BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Opened a new Wells Fargo account for a store specific line of credit to purchase large appliances. First statement arrived on XX/XX/XXXX with a minimum payment of {$61.00} due on XX/XX/XXXX. Made a payment of {$200.00} on the day the statement arrived.

On XX/XX/XXXX we logged in to the website to see if a new statement was available yet, and the website told us that our minimum payment of {$54.00} was past due for XX/XX/XXXX. The {$200.00} had been applied to our account on XX/XX/XXXX, taken off the balance of the account, but had not counted as a payment during the first billing cycle. 

Contacted Customer Support on XX/XX/XXXX and was told that we needed to not pay on the day the statement was available and that we should wait a couple days to make sure out payment is applied correctly. Late fee was waived on the condition that we made an additional {$54.00} payment that day.

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 2022-12-20
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.

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 2023-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CBNA with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I received notification from monitoring my credit reports that the following creditors, without authorization or permissible purpose, fraudulently obtained my credit reports. Without my authorization this information you are reporting was not solicited by me at anytime and therefore is not of any fact and the data you are falsely reporting is fraudulent in nature and inaccurate. 

Utilizing the respective statutes under the Fair Credit Reporting Act, I am citing its respective sections within the act to ensure your company reports my data accurately and with all fairness to my credit report. I am requesting that you suppress and block the information that is currently reporting by deleting its reporting. Please see below the string of creditors and dates disputed. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX  XX/XX/XXXX By finding the lack of permissible purpose initiated by the respective creditors, as required by law, I request you investigate and complete your investigation by removing the solicitations/inquiries off my credit. Please place a fraud alert on my file to prevent further reporting and add my telephone number. 

I respectfully request a copy of my updated results and credit report. Your attention is requested and appreciated in correcting my information. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX 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 2023-09-12
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This agency is reporting inaccurate information The balance is incorrect I do not owe this complex that amount XXXX XXXX ever there for XXXX months the lease clause state that if the lease is broken 2xthe rent will be accessed.Agreed rental amount XXXX per month. 
Incorrect reporting, Per consumer reporting act Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days.

Please remove from all bureaus Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I have received updates from XXXX and my credit score shows on XXXX XXXX, same day received update from Chase Bank that my score on XXXX  is XXXX which is obliviously incorrect since they claim is from the same source. 
Chase Bank is modifying credit score to put customer in disadvantage when applying for credit or mortgage. I did re-finance my mortgage last year with chase and they used much lower score for my application then what was on all 3 credit bureau. 
Also they pulled my credit report twice and now that has big impact on my credit ability. I have contacted them to remove second inquiry and they wouldn't do it This practice will cost mu thousands of dollars for the time remaining on my mortgage, someone needs to investigate this practice, Im not expert but believe this is against law and violates consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-09-04
Company: Diversified Recovery Bureau LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Diversified recovery Called my ex husbands wife  and left a message for my ex husband to call back. When he did they told him there was an issue with my social Security card and number. When a call back was made requesting they not call them the representative ( which was a woman who didnt give her name ) began asking questions about if he was the father of my child and asking question about our child ( who happens to be a minor ) It is illegal to call random people you think I may know lying and asking for my Social Security number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need an extended fraud alert on my credit files as I am a victim of identity theft. I have sent 9 requests to Equifax and yet I still have only a 1 year alert on that file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recieved a debt collection letter dated XXXX claiming I owe $ XXXX XXXX XXXX. I have no knowledge of this company nor have they tried to reach out to me in any way. File XXXX Claim # XXXX. I am not liable for anything to XXXX XXXX or AFNI. I have never heard of this company XXXX XXXX and there is no loss data included in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase a dog for my mother that she found on line, the price of the animal was to be {$600.00} with shipping from allegedly Montana. I was speaking with the guy over the phone trying to gauge some sort of authenticity about him. I checked the website also trying to avoid being scammed. Since I was not sure or trusting I reached out to my banking institution, Wells Fargo for some clarity and assurance about making said transaction via XXXX on XX/XX/2020. the gentleman that I spoke with told me that my money would be covered if I did not get what I was purchasing after I explained what my issue was with the seller. After I was assured by my bank that I was protected I proceeded with the transaction over 2 days time sending {$500.00} on the XXXX of XX/XX/2020 and {$100.00} on the XXXX to XXXX XXXX. Shortly after I started getting the run around about the dog. Then I called Wells Fargo to dispute which went well, they told me give it 7 to 10 days for the matter to be resolved. I then reached out to them again and now they are telling me it is nothing they can do because I initiated the transaction even after talking to a supervisor. They also apologized for the first guy giving me false information but its out their control. My issue is had I not been given the assurance from them the transaction would not have been made because I was already suspect of fraud. So now I'm out of {$600.00}, can someone 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 monetary relief
Consumer complaint received 2022-04-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2018-07-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient received two payments from my bank one on XX/XX/18 and one on XX/XX/18. They refunded one of the payments on XX/XX/18 but did not post my payment to my account. They say they never received the second payment, that my bank refused to pay it. I have sent copies of my bank statements and a letter from the bank confirming that both payments were sent and only one was refunded but they still refuse to post the payment to my account. I have sent this information numerous times to no avail.

Company response to consumer: Closed with explanation