BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-05
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:
Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE 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

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 2023-06-23
Company: Exeter Finance Corp.
State: TX
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:
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: PNC Bank N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of this year we paid a vehicle off, our XXXX  XXXX XXXX XXXX. PNC BANK is who the financing was through. 

There were 4 years of XXXX monthly payments to PNC bank, that were never late. Not one piece of this loan or payments were ever reported to any of the credit bureaus. We found this out when we tried getting a new truck loan and was told we didn't have any credit established ( this was through my business tax ID number ). We are now paying a much higher interest rate for a business vehicle loan due to this issue. I started with calls to my banks XXXX numbers and calls to the local branch. Finally one of the branch managers from a local branch escalated my issue to a retail service representative. This person called me once, I returned his call, and we spoke about my issue. He said he could see the issue and all of the communication I have had with the bank about the issue. He was to call me back 4 weeks ago now almost. I have made multiple calls to him, leaving messages each time, and he has not returned my calls. I've exhausted every effort to get someone at PNC to handle this problem and correct it and have resulted to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX XXXX ) credit report. My latest credit report shows ( 15 ) credit inquiries that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: PNC Bank N.A.
State: GA
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:
On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. XXXX  XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. PNC BANK-XXXX ). On the same date, and I never authorize any of these company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about 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 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. 

I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature. 

If you are unable to meet my request, please remove all 3 inquiries attached. I am allowing 15 days for all items attached to be removed.

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 2023-06-24
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I have medical inurance with a XXXX $ copay. I have had this insurance since birth and continue to pay into it today. The XXXX $ is absolutely ridiculous considering it should only be 5 . I have XXXX XXXX XXXX XXXX XXXX and im willing to provide any information needed to dispute this.

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 2023-06-25
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had this issue back in 2021. I thought the issue was fixed but it wasnt. One month my balance was {$1100.00} and I made a payment of {$200.00}. The following month I still owed {$1100.00} dollars. 
I told them they continued to be corrupt and they still did nothing about. They have ruined my credit and have been harassing me. Theres over 100 Voicemails. And 1 letter.

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

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX Information XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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

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 2023-06-22
Company: CITIBANK, N.A.
State: IL
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:
E-mail phishing scam on XXXX from supposedly XXXX XXXX XXXX for XXXX XXXX XXXX membership of {$340.00}. 
Contacted Best Buy and they indicated that it is a phishing scam. Recommended to report incident. I am watching credit card for any bogus charges.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint to Transunion for allowing these fraudulent activities on my file. These accounts just suddenly appeared on my credit file. I have no knowledge of these accounts and never heard of the original creditors. I did not receive a dunning letter nor any attempt to contact me which is required by law to do. This is so stressful and I need your help in resolving these. In the meantime, It is an urgent matter. Could you kindly block these fraudulent accounts under the Fair Credit Reporting Act section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-04-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is additional information regarding complaint XXXX. Please see attached emails received on XX/XX/ indicating that all of my accounts are now active and in good standing and that my ability to transfer funds into and out of Synchrony has been reactivated. Although one might think this is good news, I still can not access my account online as you can see from the attached screenshot. When I call Synchrony with my daughter to resolve the issue, Synchrony provides no information on why I am locked out of my account and will not unlock the account. Moreover, Synchrony will not proactively provide information, saying only that we should call again in three days. And during this time, I no access to any of the significant sum in funds that I currently have on deposit with Synchrony - even after Synchrony has stated in writing that all of the accounts are in good standing. In addition to all of this, Synchrony will not return the funds transfer initiated from XXXX XXXX Bank even though Synchrony did not accept the transfer stating in the attached email that I must contact XXXX XXXX Bank to ask them to request the funds. It has now been a full week and still, left and right, Synchrony is blocking and interfering with my access to her own funds without explanation or recourse. This can not be tolerated.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-10-06
Company: EQUIFAX, INC.
State: NV
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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