BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a very good credit rating, but I was late on one payment to the Bank of America. I have been a customer for over 30 years and thought with my payment record that they might waive the late fee. I was told that there is a law on the books that they have to treat all customers equal, therefore they could not give me a waiver. So I went on line to see if there is such a law and was not able to find anything regarding this law. I want to know that in fact this is true. Can you please help me with this? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of Identity Theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of identification. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report, failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: City Enterprises, LLC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This vehicle was voluntary surrendered XXXX or XXXXXXXX XXXX XXXX in the height of Covid 19. The vehicle was sent to a repair shop of the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Pace Financial was aware of this. The truck was a death trap, shouldve never been sold to a consumer, previously wrecked vehicle. The truck was sold at an auction and since has been charged off! However I never received any info regarding the remaining amount and pace is reporting a different amount to the credit bureaus every month. The amount and information on my credit report 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 explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.

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 2022-12-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted transunion and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to transunion and neither companies neither transunion removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine 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 
I need transunion to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by transunion and need them removed. Also please do not authorized any company neither transunion to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.

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 2023-06-07
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2021-09-28
Company: EQUIFAX, INC.
State: PA
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:
fact, I the affiant is aware and have proof that Equifax has and continued to violate my consumer privacy rights. I the affiant observed 35 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Public record information inaccurate

Complaint:
The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' XXXX XXXX is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate. 

XXXX XXXX has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.

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 2021-05-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. 
Well 's Fargo response is inaccurate. Again Wells Fargo Sold the loan in XX/XX/XXXX when I was current on my payments and never Notified me that the loan was sold. I'm not talking about the foreclosure in XXXX that was also dismissed by Wells Fargo, I'm taking about the foreclosure in XX/XX/XXXX when the loan was Bought out by XXXX  The loan was sold in XXXX and the Billing statement from Well 's Fargo in my attachment confirms that. Well 's Fargo is speaking in circles and Avoiding the facts of my complaint. Well 's Fargo admits that XXXX and XX/XX/XXXX mortgage payments were made for those months on time. Why is it showing as 30 days late, and unpaid on my credit report for those months which needs to be corrected. Also again Well 's Fargo no longer had possession of the loan after XXXX then filed foreclosure. Meaning that the payment History from XX/XX/XXXX to XX/XX/XXXX should be removed from my Credit report.

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 2023-06-07
Company: Upstart Holdings, 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:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TX. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: WA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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. 

Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX bankruptcy petition Reference Number : XXXX Record Type : XXXX  XXXX bankruptcy discharged Reference Number : XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
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:
Credit cards & accounts have passed the statute of reporting. I put in disputes with XXXX, XXXX, & TransUnion but the accounts still remain without explanation. Cards in question & dates closed. 
# XXXX XXXX XXXX XX/XX/2018 # XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 XXXX XXXX XXXX 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 2020-05-22
Company: LEXISNEXIS
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:
On XX/XX/2020 I have disputed a bankruptcy that Lexis Nexis is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, XXXX and XXXX is reporting as the information was verified by Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX breach, and the black market, I need these to be removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I took a Home Equity Line loan from PNC mortgage. The loan had a principal balance of {$42000.00} and a 3.5 % interest rate. This gave me a payment of $ XXXX  monthly. I fell behind on my HELOC during the pandemic when my income was negatively affected. When my income stabilized and we had adjusted to living with COVID I called my lender and asked for assistance I was offered a repayment plan with a 6 month payment of {$1800.00}. I advised that I work in a commission based job and that was unaffordable. We then sent in a full modification package that included my pay stubs, my modified first mortgage, auto loans and a full description of our monthly expenses. On XX/XX/2022 PNC offered me a modified payment of {$1000.00} for the remainder of the life of the loan. I have included my paystubs and the offers from PNC in this complaint. Not only does my income not support this payment without commissions which are not guaranteed but it is also almost 3 times the amount originally agreed to. I then asked for a second review and PNC would not adjust the amounts. I would not have signed a loan with this monthly payment. I do not believe that PNC should be able to triple my payment when I sent information that it was not affordable. I have also included the successful modification with XXXX.

Company response to consumer: Closed with explanation