BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i just went over my credit report and noticed errors on my file

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 2023-01-10
Company: Experian Information Solutions Inc.
State: HI
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 attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Experian does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
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 belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 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, 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 items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-03-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 2023-06-13
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have several problems with PNC bank they changed my monthly minimum payment from {$50.00} to {$160.00} per month. And never told me so they could say I missed payments and started charging me {$37.00} late fees. No one with a {$1500.00} balance pays {$160.00} per month minimum payment that is absurd greedy and just wrong. They need to be stopped. Also they wouldn't let me make a {$5.00} charge to pay for a {$5.00} XXXX skilled trades ad but they let someone on Arkansas use my account twice XXXX XXXX 2023 and XXXX XXXX 2023 for purchases of {$17.00} and {$16.00} saying I had to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-04-24
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:
They are refusing to dispute my accounts they are saying someone else didnt authorize a dispute when I authorize it and I type up dispute letters and send them off. They keep saying I didnt authorize those dispute when I did.

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 2021-10-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I discovered someone had used my debit card to make 52 different transactions for the purchase of online gift cards. The total was a little over {$6300.00}. I contacted Suntrusts fraud department and reported it the day I made the discovery. I was told by two different employees that it would be investigated and if fraud was detected the funds would be returned to my account within 10 business days. On XX/XX/2021 ( 11 business days ) I was contacted by email from Suntrust and they stated may claim had been denied. I contacted the fraud department and they were no help at all, would only state it was denied due to inconsistent information and evidence. They were either unable or unwilling to provide me with any information on why or how any information or evidence was inconsistent. During the so called investigation I was not contacted by anyone from Suntrust for any reason. So now I have to file paper work disputing the results of there investigation, and wait 45 days. Im a XXXX  XXXX of 20 years so I myself have investigated hundreds of fraud cases and I could have easily came to the conclusion that the transactions were not made by me in a day. In 20 years in XXXX XXXX I have never seen a bank reject a fraud case like this. Its a shame someone can go through my bank to steal my money and Suntrust allows them to do it and then denies my claim.

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 2021-10-07
Company: Experian Information Solutions Inc.
State: NY
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 was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-11
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been applying for public service loan forgiveness for months. My paperwork is not being handled in a timely manner and Im ready for these loans to be DISCHARGED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CITIBANK, N.A.
State: NY
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:
Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from XXXX and a charge off by Bloomingdales all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's

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 2021-10-07
Company: Comerica
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Previous complaint to Comerica Bank ( XXXX ) was forwarded to the Direct Express Cardholder Advocacy Group XXXX who sent emails to me, requesting additional information. They provided a telephone number ( XXXX ) XXXX and email address, XXXX. ( Wrong information from Comerica caused me to withdraw that complaint and initiate another that went to Direct Express. That new complaint was deemed a duplicate and closed. Fortunately, the first complaint had reached the correct target. ) I received the first email on XX/XX/2021 in which the advocate asserted that she had made more than one attempt to contact me by phone and left a voice mail message. My phone records did not show any missed calls nor did I receive any voice mail message. The second and third emails were sent to me on XX/XX/2021 and included a letter telling me I have until XX/XX/XXXX to contact them or they will close their investigation. I have made repeated calls to the phone number provided and always get voice mail. I also sent several emails outlining the reason for my dispute and providing them my contact information. Direct Express representatives have put in requests for the XXXX XXXX to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX XXXX XXXX  public record was removed by XXXX in XX/XX/XXXX because inaccurate information was listed. Although the public record was removed, I still have XXXX accounts that still show the " included in XXXX XXXX XXXX '' remark, which I've now disputed over XXXX times because the Status updated date is not correct and should match the date of when the case was filed in XX/XX/XXXX or the discharge date of XX/XX/XXXX. Neither date is shown for the Capital One or XXXX XXXX XXXX XXXX  accounts XXXX Each company has allegedly verified the information as accurate, which it is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
XX/XX/2021 XXXX XXXX XXXX and Experian committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with 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 explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation