BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On several occasions this year, I have sought to lift the temporary freeze on my account, encountering persistent challenges stemming from inaccuracies within Equifax 's records. Despite my repeated efforts, these impediments persist each time I attempt to unfreeze my report, resulting in multiple instances of denied credit. The adverse effects of these issues have notably impacted my applications with XXXX XXXX XXXX, and XXXX XXXX XXXX 

In my most recent interaction with Equifax on Wednesday, XXXX, I encountered anticipated challenges. I had lifted the freeze on my credit online to facilitate a phone service check for XXXX, scheduled for installation this week. However, despite my efforts, they continued to assert that the credit freeze persisted. In response, I contacted Equifax to investigate the matter, only to be informed that a system-triggered measure required me to submit my ID and social security card by mail to remove the freeze. 

Seeking resolution, I escalated the matter to a supervisor, who communicated that the freeze would persist until I submitted the necessary documentation to verify my identity. In response, I asserted that I had initiated the freeze and, therefore, Equifax had no right to maintain it, impeding my ability to access credit. 

Regrettably, this situation has resulted in yet another missed opportunity in my credit application. It is crucial that Equifax be held accountable for the profound impact these recurring issues have on individuals ' financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX XXXX XXXX 
All support documents and my photo ID is 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not initiate these Accounts 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 2023-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several disputes to all 3 major credit reporting bureaus ( XXXX/Equifax/XXXX ) in regards to this XXXXXXXX XXXX XXXX account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the 3 bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, Equifax is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! Equifax is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Equifax is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
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:
Dear Sir/Maam : I am writing to dispute the following information in my file : XXXX XXXX XXXX XXXX, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and XXXX XXXX  I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you XXXX had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a XXXX late in XX/XX/2021 for a missed payment that both companies stated was not due because of XXXX. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to XXXX XXXX, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly feel taken as advantage of. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been spoken very rudely to by XXXX XXXX on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.

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 2023-10-17
Company: PNC Bank N.A.
State: NJ
Product: Credit 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:
This has been going on for years. I have started questioning in the last 5 years. At one point one of these people took {$1000.00} from my checking account. I think I have my bill paid and suddenly Im paying at the end of the month for something I paid for in the almost the middle of the month. And when I call them on it they say a company I purchased from can take 3 days or 30 days to submit the purchase to them ( the credit card company. ) and they cant tell me what was purchased only that a purchase was made on a certain date. So I have to trust the process like the process cant be corrupted or abused or mismanaged! XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: Monterey Financial Services LLC
State: AL
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 attended a XXXX XXXX XXXX XXXX XXXX XXXX and received a loan through Monterey Financial. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
We held a credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX going back to XXXX. We moved to XXXX in XXXX, but kept our XXXX bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX Bank and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

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: PNC Bank N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed up a PNC Credit Card account on XX/XX/XXXX  and paid in full. But PNC bank kept on Charging a monthly fees of {$100.00} from XXXX XX/XX/XXXX  till XX/XX/. I realized it in XXXX. I called and complained. PNC told me that they send out a check to my old address, but I didn't receive the check. I visited the PNC location and updated my address but nothing happened. I receive a call from XXXX : phone # XXXX and XXXX XXXX and spoke to XXXX, She gave me a case # XXXX. and she said someone will call you back.. It kept me dragging along and taking me in a circle.. Every time I visit the PNC Location and I call them.. and no one does anything ... PNC Bank dragged me on for 2 years...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2023 I went into XXXX XXXX in XXXX to purchase a car. 
My XXXX XXXX with both XXXX and XXXX is XXXX - XXXX. I was told by car salesman, XXXX that my score was XXXX. I believed that a XXXX invoice may have contributed to the XXXX score. As a result, the finance charge was HUGE. 
When came home, I realized they had used an outdated credit score from Experian which offered the XXXX score. The next day after reviewing my XXXX and XXXX scores, I requested they re-do the finance part with the updated credit scores XXXX or XXXX but they refused. 
It is my contention XXXX XXXX obtained finance through fraud. They have means to manipulate credit scores through a company called XXXX in their office. I am a senior and I believe I have been taken advantage of. An {$8000.00} car became an {$18000.00} debt. This outlandish. 
They secured financing through XXXX XXXX based on outdated information.

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 2023-03-31
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: Information belongs to someone else

Complaint:
On XX/XX/2023 The Credit bureaus stated Account XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: NV
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. 

XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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 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 2019-02-13
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
I received a MasterCard gift card over a year ago, but didnt try to activate it until XX/XX/2019. To activate it, I had to visit XXXXXXXXowned by US Bank, the company that sells these cards. When I entered the account number and the 3-digit number on the back, I discovered it had already been activated by someone named XXXX XXXX, who made two XXXX purchases using my card number. The cards value was originally {$200.00}, and the XXXX purchases totaled about {$180.00}. There was {$8.00} in service fees, so the current balance is {$5.00}. The card was in my possession when XXXX XXXX activated it and made the purchases. 

I called the customer service number on the back of the card the next day, and spoke with XXXX about the fraudulent purchases. She said the only way I could report the fraud was to send a fax. She gave me the fax number, and I faxed my complaint. A representative called me back and left the original customer service number that I called. When I called back, I spoke with XXXX this time, and she told me to send the fax again. I told her that was ridiculous and wanted to speak with someone in the fraud dept. She told me the only way I could contact them was through faxno email or phone number. I sent another fax and this time, I didn't get a call back, so I called the customer service number again. When I entered my account number, an automated message said " this account has been closed '' and hung up on me. At this point, there's no way for me to even contact the company. 

I believe the fraudulent purchases were made by an employee of the company, since it was in my possession the whole time. I think that's why the company has given me the run around.

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 2022-07-05
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I placed an online order with Home Depot in the amount of {$110.00} ( the total purchase was {$160.00}, I used a {$50.00} gift card to reduce the amount to {$110.00} ) to be shipped to the local HD store. When I got the confirmation email, it showed that the item was being shipped to the wrong store ( one far away from where I live ). I called immediately to fix it and I was told the only thing I can do is cancel and then redo the order, which I did. A week later I picked up my item. 

My problem is they never refunded the order I cancelled. I called their credit department and they confirmed the charge was still there. I was told I need to speak with the website people to resolve it. The website people told me I need to go into the store to resolve it. When I went into the store, the people told me I need to call customer service. Then I was told the issue has been resolved and the charge should come off my account within the next 3-4 days. That was over 2 weeks ago. 

I have since spent over 4 hours on the phone with HD Online, HD Credit and HD customer service workers that are unable or unwilling to refund the fraudulent charge. Most recently I was told I can open a complaint and that it would be reviewed in 6 weeks. That is unacceptable to me. 

The original purchase was made on XX/XX/2022. The order was cancelled on XX/XX/2022. As of XX/XX/2022 the charge remains on my card and despite over 6 hours of time invested into this I have made 0 progress with anyone at Home Depot in regards to a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief