BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
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 fraud alerts or security freezes

Complaint:
On XX/XX/2022, I tried to access my Transunion account to temporarily remove a freeze as I'm trying to purchase a vehicle. However, my password wouldn't work. I then tried to reset my password and was told to call their customer service number. That day I called them and also messaged them on XXXX at least 5 times, and it was never resolved. They would reset my password and say that I would receive an email. I would get the email but their temporary password would never work or it would work, I would log in, but the website would let me in, but I couldn't unfreeze my account. It would log me out. The customer service rep said that there would be maintenance done on my account and to wait 5 days and a supervisor would call me. No one called. On XX/XX/2022, I tried again to remove the freeze and couldn't get on my account. I spoke to 3 different reps and was told 3 different answers. I was able to get into my account again, but then it logged me out and didn't allow me to get in again. I asked them to unfreeze it and they said they couldn't. They said there was an error on my account for mismatched information. I have the credit report they sent me a month ago, and everything on there is correct. So I don't know what mismatched information they have and they couldn't tell me. One rep gave me a Case # of XXXX and told me someone would call me back in 5 minutes. 90 minutes later, I called them back because I got no phone call. They told me it would be 3 days, not 5 minutes. Once again, I have an appointment with the dealership and can't go because Transunion refuses to fix my account. I can get on XXXX XXXX and see my report, I can get on MyFico and see my Transunion report as well, and there are no errors, my information is correct. However, Transunion, the company, says my report has errors and won't let me unfreeze it. I'm beyond frustrated and tired of getting the run around from them. Denying me access to my account can't be legal. Waiting almost a month to gain access can't be legal either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom it may concern My name is XXXX XXXX, and I am writing to thank you for working with me during a time of hardship which occurred while I held a credit card with your company. 

I have XXXX son who is XXXX, and another who is XXXX. For a period, our family struggled to balance mounting costs associated with my sons ' conditions. In addition, my wife had to drop from working full time to part time in order to provide additional support for them. Our family made several difficult decisions which included selling our home, and moving out of state so I could accept a job with a higher salary in order to be able to pay for and provide them with the services which they require. 

The period of XXXX was a humbling time in particular as I watched my expenses rise to a level where I had difficulty making all of my payments for my obligations on time. Until then, I had never missed a payment on a credit obligation in my life, including during the 10 previous years in which I held this card. It was during this difficult period that PNC Credit Card Services charged-off my account. 

I am happy to report that over the last 3+ years, our financial situation has stabilized. I have not missed a payment on any open account. I have diligently worked to resolve any outstanding debts as well. 

Recently, the home which we had been renting was unexpectedly sold, and we are now forced to quickly find a new residence. As stability is vital for children with special needs, we are attempting to buy our next home. However, it has come to my attention that the late payments and charge-off from this PNC Credit Card account has lowered my credit score to a level which makes it impossible for us to obtain a mortgage. 

Therefore, I am humbly requesting that PNC remove this account from my credit report, or report " no data ''. I ask for this gesture of goodwill based upon our family 's circumstances. Further, I stress that I take my financial obligations seriously. This can be seen by the fact that I have resolved all outstanding financial matters which I incurred during those years. 

PNC has an outstanding reputation of caring for its customers, and doing the right thing. I humbly ask that you consider my request which would greatly help our family. I am just a father doing his best to provide for his children, XXXXXXXX XXXX which require care beyond that of a typical peer. I am happy to further answer any questions you may have and provide additional documentation if needed. 

Thank you for your time and consideration XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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 XXXX Account XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was fraudulent charges on my account a I tried to dispute it a they refused a said they were closing my account. There was a balance of roughly XXXX XXXX my account I never received a ck or nothing. I had direct deposit going to that account. Which I dont even know what was ever deposited. I was forced to get another account elsewhere

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 called TransUnion on XX/XX/2022. To request a copy of my consumer file went through all the promptus talk to a representative named XXXX the directed me to call a different number and then I couldn't get a hold of no one else. Per 15 usc 1692g.

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 2022-04-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My experience with the credit agency Equifax Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've been dealing with Identity Theft since XXXX, XXXX. My Emails were hacked, and I immediately contacted Wells Fargo and had my checking account, my Retirement Savings, and my newly received Wells Fargo Charge Card deactivated and disabled. Still, Wells Fargo and their mismanagement of my accounts allowed {$8800.00} of my monies to be removed in a fraudulent manner, after I had everything in place to prevent this. Consumer Finance Protection Agency, Office of the Comptroller of the Currency, and the FDIC Consumer Response Unit are in Custody of my claims against Wells Fargo. Of all the Banks, Credit Card Companies, etc. that have been involved in my Identity Theft, Wells Fargo has been the ONLY Financial Institution that has been so difficult, next to impossible to work with. Wells Fargo is not a Customer Oriented nor Customer Friendly Company. 
I have an XXXX XXXX XXXX XXXX who has been working " hand in hand '' with myself relevant to my Case. I contacted Wells Fargo and made them aware of this. Wells Fargo instructed me to send them a notarized Power of Attorney to validate this. Therefore my Fraud Restoration Specialist would have access to my accounts as authorized by myself. I, of course, submitted the necessary paperwork to Wells Fargo. 
XXXX XXXX XXXX XXXX My Case XXXX XXXX XXXX  XXXX  ID Restoration. 
I immediately complied with the requests of Wells Fargo -- - and still Wells Fargo doesn't allow my appointed person and Company, to have access to my information to seek proper resolution. 
So ironic, is the fact that Wells Fargo basically shut me out of my accounts, for several months and refused to give me access to my accounts -- even with proper ID, yet seemed to give these identity thieves free access to drain all my retirement monies, even after I had everything set in place to prevent 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 2023-05-16
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: AL
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:
To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX XXXX  account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation. 
Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
2. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
3. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX. I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from 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 2023-05-16
Company: Experian Information Solutions Inc.
State: FL
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 HAVE NOT APPLIED FOR NEW CREDIT - NEED ALL THESE UNAUTHORIZED INQUIRES DELETED FROM MY CREDIT ALONG WITH ALL COLLECTION ACCOUNTS

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 2023-05-16
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:
I only owned XXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX  card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX  times and must had called them XXXX  times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX  months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I pulled my credit report and noticed that my utilization rate is being reported on my XXXX account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, TransUnion and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 tons of HARD inquiries from Capital One and car companies. I havent applied for either EVER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NC
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:
About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : XXXX XXXX : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/20XXXX XXXX XXXX XXXX : XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account with {$3600.00} in it without reaching out to me first. I called them and they told me that I need to send an email because they have limited access to it information.

Company response to consumer: Closed with explanation