BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK NORTH AMERICA / THE HOME DEPOT. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Account Verification & Consumer Protection Department by the name of XXXX and XXXX. It was extremely difficult to obtain any information from them. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK NORTH AMERICA / THE HOME DEPOT immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

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 2023-08-09
Company: EQUIFAX, INC.
State: NJ
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 noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
WellsFargo in XXXX sc on XXXX XXXX they opened a Savings Acct. I closed the acct because I felt like my acct. was tampered with by a inside Employee. 
XXXX.They actually opened up 2 Accts without my Consent but when I asked no one knew what took place. 
1.1st acct XXXX savings acct # XXXX 2.2nd acct XXXX XXXX acct # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
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 am writing to dispute the continued reporting of late payment information on my credit report for an account that has been settled and closed. After carefully reviewing my credit report, I have observed that late payments are still being reported on this account, despite its closure and settlement. I am seeking your assistance in rectifying this issue promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the mentioned account has been settled and closed. Despite this resolution, the credit report continues to reflect late payments. I am concerned about the accuracy of this reporting, as it misrepresents the current status of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Was not notified of investigation status or results

Complaint:
I recently disputed inaccurate personal information on my credit report and did not get a response back.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
An un authorized hard pull was done on my TransUnion account from XXXX XXXX  and I would like to get it removed. XXXX XXXX  has sent me a letter stating this was indeed unauthorized and they will be reaching out to transunion to also get it 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that the bankruptcy was considered accurate. I then contacted the XXXX bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is TBE case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. I investigated the issue further and found that TransUnion receives their bankruptcy information from a third party company called XXXX XXXX. Ive contacted this company and was told all false reporting of this bankruptcy has been removed from my file. However, TransUnion refuse to update my record. Instead, I was told that they can not verify my identity. I believe this to be an attempt to prolong inaccurate and damaging false reporting. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit 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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
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 2021-07-14
Company: NATIONS LENDING CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX we began the FHA home buying process with this company, XXXX was the loan officer. XXXX requested us to complete the application and submitted our requested W2 's. We received out pre-approval letter and contacted a realtor and located a house that XXXX approved was acceptable for our loan and we submitted a contract on the home,. Our debt/income ratio was approved and We began to pay off the requested debt. Any documentation was submitted quickly. We were given a closing date of XX/XX/XXXX. We were told that we we were " all good '' and informed that everything was in underwriting but It began to appear that someone in Nations Lending, perhaps XXXX, dropped the ball as we were then asked to submit paystubs, place a deposit of several more thousand dollars in our account, ( which we did ) and told that things were being help up because of an error in the appraisal. We contacted the branch manager whose reasonings contradicted XXXX. We contacted the Corporate office to try and get clarity on why we were getting the run around and within 5 minutes got a call from the branch manager that the loan was now denied due to debt/income ratio which we had already been told was approved. The appraisal would have never been ordered had they had done their due diligence. we were misled, lied to, and then because we went above their heads, the local office declined the loan. We want our {$600.00} appraisal fee refunded as they should have never ordered it if we weren't approved.

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 monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: AL
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-09
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had two credit cards with XXXX. Both cards were charged off by XXXX in XX/XX/2017. I have requested a 1099-G for both cards multiple times from XXXX and they have refused to provide the form for the charged-off accounts. XXXX also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested XXXX fix this multiple times, and they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
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: Old information reappears or never goes away

Complaint:
I have tried to dispute an old account that is reporting on my Equifax credit file but Equifax has not responded. I tried to even attempt disputing on their website which doesn't let me in, then I tired to contact them and no one picks up. I have sent them a dispute in the mail and it's been well over 90 days. It's impossible to get any type of communication with them to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/23 I proceeded to Lowes in XXXX California. I informed the cashier that I did not have the physical card with me and if she would be kind enough to look up my account in her system. I handed her my identification and I told her I was in the service. She proceeded to tell me she found my account info. However, the credit card company decided to decline my purchase and lock up my card. It was less than {$300.00}. I called the company and asked them why they had not honor my purchase and they said it was because they couldn't verify my identity. The nightmare begun soon after. I get this very sketchy text message purportedly from Synchrony telling me to click on this tiny url. The instructions called for me to upload a copy of both front and back ( barcode of license ) of my drivers license. It had me do it multiple times because supposedly it couldn't capture good images. Next it wanted me to move my head up and down in the form of a video similar to what you do for your XXXX  XXXX. It scared me to death. After that, I was to call the number at the end of the completion process after a code had been generated. So I called the number and spoke to a person with XXXX accent and gave her my code. The code never worked and now my account has the following message : " Your attention is required. 
There is an issue with your account. Please contact customer service at XXXX. '' I called the number and they said I should try the process again, I did and now I get a message saying someone has completed the process or someone is trying to impersonate me. Synchrony also informed me if it doesnt work I should mail them documentation. I don't trust the verification process through the phone how am I supposed to trust them via post office

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 2019-09-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Bank on behalf of XXXX card has been trying to collect {$99.00} from me since early XXXX. I called them on XX/XX/XXXX and send the letter of explanation and proof of payment to the address provided by Comenity Bank. In my letter, I also filed a formal complaint about the way Comenity Bank conducts it collection. Additionally, 1. Comenity is rude. I asked them to transfer me to their supervisor whom I talked to before. I provided the supervisor 's first name and her representative ID. The XXXX representative told me she could not transfer me unless I provide her extension. How am I supposed to know her extension? Isn't her representative ID good enough? 

2. The communications between Comenity and XXXX are flawed. Comenity and XXXX are transferring me between these two entities back and forth. One doesn't know what the other is doing. For instance, Comenity asked me to send my letter of explanation and proof of payment to XXXX. I did so on XX/XX/XXXX. However, I called on XX/XX/XXXX with respect to the correspondence. First, Comenity claimed I sent it to the wrong recipient. I should have sent the correspondence to Comenity. However, it was Comenity who told me to send it to XXXX. Then, Comenity said they saw I sent in some correspondence, but did not have the date and exact content. This is very bad record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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