BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Penn Credit Corporation
State: PA
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:
A lady named XXXX from Penn Credit Corp first called me on XX/XX/18 at XXXX XXXX. I called back the same night, XX/XX/18, at XXXX XXXX. She immediately asks me for my personal information in order to verify who I am so that she can tell me what this alleged debt pertains to. She would not tell me what company she's representing or what the debt is. I told her that she has to mail me something, and she refused to. She said she will not tell me anything or mail me anything because " she doesn't know who I am. '' I again repeated, " I don't know who YOU are. '' And she said something like, " Well that's ok if you want to act like that, '' and hung up on me. She/the company has since called me again on XX/XX/18 at XXXX XXXX  and XX/XX/18 at XXXX XXXX. I have not answered, and I have blocked the number. I have not received anything in the mail. This is some type of scam. I check XXXX at least once a day, and I am 100 % positive I have no outstanding/unaccounted for debts. I settled all of my debts last year. 

How she's violating my rights, per your website : will not/has not sent me a written " validation notice '' within five days of first contacting me. Will not tell me how much money I owe or the creditor I owe it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against your organization for the repeated failures to correct an inaccurate late open account on my credit report. Despite multiple attempts to rectify this error, my credit report continues to contain misleading information that has a detrimental impact on my financial standing. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence to support my claim that this late open account is inaccurate. However, your organization 's persistent failures to address this issue are causing significant harm to my creditworthiness and financial stability. 

It is essential to emphasize that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account on my credit report : Difficulty obtaining credit or loans on favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account on my credit report. If it is determined that this account was indeed inaccurately reported as late, I insist on the following actions : Swift correction of my credit report to accurately reflect my financial history and creditworthiness.

Removal of any derogatory or inaccurate information associated with this account. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Please help me correct the late open account : XXXX XXXX Balance : {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already issued one complaint - XXXX. The company says they are working on it. I received yet another letter dated XX/XX/XXXX with yet a third NSF fee. I called on XX/XX/XXXX for the 3rd time. I've also messaged and Live Chat with them. And I have been to the local office twice. Yesterday when I called XXXX, I was told that I have no NSF fees applied to my loan and that everything is set up properly. My 1st payment out of my new checking account will happen this Friday. Today I got a letter dated XX/XX/XXXX that states since I have had 3 or more payments in the last 12 months that have not been honored by your bank ( note the letter head is the same as my Bank - BECU ), they now require my payments be sent via certified check or money order. There is a note that if I send a payment via the website, personal check, or one-time draft, the payment may be rejected and returned to me. I HAVE DONE NOTHING WRONG. I have always had the funds available for my payments. I have had this 15 year loan for 7 years and I resent being treated this way. I have never missed a mortgage payment but this mortgage servicer is trying their best to make that happen. Who knows what will happen on Friday. I called the BECU office and they have no way to help me. I called the BECU servicing mortgage line at XXXX for a 4th time today, was offered a call back and when I got one was put on hold for three minutes and then dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NY
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 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 an account without my written instructions. 

In 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 an account without my written instructions. 


In 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 an 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 2021-05-12
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened up a Citi Priority Savings account online ( statement attached ) the end of XXXX. When I went to check my account, I was told it was " locked '' but no-one could tell me why ... ..not " new accounts '' nor " fraud '' department. I was told it was a " security '' issue. On XX/XX/XXXX, {$5000.00} was debited from my account, so I assumed a check was coming to me ... ... ..nothing ever arrived! I have called numerous times, but unable to get any information from anyone. At first I was told I had to wait 30 days, then 60 days ... ... but still no check or concrete answers. There are no physical offices in MA or RI. 
Do you have any contact with Citi? How can I get my money? 
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 2023-07-19
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a cashier 's check from PNC XXXX XXXX, for XXXX to purchase a car. The check was immediately deposited in my account at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, I took a cashier 's check for the exact pay off amount for the XXXX to the car dealership. On XX/XX/XXXX, a stop payment on the cashier 's check was applied to the check from PNC and all monies were cleared from my account to cover XXXX. I never got any notification from either bank about the stop payment. I realized the application when I tried to buy a scoop of ice cream on Monday XX/XX/2023. I immediately called both banks to find out what was going on. I filed a police report bc of an employee at PNC XXXX XXXX. XXXX fraud report # XXXX. I filed a complaint with XXXX, who monitors credit union activities. I have no money in my account. According to XXXX, any money deposited will go to repay the stop payment. I want the stop payment reversed XXXX I used the money as it was intended. I should not have a total " loan payment demand '', when I purposely did not take out a loan. My account should not be held XXXXXXXX XXXX of bank errors. No one talked with me about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in bankruptcy and Mr cooper my mortgage company has been screwing up my life since before I was ever in bankruptcy. I missed a month and a half on my mortgage payments, the month and a half I missed was on XXXX and XX/XX/2023, I missed a full month in XXXX and half a month in XXXX and now they have filed a motion hearing for XX/XX/2023 for I think its called a motion to stay so they can take my house. I do not receive any mail from them because they have to Send it to my bankruptcy trustee apparently. I didnt even know there was a hearing until a week prior to the hearing date and the only reason I found out was because I called in to get a mortgage statement and a lady asked me if I knew about the hearing coming up, which I didnt and I also couldnt get a simple mortgage statement from them. My mortgage payment is {$790.00} a month. I could be a few dollar off on the monthly payment but thats just about accurate. I am being so mistreated as a veteran who served this country and Im trying everything I can to keep my home and pay my monthly payments. They also held my money from me that my insurance company sent for me to fix the roof on my house because I had storm damage, my roof is now exposed and inside of my house is leaking because they wont release my funds for me to fix my roof. There are so many things I could put in this complaint but Id rather explain it to whomever I am reporting it to because I cant type it all, my phone number is ( XXXX ) XXXX. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: IL
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 and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NV
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 non-monetary relief
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I was notified Capital One closed all my accounts including the ones Ive had long term in good standing. They closed all accounts because of one I fell behind on, a new card. 
I called and spoke to senior account supervisor XXXX XXXX on XXXX ; She was unable to tell me which part of the agreement I violated which resulted in accounts in good standing to be closed. She refused to advise me where to look to see what I violated because she didnt have it in front of her Insisted she had to email me the agreement which I have not received. 
She advised me that there are no financial advisors and they can only read off of their templates. If they are able to help with the templates they will otherwise they will not. They have to stick to the templates. 
When asked what they planned to report to credit bureaus for the closed accounts in good standing she advised they had to put all my accounts in negative standing in order to report, which would make reporting fraudulent, however on their end it would be considered accurate reporting. She constantly acknowledged other accounts paid for in a timely manner and paid with more than the minimum payment balance due. However she stated they would be closed and reported as negative closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX MORTGAGE & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account : XXXX MORTGAGE 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 2018-06-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX sent me an email stating their investigation did not fix the error on my credit report because XXXX and Equifax companies that reported the information to them was certified. No other explanation was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023 I was making a purchase at the Belk ( XXXX XXXX XXXX, XXXX, SC XXXX ) in the men 's department with my existing Belk Mastercard. The cashier said she could upgrade this card for an additional discount on my purchase. She specifically said the upgrade would be without any changes to my existing card- it was simply an additional discount. All I had to do was press here, enter that and I would receive the new and improved upgraded card with the same account number ( she said ). I specifically asked if I was applying for a new credit card and she told me I was not. Clearly this was a sales/marketing ploy and a direct lie. What happened was a hard credit inquiry and new credit card exactly like my existing card - no upgrade. Now I have XXXX of the same type of account and a new credit inquiry/account which I promptly closed. This is a blatant deceptive marketing practice and should be stopped. I submitted a complaint with the company - no response. I submitted a complaint with the FTC, and now 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 non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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