BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
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:
Equifax ; XXXX and XXXX are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the day of XX/XX/2022 Sent of letters to XXXX, XXXX, Experian requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.

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 2020-06-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, IL XXXX Experian RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Lastly, I logged on XXXX to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Name : XXXX XXXXXXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following unauthorized fraudulent inquiries on my report is an act of identity theft. I'm demanding that the credit reporting agency known as TRANSUNION, remove these inquiries from my credit file immediately and/ or show just cause and The Method of Verification in to this matter. I'm demanding physical documentation that verifys these actions. Please remove the following unauthorized inquiries. 

1 ) XXXX  ( XXXX ) 2 ) XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) 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 2023-03-06
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} Status Collection account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In XXXX of 2022 I started a dispute with XXXX XXXX to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.

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 2023-05-29
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist Banking have locked our Bank and Savings account already for a year. We can not access our account using the computer to transfer monies. We are living in XXXX. Just so you know; we also have XXXX  account. We can do everything with the XXXX XXXX. Truist bank has a lot of problems, please see the internet customer complains. I have nothing to do with that. We are 20 years customer with Truist Banking, prior Suntrust. We have since last year also residence in XXXX. From the Truist office XXXX we transferred some monies to the XXXX XXXX  in XXXX. Now being in XXXX we should be able to transfer money from XXXX to XXXX using the computer. It worked a couple of times. Truist bank Blocked our account about 12 months ago. We emailed, we send proof by regular mail, we send emails, also to the XXXX XXXX XXXX, XXXX also customer service, created a case number, but never helped us again. case # XX/XX/2022 XXXX. Obviously, we can not come to XXXX to an office to say hello ... .. Over the phone Truist employees, never helpful, gave us the advise to call the branch office where we use to go in person. We did call the Celebration office in XXXX, never helped. We did call the Truist office in XXXX XXXX Florida, where we banked later because of our move. Never helped. All Truist employees are nice promise to help and call back when you have them on the phone. When you hang up, no help no call back, account is not unlocked. All of this is unacceptable. In the mean time my social security is deposit in this bank. I am not able to access my account and make payments. I have usage of the XXXX XXXX. Never had a problem. XXXX XXXX  is outstanding. No limits, quick, user friendly and very efficient. From XXXX to XXXX XXXX  in XXXX. On the internet their are a lot of complaints and also videos, telling after the merge between Suntrust and Truist all the customer service is out of the window. Truist bank, you hold my hard work earned money for no reason. We have identified with Truist bank and your fraud department a " XXXX '' times. UNLOCK OUR ACCOUNT. That we have the Truist checking account card, we have added a ATM with draw in XXXX, XXXX. 

Truist banking, Unlock the account. XXXX XXXX, as a CEO, the least work you can do is to respond on my emails. Please, I refer to about XXXX emails send in the last 12 months to different emails. Everything I asked for is written in these emails. I spend hours and hours with Truist banking to come to a resolution. So far, XXXX. No help, no resolution from Truist bank. I like to refer to all emails, all phone calls and all letters send to Truist Banking. 

We have send all our new address and phone numbers to Truist Banking on several occasions. The XXXX number is NOT valid.

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 2022-11-15
Company: EQUIFAX, INC.
State: WI
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:
In XXXX of 2022 I started a dispute with XXXX XXXX to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
State: WA
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:
Creditor : CITI Add : XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX Acct # XXXX Creditor never communicated with us about our options and no statement was mailed out till it was too late. Credit Card had charges on it that were not ours. We have trouble speaking XXXX  and our native tongue is XXXX. Every time we called them, after a few minutes the representative would get upset and disconnect the calls because they could not understand our broken XXXX. We tried to explain that these charges were not ours ... but they would not listen. Now, this account has been charged off and is affecting our ability to refinance our home. Please help.

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 2018-05-06
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a private loan hat was taken out orginally with XXXX XXXX XXXX  for XXXX in XX/XX/XXXX approximately. I paid $ it down to XXXX   And then the loan was sent to XXXX. I received startments saying no Chang in in interest rate of 5.85 and no money due on loan for several years. Now my worst nightmare Navient has the loan as of XX/XX/XXXX. They promptly raised the interest rate to 6.85 % and increased the loan {$4400.00} by anding interest. This is my son 's loan he has an excellent credit rating, so why they did that I do not know? I just want to pay off the balance of {$3500.00}, an never hear the name Navient again. I am a cosigner on the loan so that is why they came after me. If I would of known that they would do this of course the loan would have been paid promptly with XXXX  in XX/XX/XXXX. The payment for this loan is XXXX/mth that is crazy who does this? That is so fraudulent, this amount only pays interest on this loan who does that? Navient that's who!! I want to be done, I will pay XXXX directly or with a settlement letter of {$3500.00} to Navient nothing more. I am XXXXyrs old my husband is XXXXyr we are being taken avantage by this company.

Please help us to settle this fairly.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex-business partner opened up this account and went into default without me knowing... 

This situation has had a severe negative impact on my credit score and my ability to obtain credit to refinance my house or lease or finance a new vehicle. Since XXXX, Ive had nearly perfect credit. I never missed or made late payments. I worked hard to take my credit score from XXXX to all the way over 800 this past winter. 

Unfortunately, due to circumstances beyond my control, my credit score has dropped below 650. I had a previous business, XXXX XXXX, in which my ex-partner knowingly used credit cards that were in the business name, but had me as the primary account holder. He ran up the credit on this Chase Ink Card ending in XXXX to a balance of over {$41000.00}. 

I learned of this situation when I started receiving phone calls from Chase. I did not have the necessary resources to eliminate the outstanding debt at the time, so I decided to hire an attorney to sue my former business partner. Enclosed is a copy of the legal documents. 

After months of negotiation with his attorney, we finally reached a settlement agreement ( also enclosed for your review ) and he proceeded to pay off the balances on this account, as per the terms of the agreement, during the week of XX/XX/XXXX. 

Unfortunately, this occurred a few months too late since the late payments were already reported to all credit agencies, which had a severe negative effect on my credit score. This is true even though I attempted to explain the situation to the credit card companies and sent them copies of the litigation documents and settlement agreement. 

Respectfully, I am writing to ask you to please review my entire credit history and make your decision based on its totality plus the information I provided above and the enclosed documents. 

The fact is I had a nearly perfect credit score until this situation, which was beyond my control, occurred. My bills are always paid on time, and balances are paid in full, including my personal and business XXXX XXXX and Chase Ink cards. 

I am a family man and work as a XXXX  in XXXX. I work very hard to keep my credit as perfect as can be. My biggest fault is that I trusted my old business partner who is also a relative, a mistake I will not make again in the future. I believe this blemish should be removed from my record and my excellent credit score should be reinstated. 

Thank you for your prompt consideration, as it continues to severely impact the life of me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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 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