BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: AR
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 previously sent letters to Experian, XXXX, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct. 

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. 

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. 

I have also attached the information as it appears on my consumer report. 

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: CO
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:
This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. 

XXXX has sent me a statement validating the account was never past due. 

Experian is showing this account was 30 days late as of XXXX of 2021. 

The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.

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 2023-11-09
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to make my first payment on my student loans three times to edFinancial. Twice from my checking account, and twice from my savings account. All 3 times it would show that my payment was made, nothing would show in my bank account, and then days later it would say " payment reversed ''. I called XXXX, waited XXXX hours, and they told me that I put my number in wrong probably, which isnt possible as I was copy and pasting directly from bank website and did this three times. They then told me to call bank as theyre the ones rejecting the payments and im going to lock my account if I keep trying. Called the bank, and they had ZERO record of me ever trying to make any payments. Still unable to make payments. Even found a XXXX chain where hundreds of people are experiencing the same issue. See below : https : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-14
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The company XXXX XXXX XXXX keeps charging my XXXX year old mothers bank account auto debit. They are not authorized and we have tried numerous attempts to get them to stop. PNC bank will only do a stop payment for six months. The company often changes its name and dollar amount charged and it goes through again as a monthly auto withdrawal. This has occurred multiple times after requesting a stop payment with PNC. PNC will not allow me to disable auto withdrawal. We would only like to use this account for deposits and writing checks. PNC will not help us. When contacting the XXXX XXXX company there is no live human only a recording that you must leave a message and they do not call you back. I have written to the email address they have provided as well as the XXXX XXXX XXXX to no avail. PNC has tried to find out where our payments are being send. They are routed to XXXX XXXX XXXX XXXX XXXX who then says they are routed to another vendor. It is very frustrating. There was never a written agreement by my mother or myself which is required by law stating that these charges are to be allowed on our mutual checking account. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
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.

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 non-monetary relief
Consumer complaint received 2020-09-30
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - SEARS/CBNA # 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 2022-08-18
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 at around XXXX XXXX EST, so I was notified by Discover Bank that there was fraudulent activity on my bank accounts with them and that my accounts were suspended and to call to get straightened out. I called and was told that there was no fraudulent activity but that they decided to close my account due to a business decision made by the bank. My accounts are now locked and frozen and they are refusing to send my funds to me, holding for 60 days, so have left me penniless. They are refusing to tell me why they made this decision as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-18
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: Their investigation did not fix an error on your report

Complaint:
I'm currently having an issue with XXXX, Experian and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-XXXX  XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX  ACCT NO XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.

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 2018-09-27
Company: ALLY FINANCIAL INC.
State: OH
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 lot of hard inquiries that I didn't give permission

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 2020-09-30
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC Bank advised us that they would refinance our loan at 3.3 % thirty year fixed and if we invest $ XXXX with them, they will do a discount of XXXX points and XXXX points for {$1.00} XXXX. We provided them our records and sources of investment and met with their investment group. After listening to them, we decided that we would be open to $ XXXX investment, and if we like their performance we can do more later. After we informed them, they came back and said they will not do the loan and it should be XXXX {$1.00} XXXX investment. 

After telling them, that they did a bait and switch, they asked a manager and he said to not complain with regulators and instead will provide $ XXXX of credit on one property and $ XXXX on second to make up for our experience. We provided them all of our information in XXXX ( two 401K, IRA, multiple properties, savings with enough cash to carry us three years even without a job, far above minimum ). Subsequent to that no responses received again on loan status. After complaining that it has been nearly a month and half we started again sending them my bonuses, pay stubs, investments and stocks, insurance, mortgages. They asked my HR to provide them records of bonuses and stubs showing bonuses, which we did comprehensively. We provided them copies of three years of taxes. Still two months later and nothing. Then they asked for same items again for third time and put a long list of items through a macro-based file to my HR who stated that they have never seen anything like this, it can have cyber security issues to open these files, and finally beyond confirming employment bonus rates, they can't fill out some 15-20 questions that are beyond basic question of bonus structure and salary an confirmation of employment. The bank has refused to fund our loan, refund charges for credit and appraisal. They never intended to do this loan and has dragged us for nearly four months now. If they had any issue with my income they should have asked for that before dragging us this long, asking for appraisals and keep blaming COVID. Why ask for same information three times and never act on it, the answer is the bait and switch. They wanted our investment and never intended to fund this loan. Their conduct is fraudulent, in bad faith. Let me state that I emailed them with this narrative, they confirmed that this bait and switch indeed happen and they were sorry. This is all in writing from their mortgage rep and his Vice president copied. 4-5 months is beyond good faith business practice. I asked them for refund twice and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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 2022-08-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm currently having an issue with XXXX, XXXX and Equifax reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX ACCT NO XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
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:
Recently checked my credit report with XXXX XXXX Noticed that chase bank had pulled my credit as a hard inquiry on both XX/XX/XXXX and XX/XX/XXXX. I have never applied or submitted or allowed chase to pull my credit and never have I had an account with Chase Bank. Called chase and they could not find my information but it currently shows on my credi Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Santander Consumer USA Holdings Inc.
State: UT
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:
1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-04-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other wrong names and addresses should be deleted

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
dear sirs, submitted id theft report, ftc report # XXXX, police incident report and transunion, XXXX continue to report on my credit file about a bankruptcy.i never filed for a bankruptcy and a bankruptcy is showing up as public record in my credit file. 
please indicate to transunion and XXXX that they are reporting incorrect information in my credit file.I already sent them documents attached and still they continue to report incorrect information about public record, bankruptcy.

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