BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: RI
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: Problem getting your free annual credit report

Complaint:
I was recently made aware that my social security number was stolen and I wanted to check my credit report to ensure that no one has opened accounts in my name. I went to the websites of the three credit reporting agencies to check my credit report on XXXX XXXX. XXXX  and XXXX  were accessed with no issues. Experian has been quite frustrating. When I login to their site to request my free annual credit report I encounter an error. I have contacted the company on at least three occasions to remedy this situation with no luck. The phone center is a bit of a joke since it pretty much sends you in a circle. The website says call the number on the screen. When you call the number and choose the " membership '' issue it directs you back to the website and the circle starts again. I also tried the website for the free reports ( annualcreditreport.com ) and could not access the Experian report. I am writing this on XX/XX/2021 and still no resolution to the issue. The company indicated that their website has issues verifying my identity, but it never gets resolved. They keep on sending me emails to just log in to their site. I appreciate your help with this issue. Thanks

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 2023-09-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has voilated my rights.

15 USC 1681 Section 602 States I have the right to Privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-02-20
Company: EQUIFAX, 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 status incorrect

Complaint:
Opened XX/XX/XXXX Balance XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I let someone apply for my unemployment benefits for me, they have been using my information. I noticed my account transactions show highlighted red on every transaction when it is not suppose to be highlighted red. I don't know for sure, i also didnt get my payment for this past week yet. Someone also got my information, social security number and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have filed XXXX complaint XXXX against PNC. I was scammed out of XXXX on XX/XX/26 and I am not so sure this wasn't an inside job. I have been told XXXX  times that the money was still at the wiring company while they investigated the dispute. Then when I push them as to why they would not return this money when they knew I had been scammed out of it they send a letter on plain white paper saying they were unable to get the money back. Not on PNC letterhead which also made me suspicious. 

This bank has handled this very poorly and I don't know who to trust there anymore. I dont know if I am taking to the bank or a scammer. I feel they are putting me off hoping I will go away and it's not going to happen. I am going to contact an attorney this week and discuss it with them. 

I want this bank investigated they put a hold on what little money I have left in my savings account which I was told they can't do that only the acct holders and irs can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date : XX/XX/2020 Mortgage Company : Mr. Cooper Attn :  Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have written and called the above mortgage company regarding {$1500.00} they took from my checking account without my permission. As of the date of this email there has been no attempts of the company to resolve this issue. 

They had an authorization to take {$450.00} monthly to pay for my mortgage. They took {$1200.00} on XX/XX/2020 and {$1200.00} in XXXX. After numerous calls and request to refund the unapproved amount they have yet to reimburse me these funds. As a senior citizen on a fixed income overcoming XXXX XXXX, this has placed me in a financial hardship. Please assist me in getting a refund of my {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 a hard credit inquiry was noted on my XXXX and Experian credit reports from XXXX XXXX. I immediately contacted XXXX XXXX XXXX XXXX and spoke with representatives in the Customer Service, Credit Card, and XXXX XXXX departments. Each had no indication that an application for credit had been filed under my social security number, and no account had been opened. 

Representatives at XXXX XXXX XXXX XXXX  than transferred me to customer service at Experian who instructed that I needed to file a complaint with the CFPB as well as them conducting their own investigation. 

My wife and I are in the process of purchasing a home, so we've been carefully monitoring our credit reports for activity.

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 2022-04-01
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Since XX/XX/2022 have been receiving all day harassing phone calls from LVNV lending company. I am on welfare, medically XXXX with no income. I told them this in at least XXXX conversations. They sent the case to small claims court anyway and are threatening me with a state XXXX. I told the court the same financial & medical hardship as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and I have reached out to XXXX, XXXX and Transunion and nothing has been 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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NY
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 have tried several times to have XXXX correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each.

Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If XXXX made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. 
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. XXXX failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, XXXX willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. 
total of {$6000.00} in remedy I am due.

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 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one, has two fraudulent accounts reporting to my personal consumer credit report, which is encumbrances to me, this is effecting my credit worthiness, and causing me harm. I used this verbiage Capital one does not have my consent to use any identifying information and all said information is to be purged immediately or destroy immediately from their system. Any further use of identifying information pertaining to ( XXXX XXXX ) is deemed aggravated identity theft as described in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
we went to court today and ally bank sent me paper work why they shouldnt repo the car its the samething over again. the lady at the court house wouldnt let her i fired my attourney and hired another one who will work to pay off the credit cards and the car the ally bank spokes person is telling me she wants the car. i want my XXXX bank account Subpoenaed there was XXXX in that account i also had XXXX XXXX who is being sued. so please file a subpoenaed, can you please help me

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 2020-10-14
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: Information belongs to someone else

Complaint:
INACCURATE AND UNAUTHORIZED ACCOUNTS AND INACCURATE ADDRESSES ARE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking Remove XXXX late payment. 

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 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-21
Company: American Collections Enterprise, Inc.
State: DC
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:
That on XX/XX/2023 I sent American Collections a notice to opt-out of credit reporting.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my 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 non-monetary relief