BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 writing to express my deep concern and frustration regarding the several presence of late open accounts on my credit report. I have recently discovered these inaccuracies and demand immediate action to correct this issue. 

Upon reviewing my credit report, I noticed that there are late open accounts listed, which are erroneous and not representative of my financial history. I believe this is a severe error that must be rectified as soon as possible. 

I request the following actions to be taken immediately : An immediate investigation of the late open accounts. 
Prompt correction of these inaccuracies from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I understand the importance of an accurate credit report, and these inaccuracies are affecting my financial well-being. They have the potential to harm my credit score and hinder my ability to access loans, credit cards, and other financial services. It is my right as a consumer to have a credit report that accurately reflects my financial history. 

I trust that you will treat this matter with the urgency and professionalism it deserves. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this issue. Please assist me to correct these late open accounts in myu credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 saw a hard inquiry on my credit report back in XXXX made by XXXX on my TransUnion and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take XXXX months for the inquiry to be removed by XXXX, XXXX, and TransUnion. I've recently removed the freeze from XXXX, TransUnion, and XXXX. The changes haven't been made and it's been 5 months.

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 2023-07-15
Company: SYNCHRONY FINANCIAL
State: MA
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:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

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 2021-07-24
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: In progress
Consumer complaint received 2023-07-15
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : Cain & Weiner- $ XXXX orignal creditor Progressive- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND XXXX XXXX this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Synchrony closed and re-opened another account under my name without the promotional purchase I've signed for. I now have a credit line opened without a promotional purchase but more importantly, a credit line with interest terms opened under my name that I did not sign for. This new, incorrect account has been opened for a year now since XX/XX/2022 and I have been billed interest since. I did not sign for these terms and the credit line needs to be voided.

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 monetary relief
Consumer complaint received 2023-05-18
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Just over one month ago ( around XX/XX/2023 ) I went to my local Citibank branch to inquire about obtaining a Debt Consolidation Loan. I had an existing DCL from Citibank acquired approximately two years earlier with just over {$10000.00} remaining. The loan officer submitted my data. Citibank underwriters came back with an offer of {$30000.00} ( note : in the total of my debts submitted were an existing car loan which Citibank does not do car loans, and two Citibank credit cards which Citibank would not cover their own credit card debts, but they seemed to here ). I declined the offer over concerns I would be unable to make the monthly payments. I asked if they could offer a smaller loan. Citibank 's reply was they could offer {$24000.00}, but no less. I accepted the offer. When the paperwork arrived I was listed to receive one check for {$4500.00}, and another check was to be made out to XXXX for {$9100.00} XXXX XXXXXXXX XXXX, a credit union handling my car loan ). This was not acceptable for me. I went back to the same Citibank and same loan officer. I showed her the paperwork, and explained this was not acceptable for me. She called the Citibank underwriters and we were assured over the phone three times that the loan money was to be made out in my name, not in part to XXXX. So, I signed the paperwork in the presence of the Citibank loan officer, and submitted the paperwork through the provided UPS envelope. Within a couple of days I received additional paperwork, and two checks, one made out to me and the other to XXXX as I had been assured it would not be. Repeated attempts on my part and that of the loan officer to get the {$9100.00} check to XXXX cancelled and issued to my name have failed. I informed Citibank numerous times I no longer wanted the loan. I have not cashed or deposited the check for {$4500.00} made out in my name, nor have I sent the check for {$9100.00} to XXXX. Today is XX/XX/2023. Today both checks are now 30 days old. On the checks it states " VOID AFTER 30 DAYS ''. Toward the beginning of this process, I was informed by Citibank underwriters that if I allow the checks to void the loan will be cancelled, and revert back to the previous {$10000.00} Citibank loan. No one at Citibank will now confirm this {$24000.00} loan will be cancelled. No one at Citibank will help me resolve this. I do not want this loan. I can't understand why Citibank would do this to a long to customer unless it is because they want the {$12000.00} finance charge no matter how much they are hurting me. Please help.

