BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-03-07
Company: EQUIFAX, INC.
State: TX
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 submitted a dispute for 3 inquiries on my credit report. I have contacted the creditors and they are telling me to contact the car dealership but the car dealership said they can not remove a inquiry not submitted directly by them. They didnt receive authorization to run our reports with other companies. Equifax refused to investigate calling all inquiries factual records. This is not only incorrect but a violation of FCRA to not do a proper investigation of any dispute, Inquiry or account related.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX ran my credit with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  report shows that I have a credit card account with XXXX XXXX XXXX  and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
This began with XXXXXXXX XXXX, submitting payment in the amount of {$1200.00} to Wells Fargo for payment, which was the incorrect amount that was due, soI had to put a stop payment on the payment, and no other.When I called Wells Fargo and told them to stop payment on the submission, they stopped payment on all submissions from XXXX XXXX   which was incorrect.I did not tell them to do this, and I was not informed, that this would happen.I received an alert from the credit bureau, informing me that my credit score had dropped 100 points, because of late payments to XXXX XXXX, I was shocked in disbelief, because I knew had paid this bill, and was never late.I then called XXXXXXXX XXXX  XXXX for an explanation, and was also told the payments were stopped, I informed them, I never did this, and I would call Wells Fargo.I called Wells Fargo XXXX and was told we put a stop payment on the name of the bank, which means we return all payments, and you never called to have it reversed.I then told this person, that I was not informed, that this would happen, because you never told me about your stop payment policy, of denying all payments, when you mean one, you should have contacted me to verify, now my credit is ruined, because ofwhat you did.I asked Wells Fargo to write a  letter and fax it to XXXX XXXX XXXX explaining the situation, that I did not place a stop payment on all their submissions.I was promised by a customer svc.rep that she would fax it over right away, which was on XX/XX/18, but she lied to me, the bank said they never received any such letter.Then on XXXX, I called back and spoke with a supervisor, and was told we have to investigate this matter, instead of taking care of the matter, in regards to faxing the letter to XXXX XXXX XXXX as promised.These people donot care about their customers.If this matter is not resolved promptly, and my credit score restored, I am going to seek legal counsel, to have it resolved.

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 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My CD at Marcus ( Goldman Sachs Bank ) matured on XX/XX/2023. I gave wiring instructions in advance, and I did not receive any money after the closing date. I use their chat and called and they said that because of dollar limits on the size of the account, they were having problem closing the account. I called daily and got the run around. I would like them to send me the money along with extra interest for every day that they have held the funds that should have been returned to me if not for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage account with PNC. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer did not send my reaffirmation papers. However, at the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by PNC. Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. PNC is not. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. I can't submit the request through PNC 's communication portal because I get a message that it's unavailable. They wouldn't accept my verbal request. I am simply asking that PNC report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, 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 2023-11-16
Company: EQUIFAX, INC.
State: NJ
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 have been disputing fraud accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. I have been disputing with both XXXX & TransUnion for nearly a year, and both companies are violating my Fair Credit Reporting Act Consumer Rights on multiple accounts. I have also listed multiple sections of 15 USC 1681 in which the directly violate. XXXX of the most recent dates that disputes were opened are XX/XX/2023. XX/XX/2023 approximately. I have mailed in dispute letters for nearly a year now, as well as called and personally spoken with representatives from both XXXX and TransUnion, and still have not had favorable results. I have explained to them they are violating my consumer rights, but choose to ignore my grievances. 

They do/did not have Permissible Purpose to report these accounts, they illegally reporting TRANSACTIONS & EXPERIENCES on my consumer report, they are failing to reporting maximum possible accuracy due to the fact these accounts are tied to multiple address I was never associated with. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX BANK Account # XXXX XXXX5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates.

I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been very patient with them and trying to dispute with them in a respectful manner, but I have gotten nowhere with them. I know believe it's in my best interest the CFPB steps in and helps me resolve this matter.

I have attached my most recent dispute letter.

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 2020-06-26
Company: EQUIFAX, INC.
State: GA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: PRIMARY RESIDENTIAL MORTGAGE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received notice from my mortgage company XXXX Primary Residential Mortgage that my payment was going to increase on XX/XX/2022 by {$440.00} a month. 
I have called several times and even submitted a formal complaint with no resolve. 

I was told they miscalculated my property taxes at close and are needing me to make up the difference ( backpay ). 

The previous owner was on homestead tax program and they went off of that. 

I received a 2 week notice and the company made it very clear there is nothing i could do. 

If I had this information I would not have gotten the house. I made it clear I needed to stay around {$1000.00} a month or less. My payment is now over {$1400.00} with this adjustment. I have been paying it so I do not have a mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my XXXX  and XXXX  credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my XXXX  file. As a result an inquiry now appears from SYNB Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact SYNCB using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted XXXX dispute department on XX/XX/2020. According to XXXX  it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover XXXX  informed me that they do not have any further information as to the specific company outside of SYNCB that requested to view my file. 

Despite contacting both XXXX  and SYNCB I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.

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 2022-05-06
Company: LD Holdings Group, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
o all FHA, VA, Brokers & Financial institutions of any type. My home is a single family home at XXXX XXXX XXXX XXXX, Ms XXXX their is one septic system, one address, one water connection, one electrical connection, one driveway Period. For some reason they want to list my home asa duplexto do something bad to my FHA Or Va mortgage. Several have questioned me often. What is going on and what is their plan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: UT
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: Investigation took more than 30 days

Complaint:
I bought a XXXX XXXX XXXX in XXXX Utah, I got a car loan through XXXX XXXX XXXX XXXX XXXX, now called just XXXX XXXX. 9 before they used to say there were not part of XXXX XXXX and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. XXXX XXXX stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with XXXX XXXX even though everyone in this country knows XXXX XXXX is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it as soon as possible.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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