BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PNC Bank N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft PNCBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a victim of fraud back in XXXX XXXX XXXX XXXX 2022 to both business and personal checking account, at Wells Fargo, I have failed claims, but they have Only honored and return the money of my business account, its been eight months And they keep giving me the runaround. The claim both personal and business are from the same incident why find one in my favor and not the other? This account is both under my brothers name XXXX XXXX and myself. They dont want to honor it because they claim XXXX took the money, But my brother XXXX XXXX XXXX  when this happened from XX/XX/XXXX to XX/XX/XXXX XXXX 2022, and I will enclose copy of his XXXX And police report. His credentials were used while he was XXXX XXXX to open accounts at other locations, at that time money was transferred to the fraudulent accounts they were open and that is how the money was withdrawn

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 2022-10-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I sent " XXXX XXXX '' {$400.00} through XXXX for a deposit on an apartment that I wanted to rent. Prior to me sending my money I called Chase bank to find out if anything went wrong with this transaction, if could I get my money back and the Chase representative told me yes, so I then proceeded with the matter. After doing a XXXX search to the property that was advertised on XXXX 's list, I found the number to the property management/broker in the window. I called the broker and they reported it as a scam and informed me many individuals were inquiring about the apartment, and the person who claimed to be the tenant was not registered as the occupant of the property. I tried to get a refund from this " scammer '' and failing to deliver my money back I called Chase to report the issue. After 10 days, Chase representatives said they were unable to recoup the money from XXXX and that they were unable to refund my account of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved 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 60 days so it 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 data breach and may have got into the hands of the wrong person. 

I attached the original letters I've sent to them trying to resolve this problem! 
Please see files attached!

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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2020-08-07
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: Account information incorrect

Complaint:
This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is

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 2021-10-26
Company: Credit Plus Inc
State: GA
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 these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries Credit Plus XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, 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 2020-08-07
Company: EQUIFAX, 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to link account to XXXX XXXX  to try and receive a loan. I am unable to link my Pnc accounts from Pnc side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was account holder with XXXX when capital one took them over and I was given LOC to the check account in 2012?. 
I never had problem and paid back with interest. 
This last week I saw XXXX of my credit card was changed NSF fee and weekly transfer were denied. 
Called earlier today and was told product was not offered anymore but I was never notified and I saw nothing on monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties. Then they totally removed my score and deleted all of my positive credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : REAL TIME RESOLUTIONS INC XXXX XXXX XXXX XXXX, TX XXXX harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XXXX everything went upside, and my wife had XXXX this is the 2nd Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX  years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX  and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX  had it back XXXX, they closed down and the company is NO LONGER in business and XXXX  XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX and XXXX, three payments were taken out of my account through XXXX to an account owned by someone named XXXX XXXX. One payment of {$150.00}, one of {$50.00}, and then one of {$50.00}. All three were unauthorized by me. XXXX does not allow me to recover any money. I called Wells Fargo about the missing money and they conducted a fraud investigations and said that it was my fault ( they denied my claim ), so they closed my account and made me a new Wells Fargo bank account. I am still missing the {$250.00} even though I know the name of the person who took the money and Wells Fargo knows their XXXX account and email. The day the money was taken I also made a police report. I no longer have access to the bank account because Wells Fargo closed it, since they said it could be at risk of hacking.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to all 3 major credit bureaus, asking them to verify some accounts and to do a full investigation on everything on my credit report. They all stated that everything was accurate, which was not true. I found some inaccurate items still reporting on my credit reports. There are may items reporting on different dates some items show that the accounts were open on different dates, so how can this be accurate. My credit report show be accurate across the board and should not have any discrepancies in dates and balances. This is not the case in my situation, and accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. 1. XXXX XXXX XXXX Account XXXX XXXXXXXX 2. XXXX XXXX XXXX Account XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : states that a consumer reporting agency cant furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. 

I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. I have requested this company to show my the original signed contract and they have not ; therefore I demand this account to be removed and deleted from my credit report immediately. I have made a complaint to the CFPB before and it looks like they responded saying a telephone number dispute was the reason my account was updated and not deleted. This is not what 5 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section state so by law this account should be deleted from my credit report. 

Also I have reached out to TransUnion numerous times and all they have done was send out a letter stating me to verify my address which I have sent in 3 certified letters with proof of resident. I've sent my state issued ID, bank statement, pay sub from my job, and credit card statement all by certified mail. So please delete this inaccurate 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
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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