BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-26
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Im trying to get a payday loan so i can make it to work until i get paid this coming Friday. I have direct deposit set up with in my pnc checking account. I have only received one paycheck in the amount of approximately 500 dollars since I went back to work XX/XX/XXXX. I cant get the loan because I cant attach my pnc account to this app, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : INQUIRIES NAME AND DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-02
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting to all three credit bureaus ( XXXX, XXXX, and XXXX  ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ; US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX ; FCRA Section 623 ; XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX ; and FCRA Section XXXX Part ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Stellantis Financial Services US Corp.
State: NC
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 recently checked my credit report and saw that on XX/XX/2022 FIRST INVESTORS FIN ran my credit. I did not authorize this. This inquiry has caused my score to decrease. I fear that my identity has been stolen.

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 2023-02-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 American Express Bank received a written request from me to close my certificate of deposit ( balance of $ XXXX ) early and transfer the proceeds to a high yield savings account with the same bank. The form indicates it would be 13 days to complete closing the account and transferring the funds, not specifying business or calendar days. On XX/XX/XXXX I contacted American Express Bank to determine what the status of the account closure and transfer was since it had not been completed yet. I was told that there was a backlog and that it would be closed the following Monday, XX/XX/XXXX or Tuesday XX/XX/XXXX, at the latest. Today is XX/XX/XXXX and the account has still not been closed and the funds have still not been transferred to the savings account. I contacted their customer service and after speaking with a customer service rep, she was unable to contact someone in the " back office '' to determine what has happened and why they have failed to close the account and transfer the funds. I feel they are deceptive in their disclosures when closing an account with them. Since this is an internal transfer within their own bank, this should not have taken well beyond their own indicated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A BANKRUPTCY WAS FILED IN MY NAME AND I DID NOT DO IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: LA
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 have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus EX and XXXX. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the XXXX and Experian has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX  to substantiate validation of a dispute from Ex or XXXX. Furthermore they have no record of a dispute or validation request from either XXXX  or Ex concerning a Mortgage I had or have with 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 2023-02-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX Wells Fargo emailed me that they shipped my new Visa Credit Card. I have never applied for one or asked them to open one in my name. They did this without my consent.

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 2022-04-12
Company: EQUIFAX, INC.
State: NJ
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 an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2022-12-31
Company: EQUIFAX, 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 has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: OR
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 had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX  claims I owe.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: NC
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:
The enclosed statement is from the creditors investigation. Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit bureaus stated my consumer report with account XXXX XXXXXXXX was properly investigated, but how is that possible if the open date is inaccurate, the last active is inaccurate, Two-Year payment history is incorrect, and date last reported is not accurate. Also Experian is reporting paid and XXXX is stating derogatory. 15 U.S. Code 1681 ( a ) speaks about the Accuracy and Fairness of Credit Reporting. These inaccuracies are grounds for deletion.

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 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX Received notice that a hard credit inquiry was attempted on my credit by XXXX XXXX. I reached out based on the information given to me, From XXXX XXXX Type Miscellaneous Contact XXXX XXXX XXXX XXXX, TX XXXX United States XXXX No one answers the phone.

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 2019-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My collections were deleted through the credit consumers but does not show on my credit report through the credit bureaus. These actions of debt removals were taken in the month of XX/XX/2019. and the action that was taken was collections being disputed and then deleted, I have documents to show.

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 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received XXXX emails indicating that a Bank of America Checking account was opened in my name. The first email stated I was approved, the second stated my debit card has been shipped to me. I never applied for a Bank of America checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
I had disputed this account previously -- - each and every time they claim that they have verified and information are correct. But they had failed to properly investigate the information as I found several incomplete and inaccurate information across all 3 bureaus for this same account.

Company said they verified -- - however, there are missing payment data for years, the date last active, date last paid, date last reported, date of status update were either missing or incorrectly, incompletely reported.They said its verified as accurate but failed to update the date last reported. In addition, there should NOT be any activity after the account is closed or charged off -- - yet some of these are incorrect, inaccurately reported. Reports also had different dates. Delete this account as Notice of disputes, date last disputed were missing, incomplete or inaccurate and not entered within 30 days of receipt -- -this account MUST BE DELETED for violation of Section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB letter mortgage complaint Bait and switch by mortgage lender. Flagstar lender said loan modification was approved in XX/XX/2022 and I was in hospital and ill all month with second XXXX XXXX and missed XXXX  XXXX mail with deadline of ( 10 days ) to sign in XX/XX/2022 and when I found XXXX  XXXX upon return to home, I called Flagstar and they said they would redo mod and for me to wait and watch for new XXXX  XXXX package coming soon in XX/XX/2022 for signing and I return my agreed to XXXX XXXX mail signed loan modification docs asap time is and was critical and I accepted on the phone and thanked representative XXXX in loan modification escalations at Flagstar for finally after 4 years of being dragged through the mud they approved and accepted my mod and I mutually agreed and accepted with my attorney realtor on third party conference call and my wife with me on the phone. Two weeks went by and I called to ask where was my package. They said that they could not do it again and they changed their mind. They never called back. Nice of them to lie. They wasted all this time I have no money and nowhere to go. They did not keep their word. I have since been waiting again for a response they are no where in sight. I call almost every day and get lip service. I have notified FHA too. I kept my word throughout the entire process!

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 2023-06-26
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello this is regarding my vehicle with Global Lending acct # XXXX my vehicle was totaled loss in a natural diaster the vehicle was paid off through vehicle insurance and Gap. however, this company reported my vehicle 30 days late XXXX so my request is two fold, first i ask that the company remove the late payment and also update the records to reflect that this vehicle has been paid off.

Company response to consumer: Closed with explanation