BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution. 

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being. 

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile. 

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future. 

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Account was cancelled without warning or explanation. I want my membership fee that I paid pro-rated and refunded as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, My fianc and I were applying for a home mortgage loan through Morgan Stanley XXXX XXXX XXXX # XXXX ). We were told by our loan officer, XXXX XXXX ( XXXX # XXXX ) that our mortgage loan agreement would need a 20 % down payment with an interest rate 5.3 % ( locked until XX/XX/XXXX ). This was stated on the loan contract ( attached ), signed XX/XX/XXXX. 

We had entered escrow and were getting ready to close when XXXX XXXX ( XXXX # XXXX ) called us and said that upon reviewing the appraisal they had to change the terms of the loan agreement. They now wanted a 25 % down payment and the interest rate would be increased to 5.8 % ( see attached screenshot of emails ). 

The appraisal ( see attached appraisal, parts 1 & 2 ) of the home shows it is worth {$670000.00}, which is the sale price. The reason she cited for the increase for down payment and rate increase was the zip code of the home. She said that after further review they determined that the zip code was in a declining neighborhood and did not feel that it would appreciate as much as other zip codes. There is nothing wrong with the home and nothing on the appraisal which indicated that the price of the home would depreciate because of the zip code. 

Other lenders who I have explained my situation to say they have never heard of changing the terms of a loan after it has been signed because of the zip code. I feel the reason they provided to change the terms of the loan was not valid and were trying to find a way to get out of the loan after it had been signed. While looking for other lenders, I explained my situation to many who said that the loan officer probably underquoted us and is now trying to cover themselves because the reason they provided for changing the terms of the loan was ridiculous. I believe there may be a pattern of unscrupulous business practices and predatory lending by deceiving potential lenders with a low rate and changing the terms after the contract has been signed.

The actions taken by Morgan Stanley have caused my fianc and I to suffer greatly. We have had to scramble to find a new lender and risk losing our deposit with escrow which has created unnecessary emotional turmoil in an already stressful process. I am filing a complaint to ask for guidance let others know about these predatory practices. 

Please do not hesitate to contact me if you need more information. Thank you in advance for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: CT
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:
Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent ACCOUNT from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any ACCOUNT listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNT THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

-Date opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Told company by phone that this is not my debt. I have never done business with LVNV Funding managed by Resurgent Capital Services at XXXX on XX/XX/2019. 

They don't care that I do not have a written signature contract with them. I do not owe this company and they need to remove this from all credit reporting agencies and my reports and never be able to put this back on their again or try to call me or send me mail again. 

If they try to sell this to another company this is fraud as I will not owe that company either. 

Do not ever Call me repeatedly or/and mail letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive tried to remove these inquiries many times over a month ago and still there. Please help remove these items as soon as someone can

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$760.00}

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

- Date opened has two different dates

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 2022-02-15
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a response for a complaint ( that was submitted XX/XX/2022 ). In regards to complaint number XXXX. PNC closed my account on XX/XX/XXXX after I was insulted for my XXXX orientation by a XXXX XXXX ( supervisor at there corporate location ). She was coy in saying it was " good for people like me '' to be " empowered because of services like The CFPB to report improprieties. So I simply told her that she had no value in life and she probably slept around to get her position ... ..Well a few days later my account was deactivated and I was sent correspondence telling me that the rest of my funds would be sent no later than XX/XX/XXXX. As of XX/XX/2022 I still haven't received the remainder of my funds. I believe I had {$220.00} left over at the time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TrueAccord Corp.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord claims I owe {$150.00} to XXXX  for a returned item, a purchase from XXXX, item returned via XXXX several months ago.. The item was purchased via XXXX XXXX, returned to merchant via XXXX, tracking ID not available.. Prior complaints were filed against XXXX  for attempting to collect on debt when item was returned and tracking ID provided to them..Regardless of return, XXXX still attempts to collect on debt after proving item returned by providing tracking info..If True Accord requires tracking info, please refer back to XXXX  whom it was provided to via CFPB complaints filed prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX & XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 non-monetary relief
Consumer complaint received 2020-03-14
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR XXXX  XXXX XXXX. I HAVEN'T BEEN INVOLVED WITH XXXX FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. DYNAMIC RECOVERY SOLUTIONS IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX & XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NM
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 a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Consumer Portfolio Services, Inc.
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:
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I met someone online 5 months ago and it was not until sometime into the online communications he asked if I would allow some items to be sent to me and when he got out of the XXXX he would reimburse me. I took out three loans totaling over {$40000.00}. I have also paid about approximately {$10000.00} more on top of that. It was suggested that I contact you to see if there is any recommendations or assistance you can provide to help me with this. I am single and I have XXXX children. I have all the documentation that substantiates where the money was sent and to whom. I reported it to the police and FBI but I do not know where else to go so the detective gave me information on agencies that may assist. The scammer 's email address is XXXX. The delivery agency is XXXX XXXX XXXX. 

My loans are with PNC, XXXX, XXXX and XXXX. 

I thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-07-21
Company: EQUIFAX, INC.
State: MN
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 received a letter from XXXX XXXX in regards to a notice of data breach and my personal information being stolen, compromised and used. The following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are all from the XXXX XXXX XXXX XXXX, fraudulent, unauthorized and not my credit card or personal loan accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief