BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
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: Account status incorrect

Complaint:
Equifax ; XXXX XXXX XXXX should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old. Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 2022-11-26
Company: Experian Information Solutions Inc.
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: 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. 

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 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 2022-09-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They order the value of my house so I can remove my pmi and and my value of house came up so high but they did t remove the pmi then I tak to them but they not listening me Im request to u so u guys help me to remove my pmi.

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 2022-09-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX and Equifax dropped my credit XXXX  points from a XXXX to a XXXX after I specifically reported a fraud happening on my account!! I pay my credit on time and even tried disputing this matter! XXXX then only lifted my score up to XXXX and Equifax is still XXXX I pay my card on time and was subjected to fraud the beginning of this year. I never requested for a card to be sent out for the authorized user on my account and the card was sent out to an address I no longer live at which resulted in it being stolen out the mail box and charged up {$500.00} Please give me a call for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have attempted on 3 occasions to have Equifax and the debt collection agency to accurately report the account information. My chapter XXXX bankruptcy was discharged on XX/XX/XXXX and I have two collection accounts still reporting as open with a balance. This creditor was included in the bankruptcy filing, however they did not file a claim. I have sent a letter to collection agency requesting that they report it as closed/charged off and two disputes with Equifax to correct the error. After my first dispute filed on XX/XX/XXXX, completed on XX/XX/XXXX the account was corrected to a {$0.00} balance but still reporting as open. I filed another dispute on XX/XX/XXXX and shows it was completed the same day, now the accounts show the balance again and are still reporting as open. These same accounts have been reported as open with a balance since my bankruptcy plan was confirmed in XXXX of XXXX. The collection agency reports every month so that it refreshes the timer, essentially so they can damage my report for more than 7 years. These accounts are no longer able to be collected. While they do not contact me in an attempt to collect the debt, the inaccurate reporting is hindering my ability to effectively rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient states it is charging me for unpaid student loan. However the attached proves at of XXXX the claim of {$3800.00} was paid in the amount of {$3800.00}. 

Servicers have provided fraudulant accounting attached. It allocates payment of interest, thus leaving a balance. 

Servicer states : Any amount not paid by the trustee under the proof of claim will remain due.

XXXX would then be due. I am then due a refund for last years mistake payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent XXXX  and transunion a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX.1st letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.

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 2018-10-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Open credit card accounts : XXXX XXXXXXXX XXXX XXXX Reported XX/XX/2018 Balance : {$380.00} / {$300.00} XXXX/XXXX Reported XX/XX/2018 Balance : {$590.00} / {$500.00} " Identity Theft Victim / Equifax Data Breach '' I never authorized ( authorization ) too pull / view my credit report too open accounts!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 Bank of America transferred funds without the consent of the account holders to cover an overdraft on an account that has been opted out of overdraft protection. I have spent hours being bounced around to 5 different people at different departments all saying someone else would return the money only for another agent to tell me that they're allowed to take money from any account and will not stop the transaction in spite of the account not being allowed to make overdraft transactions and being opted out of 'overdraft protection '.

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 2022-09-17
Company: CIBC BANCORP USA INC.
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:
My credit reports were pulled without my consent in the name of pre approval check. As far as I know the below agencies/organisayion has pulled the report without making me aware of the same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Due to multiple credit checks my credit score is down and i am facing issues with the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened an XXXX  account to double check my credit report. There was an acct for a Jefferson Capital. I disputed it. XXXX IMMEDIATELY said they validated the account.

I then launched a full on dispute with all 3 credit companies. I can not produce anything BECAUSE I DONT OWE THEM ANYTHING. I HAVE ZERO IDEA WHERE THIS ORIGINATES FROM OR WHAT. Apparently, XXXX sold an old XXXX acct ( which I did not do not owe ) to this company. 

I want copies of anything and everything that proves I owe this bill. I want this matter closed out from my credit report immediately and I want XXXX to produce whatever documents they used to verify this account. 

Otherwise, Im prepared to sue them both over this! I've been doing what I'm supposed to be doing to clean and clear and for them to immediately say " oh, yeah, you owe this ... '' is absolute XXXX  XXXX. 

Thank you. Again, please ask that I get copies of all of the information someone has at their disposal to resolve this matter. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of 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 2021-07-09
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank decided to close ALL of my credit accounts with them. Mastercard, Amazon, Gap, Paypal Credit. I had never missed a payment and always paid the balance in full each month. My primary cards were the Mastercard and Amazon. 

I was using the Mastercard to pay legal fees ( $ XXXX worth ) because it gave me 2 % cash back on purchases. The card only had a {$12000.00} limit so I would submit a payment from my bank before the grace period was due on the card. Once the payment cleared and my credit was available, I would submit another amount to the attorney office. 

For purchases in XX/XX/XXXX, this was {$22000.00} and my account statement was $ XXXX. After this statement, I made another {$12000.00} in purchases and cleared the balance with a payment of {$11000.00}. At which point Synchrony decided to close all of my accounts. 

On this account I was forfeited the 2 % rewards on the last amount of {$12000.00} x 2 % = XXXX My Amazon account was closed with a rewards balance of {$120.00} My total lost rewards : {$360.00} The reason Synchrony gave me for closing my accounts : Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay However I was paying the balance in full each month. I even gave them a copy of the invoice I was paying as well as a bank summary showing that I had the money to pay the fees.

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 2022-09-17
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a scam for purchasing a piece of heavy equipment. I wired {$27000.00} from my account at Wells Fargo to a bank account at XXXX XXXX. I met with a Wells Fargo agent and he filed a Wire Return Request with XXXX XXXX, and then said, This is not going to work and theres nothing else I can do. I have documents from the transfer, but they have sensitive information contained on them.

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 2019-08-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CACH , LLC WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY XXXX. ON XXXX XXXX I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XXXX XXXX WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF CACH , LLC AND XXXX HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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

received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of. 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. 

Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct XXXX XXXX XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Acct Name : XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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.

These inaccuracies are stopping me from being able to get a new home for my family.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX credit card and was automatically routed to Experian. I took the option of temporarily " unfreezing '' my report and received a ten-digit pin number with no instructions or options as to what to do with it. Attempts to contact Experian by internet or by the telephone number they give, XXXX, which, obviously does not exist, or by another number, XXXX, always end in being required to mail in a batch of documents, including photocopies of driver 's license. This requirement is obviously a " XXXX XXXX. Have a Nice Day. '' ploy, If I actually followed through - is anyone XXXX enough to actually try? - it would no doubt give them all a good laugh.

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 2018-04-11
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My falsely XXXX cousin received an insurance check due to his mother 's death in the amount of around {$1200.00} in XX/XX/2018. He forwarded me the endorsed check and a power of attorney document to cash the check and get him the funds. The check was written off of PNC Bank. I spent about three weeks trying to get the power of attorney wording corrected and filed with the Register of Deeds only to get one declination after the next. I had a US postal tracking number to show that the envelope was mailed from the prison itself. It was a good check, but PNC Bank would not cash their check. They did Not offer a check cashing fee as an alternative. My cousin and I have the same last name. PNC Bank offered no option to cash the check written off their bank. It had become a life and death situation, and they kindly expedited Legal review, but PNC XXXX declined the third draft of power of attorney. Their review process was averaging four days per  document review cycle. PNC Bank fails at customer service. My online review is at XXXX XXXX   XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-09-17
Company: EQUIFAX, INC.
State: MO
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:
XXXX & XXXX ( XXXX ) U S DEPT OF EDXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation