BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 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 non-monetary relief
Consumer complaint received 2020-08-05
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: Was not notified of investigation status or results

Complaint:
Hopefully this complaint isn't overkill. 

With XXXXovid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, XXXX, and Trans Union. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.

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 2023-09-07
Company: Experian Information Solutions 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:
This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXX XXXX  would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXX on XXXX, Experian, & 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 2023-08-18
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-02-06
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
This company has reported two late payments on my account that were caused by their own application malfunction. For weeks I havent been able to connect my bank account to their system via their app because of an error message that I continually received. Then at some points I couldnt even access the app at all, it would just glitch over and over ( see attached ) Once I finally was able to connect it to make payment it was marked as late. I paid it all off and still cant use the app to this day. They have refused to remove the late payments even though it was not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: NC
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:
If I disputed accounts on my credit report and all the accounts came back verified by Experian ; Experian should by law disclose who verified the accounts. Anyone can look up a company address and XXXX number this is not classified as verification its public information ; this is my third attempt to get verification. I XXXX XXXX sent a dispute letter to Experian in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Experian report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification 15USC 1681i. Experian has failed to send me names of persons who verified accounts. Rather Experian has asked me the consumer to follow up with furnishers instead of Experian showing proof of each person who verified the accounts I disputed. In my dispute results I was never asked why I was disputing each account, yet Experian verified all the accounts as accurate and when I asked for proof of the person that verified the account, Experian is giving me the run around showing proof. If these accounts were properly investigated Experian should be able to produce who verified each account, they are reporting as accurate.

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 2018-04-07
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Organizations that want to do business with the U.S. federal government, and their state and local agents, such as XXXX XXXX Community Development, must have a System for Award Management ( SAM ) number to apply for federal grants and/or contracts. Although acquiring a SAM number is free, the application process can be cumbersome. In addition to a taxpayer identification name and number, XXXX XXXX XXXX number, and IRS review, organizations must have a bank account and routing number. 

Last XX/XX/XXXX, I was completing a SAM application for XXXX XXXX, the community development arm of Metropolitan XXXX XXXX XXXX XXXX XXXX XXXX, when I decided to search low-cost offers for small business banking. When I checked online, PNC, which has a branch less than a mile away, popped up. 

Great news, I thought. The ad read : Earn up to {$300.00} [ 1 ]  when you open a qualifying PNC business checking account by XX/XX/18. Then I read the smaller print. Is your business located in zip code XXXX? If not, tell us the zip code where your business is located and well connect you with the offer available in your area : In the box below, I entered the XXXX and pressed Go to Offer. What message did I receive? Your business is located outside of PNCs servicing area. There are no offers available. '' An invitation for businesses in XXXX generated the same response when XXXX was identified as the location.The explanation in footnote [ 1 ] : Offer only available in select PNC Bank branch locations and only to businesses with an annual revenue less than {$5.00} million. 

" Outside the banks service area. '' What does that mean? What small businesses meet PNC 's criteria better than those in XXXX and XXXX? Both zip codes are in the heart of XXXX XXXX, and are populated with small businesses. Incidently, they are among the most racially and ethnically diverse areas in the city. 

Do households in XXXX and XXXX have sufficient incomes for PNC to accept deposits, but not sufficient not enough to do business with them? Not enough to ease the way for them to apply for federal grants and contracts? If PNC were the only bank in town, where would small businesses in those zip codes get bank accounts? 

Offended, I decided not to seek answers to those questions, but to do business elsewhere. Thank goodness for good and honest and community banking. Where PNC drew a red line, XXXX Bank rolled out the red carpet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
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 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 explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX reported inaccurate information on my credit file and shared it with TransUnion and XXXX. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to TransUnion and XXXX remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Decreased u fair fico points . Requested increased fico score back

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 2023-11-11
Company: AMERICAN HONDA FINANCE CORP
State: HI
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 have not Supplied proof under the doctrine of Estoppel by Silence Engelhardt V. Gravens ( mo ) 281SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: PA
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 not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC.

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 2023-02-06
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
This company has reported two late payments on my account that were caused by their own application malfunction. For weeks I havent been able to connect my bank account to their system via their app because of an error message that I continually received. Then at some points I couldnt even access the app at all, it would just glitch over and over ( see attached ) Once I finally was able to connect it to make payment it was marked as late. I paid it all off and still cant use the app to this day. They have refused to remove the late payments even though it was not my fault

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 2022-11-30
Company: EQUIFAX, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by Wells Fargo. XXXX reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, Wells Fargo claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - Wells Fargo claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that Wells Fargo has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: GOLDMAN SACHS BANK USA
State: CA
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:
XX/XX/2023 My account has been locked and Apple or Goldman Sacs has not provided a reasons why. 
I requested the reason after contacting support. They requested that I change my password and I did so. After this they claimed someone will contact me within 2 hours to resolve and no one has contacted me. Meanwhile my account remains locked, and I have not been provided any information related to the details of why it is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Equifax. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Equifax consumer file. All information in pursuant to the FCRA section 609 should be mailed to 12101 XXXX XXXX XXXX  XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX. 
Account Name XXXX  XXXX. 
Account Name XXXX XXXX . 
Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Student original loan amount without interest was less than {$46000.00} at the end of XXXX. Mohela in taking over as the servicer of the loan is now using the principal loan and the interest added to the principal prior to COVID and now is adding additional interest to their new principal amounts which include the principal amount is {$46000.00}, interest payments, does not include any payments made to XXXX or to XXXX XXXX. This letter received by your agency has not been received by me. Its interesting that Mohela only states what is correct. The totals for original loan amounts is not correct and my knowledge of loans is that principal amounts of a loan can not be changed once signatures are made unless both parties agreed to it. Mohela has taken that right from me and is being allowed to charge whatever and how much they want to. Right now it is my perception that the dispute with Mohela is not being taken seriously and that because my race is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and can not afford to challenge Mohela in a court of law, that I need to accept this erroneous information and get over it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-04-11
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: Account status incorrect

Complaint:
there are late payments reported by XXXX XXXX XXXX XXXX XXXX  during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXX Remove all adverse information reported during covid 19 pandemic.

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 2019-05-30
Company: EQUIFAX, INC.
State: GA
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:
DID SOME ONLINE SHOPPING ON A FRIENDS COMPUTER THAT GOT HACKED.

Company response to consumer: Closed with explanation