BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, and the XXXX XXXX XXXX XXXX  stating that this item will be removed from my credit, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Applied for a pre-order qualification with Indigo Master card, they did a hard pull on my credit report without my permission, it was only supposed to be a pre-qualify, as advertised. I called the co! pant and told them I didn't accept an offer, that was supposed to be a pre qualify. They said I did the pre qualify I applied for the card I said I did not accept or decline an offer it just went straight to applying not pre qualify. They said they would cancel the application but, that it would show up on my credit report as an closed account, and that they will not remove the hard inquiry, or not list the card on my credit report as a closed account, which I disagreed with. They won't help me I spoke to a manager they will not remove anything, they just asked me if I'm sure I don't want to get the card, I said I don't want the card and the the company is deceptive. It says you can pre qualify with no harm to your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to Penny Mac for help regarding a Modification. This has been on going for 8 months. They first tell me I do not qualify due to Income so I added my Spouse. We provided them all the documents they ask for. I even informed them that My spouse and I recently got married so everything all my spouse personal information DL or SS card has been changed to legal new name. Penny Mac sat on all this information and offered no resolution. We still in a Pandemic a most offices are allowing you to only mail in documents to be proceed, Like the Social security office you can not come into the building everything has to be done thru mail. We have provided Penny MAc with every document to show that we are working on getting my spouse legal named changed. the email from the underwriter states my spouse SS card the last name doesn't match and now this letter states DTI issue.I spoke to XXXX " LEVEL II '' mgr and he went over the finances for the reason of the Denial and the Underwriter " XXXX XXXX '' did not add my spouses income like she advised that would be needed. I explained to him that I have been in contact to mare that everything the underwriter asked for she received and to find out she did not even use my spouse income like " she recommended '' is just frustrating. I want PEnny Mac to pull the Calls from today XXXX and XXXX to heat how UNHELPFUL their Employees have been During a pandemic. The Mgr just brushed me off with " Ill file a complaint '' which does not resolve the issue at hand. PennyMac was so quick to deny me for help but quick to suggest foreclosure. It's frustrating because they offer no help to try to resolve the issue. Please help as I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: MO
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:
{$540.00} XXXX XXXX XXXX, I have no idea of this 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 2021-08-09
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
By the poor service received from this bank, today XX/XX/2021 I sended a order letter to close the account immediately, the bank dont want to close my account. Here I attach letter sended by email and fax to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-08-08
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SUBJECT '' VACATING '' MY TREE VIRTUAL WALLET WITH PERFORMANCE SPEND RESERVE AND GROWTH ACCOUNT ILLEGALLY CLOSED IN PNC BANK XXXX MONEY IN THE ACCOUNT FRAUD .HELLO I DEPOSIT CHECK CASH IN ATM PNC BANK XXXX BUT BANK XXXX XXXX THEY WRONG DEPOSIT MY AMOUNT WHAT I REQUEST AFTER THAT THEY CORRECTED AFTER THAT I TRANSFER MONEY TO THE XXXX ATM BANK CHECK ON AMOUNT XXXX AFTER THATI WENT TO THE BRUCH TO PNC BANK AND WORKER CALL TO MAIN OFFICE TO THE XXXX XXXX WHO HARD LOCK MY ACCOUNT AND ASK ABOUT MY DETAILS WHY CHECK WAS RETURN BECAUSE MY CHECK HAS WRONG SIGNATURE ALSO BECAUSE I OWN THE MONEY TO DIFFERENT BANK SHE TOLD ON THE SPEAKER TO THE PHONE TO THE WORKER IN BRUNCH XXXX XXXX XXXX XXXX XXXX ILLINOIS TO BILL XXXX  AND HE TOLD ME I HAVE HARD LOCK ACCOUNT AND ACCOUNT IS CLOSED AND IS XXXX ON MY ACCOUNT.THEY ILLEGALLY CLOSED MY XXXX ACCOUNTS VIRTUAL WALLET WHAT IS JOINT WITH FAMILY NAME XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXX XXXX  it's also a closed account and XXXX XXXX  and it also is a closed account all of the inquiries have been removed from Experian but not XXXX and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.

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 2021-08-09
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a chime account and the following month i had my XXXX ssdi check auto deposited to it. Then 6 days later I went to pay my bills and a pop up screen informed me the account was closed. Chime refuses to speak with me on the phone as well as through social media. In fact they blocked me. They sent me a check about 30 days later for XXXX  something i believe it was but it was not the correct amount and they did not enclose any type of explanation with the funds. When i was emailing them at first they said they closed my account and do not have to tell me why ( pretty crooked tradeoff just to get a back door into the finances of American citizens so way to go U.S. government ) the only thing that even makes sense to possibly be a reason I had their rep on the phone walking me through what all to try so that's dead wrong but moving on ... Then after I received that check I had XXXX  to XXXX in returns that were sent to that card. The returns happened after I received the check and they were from XXXX, XXXX, and XXXX  ( these are the ones I recall but that isnt all of them ). Not to mention i informed them i needed to dispute a couple charges that were on there to begin with. So im owed a good bit of money and they've stopped responding and or blocked me. If they do respond all they say is they're passing my case to a supervisor and no one fixes this or responds back again. This happens over and over and over. I want my money and a balance explanation with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS XXXX XXXX XXXX XXXX 
XXXX. Putting a collection on my credit report that is not my account. 
XXXX. Putting the same account that is in collection as a regular account XXXX others items on my credit report. A TOTAL OF 3 times thaXXXX XXXX XXXXs on my credit report and they refuse to remove any of themXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Have never provided XXXX of validation or written signature for any of the accounts listed below. 
XXXX. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute XXXX. They have blocked me from disputing online because I complained on here. 

I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. 
My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. 

Accounts I am suing them over : XXXXXXXX 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 explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. 

The letters are stated with items and issues. 

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 2023-01-10
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
This complaint is for the late/delinquent payment CAPITAL ONE reported on my credit.

In accordance with the Fair Credit Report Act Capital One has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation