BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: EQUIFAX, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: OH
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:
This marks the fourth time I am submitting a complaint, and I am following up to address the upcoming credit report update within the next 15 days. While I am grateful for the efforts made to remove some inquiries from my file related to the alleged identity theft, there are still remaining items that require attention. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically # XXXX. I would like to emphasize that the items in question are not associated with any transactions for goods, services, or money that I have either made or authorized. Therefore, I kindly request the removal of the following items from my credit file : EXPERIAN : 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 2022-04-08
Company: JPMORGAN CHASE & CO.
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 have multiple inquiries from XXXX XXXX XXXX that i didnt initiate and it is fraudlent and i want it deleted immediately 15 USC 1681B violation furnishing reports in connection with credit transaction not initiated by consumer XX/XX/2021 XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This is the second complaint for a previous complaint that has not been resolved by PNC Bank. Originally filed on XX/XX/22 for an illegal bank issue that occurred on XX/XX/22 and was brought to PNCs attention on XX/XX/XXXX and assigned a case # by PNC on XX/XX/22 for fraud. CFPB complaint # XXXX was NEVER resolved by PNC and for them to say otherwise is a false statement. On XX/XX/22 an employee of PNC ( XXXX NJ ) abetted in an unlawful act with their nefarious client by allowing a check in the amount of {$13000.00} made payable to The ESTATE OF XXXX XXXX to be expropriated into THEIR clients PERSONAL ACCOUNT. What makes this more egregious, is facts and red flags that should have legally safeguard this estate check. First, the check is clearly made out to only the estate of XXXX XXXX BUT the check ( on the back ) is signed by the deceased. Second, it is endorsed by their nefarious client and deposited into their PNC checking account. Third, Im sure this check was held until it cleared through PNCs safeguards for fraudulent activity, yet it cleared into their clients account via a criminal act. Lastly, PNC admitted to me on a phone conversation ( which according to them is a recorded line & I recorded as well ) that a fraudulent act did occur but is under investigation. They refused to return the money that was stolen by their client, which was abetted by their employee and states the responsibility lies with the issuing company, XXXX XXXX. I was on a 3Way call with PNC, XXXX and myself when PNC told XXXX it is policy and banking protocol that XXXX bank file for fraud due to funds not being received by the estate. XXXX contacted their bank, Bank XXXX XXXX, and they said that there are banking policies and governing laws that ALL banks must follow and yes, the two banks would work together to ensure the check is INTERCEPTED and funds returned to the proper and legal parties BUT when PNC ALLOWED the check in question to be ILLEGALLY DEPOSITED into THEIR bank by an UNAUTHORIZED party- ALL LIABILITY FALLS ON PNC XXXX. At this point XXXX  XXXX XXXX and XXXX will not entertain PNCs tactics to avoid responsibility for their role they have played in allowing a criminal act to continue without any accountability on their part involving their employee or the criminal themself. My XXXX XXXX is the victim and her estate is not able to move forward without PNC stepping up and acknowledging the clear FACTS that their employee, either unlawful or recklessly, allowed a thief to steal {$13000.00} from an estate and when the funds are rightfully returned to the estate, PNC can legally go after XXXX XXXX for stealing {$13000.00} from PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.

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 2023-10-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This was a old debt that was sold to a company I didn't sign papers with. They have no proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
the problem I am having withe these credit reporting bureaus they don't do a proper investigation to the disputed items I have on numerous occasion submitted disputes with XXXX/XXXX/and transunion that meet all the fcra guide lines and they come back verified and updated in 10 days or lees as then I ask them of there method of verification and I have also requested these things in writing and I Never have gotten them either all I want is a fair and accurate credit report that's afford to me by the fcra these company are breaking the law in a numerous ways by not being transparent and they will not comply to the rules of the fcraXXXX lies about how they verify accounts they verify my accounts as accurate and these accounts are not attached to an address or my name and they refuse to there jobs by removing them and transunion sends stall letter thing to buy more time or on most cases they just don't respond or when they they just refuse todo an through investigation so they ksut verify and says it updated and XXXX never responds within the 30 days allotted and they always come back updated and verified with no thourgh invetigationand most of all none of these bureaus do a thorough investigation on any of these disputes and the consumer has no chance at a fair and accurate report as supposedly afforded them by the FCRA

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 2021-09-21
Company: EQUIFAX, INC.
State: TX
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, EQUIFAX, AND XXXX Violated -Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX never gave XXXX, EQUIFAX XXXX or XXXX my written consent to report any derogatory remarks, hard inquiries and, unverified items on my private consumer credit report, causing me severe suffering. ( see attatchments )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CrossCountry Mortgage LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I looked at my credit report and saw the following inquires from the following companies that i did not authorize. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX, my credit limit was {$7500.00} in which payment to account was paid on time and regularly paying off balance monthly. 
XXXX XXXX and XX/XX/XXXX, credit limit and cash advance limit was {$7500.00} same routine on payments consisted with no change along with same associated credit cards with Synchrony with no changes. Approximately on and around XX/XX/XXXX I requested increase since my payment history and Citi bank representative stated it appears you would qualify due to it being over 6 months and you are in great standing. I proceeded and awaited response. At end of XX/XX/XXXX, I noticed I submitted verbally a dispute regarding a service paid for totaling near and around {$1400.00} but called back next morning since it was XXXX and they stated they couldnt close the dispute since the office wouldnt be open until Monday. I told them to ensure this was a valid charge and I thought it was a different credit card. The customer representative stated it wouldnt be a problem we have noted it and closed it and the charge is and will appear on your charges. He stated to just call back Monday to verify it is complete. That said, I called back and they said it wasnt closed but will do so. After these incidences I received notification that my credit limit I requested to be increased was decreased to {$3800.00} when it occurred I paid extra to ensure I didnt exceed utilization rate and then I contacted Citi customer support and the representative stated this is definitely not good because you are and were in great status and I will submit an appeal for you. I submitted the appeal and waited for reply. The response from Citi was contradictory first statement stated I had derogatory delinquent payments and late payments when in fact it was false. So I reached out again to customer support to ensure this was corrected and the second response was Citi will not change the limit and its not due to your credit report. Understandably realizing I did not intentionally file a dispute but the Citi group proceeded as I did when it was not warranted. I continually paid and reached out and then the Citi bank access to previous notices related to this credit card ( which was replaced ), which identified false information and dispute information was applied to my credit file which caused not once but three times from XXXX up until XXXX the credit limit to reduce from {$7500.00}, {$3800.00}, {$2500.00} then now {$2000.00}. Incidentally unjustifiably reporting my utilization rate higher than actual and real credit limit to be proved incorrect due to delay of actual credit limit behind by 30 days from date providing to credit reporting bureaus.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2023-08-01
Company: BARCLAYS BANK DELAWARE
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX we disputed the following XXXX charges : XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$320.00} XX/XX/23 XXXX XXXX {$300.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$280.00} XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$130.00} Credit Card company investigated and determined the charges were valid. 
on XX/XX/XXXX and XXXX we disputed the charges again. 
Credit card company investigated and determined the charges were valid. 
We disputed again and were denied again. 
We contacted our local police department and filed a report. We faxed the police report to credit card company on XX/XX/XXXX. 
we conducted our own investigation and received receipts from the hotels and the name of the passenger. we forwarded those receipts to the detective assigned to our case. in addition, we faxed the receipts to the credit card company. The detective assigned to our case called the hotels and found out who checked in. 
I am attaching everything we received from our own investigation and what the detective discovered.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with 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, 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.

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 1691s-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 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.

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