, therefore I 'm not willing to pay a higher interest rate compounded over the life of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Recently, PNC bank overdrafted my account on a transaction that was {$12.00} over what I had in my account. I specifically set up an alert so I could get to my bank in time to deposit money in the account ; but did not receive the alert until XXXX the next morning ; by which time, they had already charged me a {$36.00} overdraft fee. They said that I should open a savings account with them to have overdraft protection. I explained that I choose to have a savings account at a credit union, which gives me a higher interest rate. How about they change their policies and decline the transactions ( including electronic payments as well as recurring payments ) that would cause me to overdraft? 

I 've had this issue with PNC before, and think how they treat their customers is outrageous. This is the last time I 'll ever be paying them an overdraft fee. Instead, I will open a bank account somewhere else to give my hard earned money too. This is the last time PNC gets it. They consistently XXXX me off with their undermining tactics to steal money from their clients. Why should I stay with a bank that will do so?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
To whom it may concern, I, ( XXXX Brown XXXX, Currently do not dispute my ( Navient Student Loans ) either as reported on my credit report or directly with the creditor. I request that the indication of a dispute and all comments in the comment section is removed from my report. I am trying to close on my home and need this done ASAP. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
After authenticating my identity over 10 times since XX/XX/2020 with LexisNexis, after waiting over 90 days for corrections to be made to my XXXX Report, Lexis Nexis wrote that it not able to authenticate my information which has been the same for many years. First LexisNexis wrote that I needed to contact the provider of the inaccurate information to have it removed but did not disclose the providers names. Then it wrote that LexisNexis does not make corrections to the XXXX Report. Now it writes that it can not authenticate my identity. LexisNexis took unauthenticated information from all the identity theft accounts and had no problem placing all that inaccurate information on my consumer report and XXXX Report which incorrectly lists XXXX pages of identity thieves as my relatives and/or associates on my report. Since no one signs anything and there is no accountability and with all their incompetence, I do not feel safe resubmitting my personal documents which I already submitted upon my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2015 I went to Ashley Furniture Home Store on XXXX XXXX and XXXX XXXX in XXXX, TX. I applied for {$410.00} in financing for the purchase of a dinette set. approximately XXXX weeks later I received an Ashley furniture credit card in the mail with a {$2500.00} limit. My complaint is that I did not apply for a credit card. At no point was I told that in applying for financing of only {$410.00} would a request for {$2500.00} of credit deceptively be submitted, therefore added to my credit report. I called and complained and was told there was nothing that could be done. I stated I would not be using and would destroy the card. I further demanded that the correct the amount of credit reported to the credit bureaus to accurately reflect the amount of financing I authorized. Is n't it deceptive business practice to apply for an amount greater than what the consumer requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have communicated XXXX with a XXXX XXXX XXXX at XXXX XXXX XXXX on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.

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 2021-12-10
Company: EMCC Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIANT FINANCIAL SVCS XXXX - I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This is my third complaint is about my XXXX XXXX XXXX Credit Card and Experian. I applied to XXXX XXXX on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I order my credit report on XX/XX/XXXX and i noticed they have removed 3 unauthorized inquiries on my XXXX but have yet to remove the other 3 unauthorized inquiries on Experian credit reports. 
Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: TN
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:
In XXXX of this year, I notified EQUIFAX, through Supervisor XXXX XXXX that the EQUIFAX CREDIT REPORT I RECEIVED HAD TWO, YES, TWO SOCIAL SECURITY NUMBERS!!!!! NO ONE HAS 2 SS # s ... He NEVER CORRECTED BECAUSE XXXX XXXX XXXX INITIALLY D E N I E D ME CREDIT BC I HAD 2 SOCIAL SECURITY NUMBERS ... ALSO A FRAUDULENT ADDRESS HAS S T I L L NOT BEEN TAKEN OFF ... MY ADDRESS WAS NEVER XXXX STILL XXXX XXXX, EQUIFAX SUPERVISOR, NEVER CORRECTS, NEVER RETURNS MY CALLS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am on the list of potential identity theft victims in the latest Equifax hack. I became aware of this through social media, and was not contacted by Equifax directly. They became aware of the incident on XXXX XXXX, and I just became aware on XXXX XXXX. There is absolutely no reason we should not have been made aware of this considerably sooner, as now I ( and many others ) have to go back and make sure that my account information has not been compromised and no illegitimate accounts have been opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
Some info is displayed more than once, same accounts appear after resolution.

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 2021-11-15
Company: Paypal Holdings, Inc
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I keep getting a statement from PAY PAL credit card weekly about the charges that I never used. I had submitted the report to PAY PAL for resolving these fraudulent statement but the charge is sill coming from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report from all three Bureaus : XXXX, XXXX, XXXX. I noticed that Waypoint Resource Group was  reporting negative on my report. I sent them a certified letter to verify the debt they claim that I owe to them in the amount of XXXX. 
we received a signed returned slip. slip was signed on XX/XX/XXXX and we have not yet received anything or heard from them, its been well over 30-45 days. After speaking to a representative at XXXX  he stated that this account looks to be re-aged. Dated this account back to XXXX of XXXX and now is being reported a open date of ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I have recently come across unauthorized information in my name being used on my credit report and I would like to file a dispute. This information is unauthorized and I never approved it to reflect on my credit reports. I strongly believe that I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my behalf on my credit reports and I urge that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft on my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. Please investigate these serious matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Massive data breach involving consumers personal credit information by Equifax!! Ridiculous and this needs to be addressed and a reckoning. I am dumbfounded how my personal information could be compromised by a large credit reporting agency and expect something to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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:
PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.

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 2018-07-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX information in my credit is not accurate, the balance of {$1000.00} is not mine. I never had this account. needs to be remove from my credit report asap and also XXXX XXXX is not my account .they showing a balance in my account of {$1500.00} please needs to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
WAS banking with since XX/XX/XXXX or so went out to get some food with my friends and my card declines. I go to my Chase mobile app to check my balance because I knew I wasnt even close to a negative balance and I see my account is locked. Its XXXX so COVID-19 hours are in affect. I call the number provided to me on the app and the agent tells me Chase is ending their relationship with me and is providing no explanation as to why. No illegal activity on my account, I collect UP just like the other thousands of unemployed Americans and my well-being is dependent on my account. Chase sent me no email, no warnings or correspondence in regards to my account being closed, so I couldve went weeks without knowing my account was closed. I feel like not only do I deserve to know why it was closed, I want my account back as well because I know nothing fraudulent has been going on, PLUS they also closed the accounts of my mother and my dad so were all out of luck. Count your days Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed the account. My Federal loans from XXXX were discharged due to lawsuit against XXXX  Colleges. I know longer owe that balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}

Company response to consumer: Closed with explanation