BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX SS XXXX  : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX  - Date of inquiry : XX/XX/XXXX b ) XXXX - Date of inquiry : XX/XX/XXXX c ) XXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX e ) XXXX - Date of inquiry : XX/XX/XXXX f ) XXXX XXXX - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/2023 I have communicated to XXXX, transunion, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im sending this proof that the account of XXXX XXXX must be remove because is inaccurate and dont match with any other credit reporting company

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 2023-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2018-02-20
Company: NATIONSTAR MORTGAGE LLC
State: MI
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 report shows a real estate account as open that is closed. 
Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. 
I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CORELOGIC INC
State: NV
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 used the company to see if my credit was high enough for their services XX/XX/XXXX, then on my credit report it showed two hard inquiries another one on XX/XX/XXXX and I don't recognize the second inquiry. and that put 4 hard inquiries on my credit report and that's costing me points. I tried to contact them but their are to many companies with that name.

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 2023-01-09
Company: Experian Information Solutions 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:
XXXX, XXXX, Experian are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX of XXXX I went to federal prison and had a chime bank account when I got there all my property was sent to my sister 's house she never got the package that contained my wallet my cell phone bank cards social security and drivers license XXXX I got out in XX/XX/XXXX I discovered everything was gone XXXX from the bank acvount.turns out after looking at the statements someone from the neighborhood took the package from her porch and cleaned the account out I know thus because he put his name on it when I reported this to the bank they told me they would investigate the matter I sent them documents from the dept of Justice supporting where I was for thst year and documents about the individual who did it was in custody of the state of Texas for id theft in which he was arrested and out serving 6 years right now..they told me they found no errors.thats outrageous please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXX Trans Union LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX, XXXX XXXXS -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-05-03
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan with XXXX XXXX was sold to XXXX XXXX XXXX in XXXX of XXXX. At that time, my student loan payment was {$370.00}. I have made almost all my payments on time ( with an exception after my house caught fire and another where I had an unexpected medical expense ) and frequently larger amounts than have been requested, but my variable interest rate continues to rise and so does my payment amount. I spoke with someone today on XXXX at XXXX XXXX  and asked how I could lower my payments. She told me one way to lower it XXXX XXXX, but said that every three months, my rate would continue to increase. 

This didn't seem correct to me ; I've had a variable interest rate on my student loans since XXXX of XXXX and XXXX XXXX had lowered it before when the market was good. I know the market is bad now, but she distinctly said that it would raise every three months. I sought advice from my parents, who told me to request a Terms of Service from them. I called back at XXXX XXXX  and spoke to another person who said that my rate was actually adjusted monthly. She also said very clearly that variable rates do not go down and that it would continue to rise until I hit my maximum interest rate of 18 %. 

I understand that if I had signed a contract with this company saying that, I would be at fault, but I did not. My original loan that I signed a contract for was with XXXX XXXX and my loan back then was clearly variable and amounts went up and down. I'm highly concerned about this, as I don't work in a very high paying role ( I work for a non-profit ) and if my loan will keep slowly marching to an 18 % interest rate even when I'm paying over what I owe, I won't be able to survive. I'm paying {$550.00} a month right now, which is a huge strain on me. It's a variable rate and should be able to decrease, I just need them to reassure me of that and they tell me that it won't. For the record, in XXXX of XXXX, I was paying {$370.00} ( or about 8.36 % of my annual pay ) and I'm now paying {$510.00} ( or around 11.21 % of my annual pay ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/. '' Please delete this disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, Account # : XXXX, Account name : XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX, Account # : XXXX Account name : XXXX  XXXX, Account # : 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 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 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very stressed out and please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove and recheck wrong accounts in my credit report. I would like officially to complain about as I do not recognize these accounts and inquires I have never gave any permission to any companies. Its pure Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have contacted Amazon prime store card and Im constantly redirected to Customer Service in XXXX. My credit card statement as required by federal law has only a minimum payment disclosure telling me how long it will take me to pay off my balance if I only make the minimum payment. 

This statement must also include the monthly payment needed to pay off my balance in 36 months and the total amount I will pay if I make that payment. This information is missing from the monthly statement. 

Attachment one is a screenshot of the actual monthly statement from Amazon prime store card.

Attachment two and three are the supporting documents for my request.

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 2022-03-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went into a local CitiBank branch and opened a checking and savings account based on some promotional offers being offered by the bank. About 30 days later my checking account was frozen but the savings accounts were left as normal. 

As of 2 weeks later my checking account is still frozen due to their fraud prevention department flagging the account a fraud and not allow me access to the monies deposited. I have not received any communications as to why my account was frozen. I went into the same branch again to retrieve my funds, was only able to access my savings accounts but the checking is blocked. 

Where is my deposited monies.

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 2023-10-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX they froze my account ending XXXX ; XXXX and places holdings on my accounts and I never received my funding

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 2023-05-03
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC Check # XXXX Fraud Complaint 2023 XX/XX/2023 - Check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX the amount {$4500.00} from PNC Bank account # XXXX. It was mailed the following day to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Check # XXXX paid/posted to my account. I did not verify the payee as I have been mailing checks to the payee at this address for 4 years. 

XX/XX/2023 Monthly invoice from XXXX XXXX XXXX XXXX of XXXX was received. The {$4500.00} credit was not reflected in the balance. I then reviewed the check copy and discovered the fraud. The payee had been covered with a plain sticker and the name XXXX XXXX was written in the payee section. The back was endorsed by XXXX XXXX and deposited to XXXX XXXX mobile banking. 
Both XXXX XXXX and PNC Bank honored the altered, and thus fraudulent, check. 
I immediately contacted PNC Bank. PNC Bank then mailed an affidavit to me to be completed, signed, and notarized by XXXX XXXX XXXX XXXX of XXXX XX/XX/2023 I met with XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX who completed the form and had it notarized while I was there. She informed me they had filed a police report and a postal investigation. 
I took the completed form to my PNC branch that afternoon. It was then faxed internally to their fraud department. 

XX/XX/2023 I followed up with PNC customer service having received no response from their fraud department. I was directed to the XXXX department line, XXXX, option XXXX. No one answered the phone. The recording instructs the caller to leave a message and they will respond within 48 hours. No response received. 

XX/XX/2023 Another follow up call was made to the XXXX department line. Same recording. No response. 

XX/XX/2023 I contacted the local branch representative, XXXX XXXX, who had faxed the affidavit on my behalf. I asked him to file a complaint. He did. He received the same non-answer/no response from the XXXX department. 

XX/XX/2023 XXXX XXXX called me after making several inquiries on my behalf. He also sent an email stating he was told PNC policy and procedure which is 120 days to resolve check fraud. He also said he was told PNC views this as XXXX XXXX problem and their time frame is 240 days. XXXX XXXX is the only person at PNC who has shown any interest in trying to resolve my issue. 

120 240 days is total and completely unacceptable. Neither bank should have honored the check. PNC needs to credit my account ASAP. This is a clear case of fraud. PNC should have never paid the obviously altered check.

Company response to consumer: Closed with monetary relief