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 2023-10-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a XXXX payment of XXXX to a potential new landlord. He didnt sent the lease right after and kept hanging up on my when I tried calling him back. On the XXXX  day, I reached out and told him to refund my XXXX payment. I called pnc and told them I suspect fraud on this sender. They said they would investigate. I called them XXXX days later and they said since I willingly made the payment, its nothing they can do. I called the landlord and told him I filed a XXXX report and Im filing a claim in court. He then tried to send money on XXXX separate occasions. He sent XXXX. Each time Pnc rejected the payment. The first one I called pnc about it. They said he didnt sent it and hes probably canceling it. Then I went to the branch and the customer service rep said the same thing. She said I should meet him in person and get the money. He tried sending it again and pnc blocked it. The pnc customer service rep said it was being block on his end and to have him call his bank to unblock it. The third time he sent it and it was blocked, I called pnc again. They said since I file a complaint against him the first time, they permanently blocked him. I called and told him this and he said I need to get him unlocked. Pnc never did and I never received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft report # XXXX lists the following fraudulent accounts I found on my TransUnion consumer report : XXXXXXXX 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 2023-07-15
Company: Continental Finance Company, LLC
State: PA
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:
Going back well over a year with XXXX XXXX  credit card through XXXX XXXX XXXX someone ordered someone opened up numerous accounts and tried to pay my card off I've been trying literally for over a year without a card with multiple accounts open and someone trying to pay on it that certainly Bank I'm XXXX won't do anything I want this I want it resolve I even have a case number here that I that they keep giving me XXXX they keep giving me the same complaint number in case number what I want is you know my card back and all the charges taken off so I can start over or or {$20000.00} because this is this right here has caused me not to get a car loan and not to be able to move on with my life with with my house and mortgage and so forth

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 2023-07-16
Company: LD Holdings Group, LLC
State: LA
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:
Im writing to you about the missed payments on my LoanDepot mortgage account. I applied for a grant from : https : XXXX ( Louisiana Homeowner 's Assistance Fund administered by the " Louisiana XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX last year XXXX. I was awarded a grant for mortgage payment assistance for people affected by the past XXXX pandemic. The payments began in XX/XX/XXXX, sent electronically to the lender. ( 3 payments ) The grant program informed me through email, that additional money was available from Louisiana state, and I received additional payment assistance. 

Payments started up again around the end of XX/XX/XXXX, beginning of XX/XX/XXXX. Fast forward to XX/XX/XXXX, I checked my LoanDepot online mortgage account, it says past due. It shows the mortgage company actually sending back some of the grant money payments. I called XXXX XXXX XXXX  grant department, and they said they overpaid my mortgage by 3 payments ( {$2500.00} ) Because of a clerical error by the The Louisiana Homeowner Assistance Fund grant program, my account was made past due, without my knowledge, until after the fact. It has also negatively impacted my credit reports and future livelihood. I also had to be hospitalized for a short period of time the week of XX/XX/XXXX. 

Im asking for my credit report profile to be fixed with the credit bureaus and negative items removed. And Im asking for the mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be put to the back of my mortgage loan. I can resume regular payments as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XX/XX/XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}

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 explanation
Consumer complaint received 2023-11-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As an active military member, I have been associated with Navy Federal Credit Union for some time now, maintaining multiple accounts with them. Recently, I approached them regarding a concern I had about the interest rates on all my current and previous accounts, and whether they could align them with the provisions outlined in the SCRA ( Servicemembers Civil Relief Act ). Although I am aware that my debt was incurred after my active duty commencement, I find myself burdened with exorbitant interest rates that seem unfair. Hence, I kindly requested Navy Federal Credit Union to consider adjusting my interest rate in accordance with the legal requirements stated in the SCRA.

Company response to consumer: In progress
Consumer complaint received 2023-05-06
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:
I am interested in processing disputes on my credit report with transunion alot of data is inaccurate an interested in removing all information In the files asap. please review an delete all items shown to help my file asap.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Human Trafficking and I mailed all my documentation to all three credit reporting agencies. Each agency has received my information. Ive attached proof below. Experian and XXXX has not blocked the information in 4 days per FCRA Title 15 U.S. Code 1681c3 - Adverse information in cases of trafficking.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The stress and disappointment I'm experiencing due to the developments in my credit report are overwhelming.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
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: In progress
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX, I sent a request to Experian to cancel my account. On XX/XX/XXXX, I received an email acknowledging that my account with Experian had been cancelled. My credit card was then charged for {$21.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then locked my card so that it could not be charged inXX/XX/XXXX. I keep receiving emails from the card issuer telling me that my 'purchase from Experian for {$21.00} could not be completed '. I have since sent XXXX emails telling them to stop trying to charge me for a cancelled account.

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 monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've stated multiple times now that I've been a victim of XXXX XXXX. You must remove/block any items opened without my knowledge, consent, or authority within XXXX business days by providing ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an XXXX XXXX report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX

Company response to consumer: In progress