BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
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:
Please see the attached dispute letter that was sent to your agency 2 months ago. You have failed to complete an investigation into the accounts mentioned in the dispute letter. There are 3 accounts reporting on my credit report that has no record of when the account was opened. How is this complete and accurate information if I can not fact check an account that you are reporting to my credit report. It has been well over 60 days since I sent your company a letter and these unverified accounts are still reporting. XXXX and XXXX have removed this account. I am demanding the following accounts to be removed within 7 days due to negligence and many FCRA violations : XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
My late payments should not be on my consumer report as recorded with federal law. Also theres inaccurate information being reported from the same person they report. On my report for the car loan and late payments. Experian shows 2 30 days and XXXX shows 3 30 days as well as Experian shows 2 90 days and XXXX shows 1 90 days. More information being wrongfully reported the term length on Experian says 78 months and term length on XXXX is blank. Last payment on Experian says XX/XX/XXXX and on XXXX says XX/XX/XXXX if they getting that same information from the same person why everything isnt adding up not only not adding up. Information thats not suppose to be reported without my written consent is being reposted ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have spoken to a rep from this bank in regard to my payment history and reporting on my credit report incorrectly. They have advised me that their system automatically generates the report, and they don't control or report late payments. I have also sent proof to all three credit reporting agencies that they are reporting inaccurate information and unfortunately, they have not corrected the information or delete. All three CRA 's are reporting incorrectly and will not correct the information.15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, 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

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filing this complaint as an aggrieved man against XXXX, Transunion and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!

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 2023-09-12
Company: PNC Bank N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 - ATTEMPTED TO TRANSFER FUNDS 6 TIMES FROM PNC BANK TO XXXX XXXX XXXX TO PURCHASE AN INTEREST BEARIING CD EACH TIME I RECEIVED A MESSAGE THAT THERE WAS A SOFTWARE ISSUE AND THEY DID NOT HAVE AN XXXX FOR WHEN IT WOULD BE RESOLVED XX/XX/2023 - WENT TO XXXX XXXX XXXX AND WROTE A CHECK RESULTING IN A .4 % LOSS IN RETURN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my equifax and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The XXXX account ARS ACCOUNT RESOLUTION S account number XXXX date opened XX/XX/XXXX balance {$1600.00} and XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. 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 an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer 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 USC 1681 s-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. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On my statement from this company, they referenced " counseling services ''. That language was offensive to me because I was raised to believe only people with some sort of problem needed counseling, they should not be implying that I need counseling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: RI
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 was a victim of identity theft and have a fraudulent account, XXXX XXXX XXXX XXXX, on my EXPERIAN report. I have attempted multiple times to resolve this error directly with the creditor, XXXX, and the credit reporting company EXPERIAN. I recently discovered there is a business account that was opened in 2015, while I was an employee of the company XXXX XXXX XXXX XXXX XXXX XXXX ( this company is no longer in business ). The creditor, XXXX, is claiming I had ownership and opened the account willingly. That information is incorrect and I did not. Without my knowledge, my information was fraudulently used to open an account with the creditor, XXXX. Once disputed with EXPERIAN, I was requested that I provide them with a copy of a identity theft report and a valid government issued identification along with the dispute. I provided both and have attached to this complaint. A federal affidavit, FTC Report # XXXX, stating I was a victim of identity theft and a copy of a valid government identification. The Fair Credit Reporting Act, states that I have rights, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I know this information is inaccurate. The furnisher of this information, XXXX, is unwilling to accept the federally provided FTC # XXXX Identity Theft Report and the communication I have made stating the information is fraudulent and inaccurate. The furnisher and creditor XXXX, is also claiming payments to this account are currently being made, which is not being paid by me from whom this account is apparently tied to. XXXX and EXPERIAN will not recognize that is account is not mine, nor has it ever been. I was a victim of identity theft and this is fraudulent.

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 2023-11-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has closed the account and when logged in to the account it is showing no balance ; the account has been charged off for several months with no correspondence and status on if the vehicle was sold in an auction or status on the overall account. since they have not tried to contact me and its not in collections or with a 3rd party ; it seems as though the debit is satisfied on their end and needs to come off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
cc : Consumer Financial Protection Bureau, Complaint ID XXXX We can confirm that we received a secure message on XX/XX/XXXX, but we did not receive any alert through e-mail. 

On XX/XX/XXXX, we sent the updated beneficiary name to Chase through secure message. On XX/XX/XXXX, we received a response back informing us that the amendment has been forwarded. 

As of XX/XX/XXXX, we don't know whether the updated beneficiary name was accepted and the funds were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : 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 2023-09-27
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 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 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The creditor is Citibank NA who closed my credit card accounts without giving any explanation except that my account is restricted. I called them more than 5 times to get the reason and they kept saying that I didn't update my information and they couldn't keep my account open. This is not correct because I stayed on the phone for 3 hours transferred from one department to another trying to figure out what happened, and no response was provided. the phone calls were between XX/XX/XXXX, and XX/XX/XXXX. I also tried to open a business account with the same creditor, and they denied it for the same " restriction " reason that no one was able to explain to me- '' the credit privileges on your existing account ( s ) are currently restricted ''. So now I have a closed account after being with the same creditor since XXXX, with exceptional history, and denied a new account based on bogus reasons. 
I look forward to your action. 
thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: EQUIFAX, 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:
Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX is a CORPORATION and a corroding to 15 U.S. Code 1692c - Communication in connection with debt collection It is against the Law for a CORPORATION TO CONTACT A CONSUMER. XXXX emails at all kinds of disrespectful hours of the night or morning, ESPECIALLY after I file a report such as one from CFPB, and now TRANSUNION has joined their party, Ive requested for the unlawful activities to be ceased and desist but instead I get flooded with letters informing of a monthly payment in order for them to stop I would need to pay them monthly. This is XXXX at its finest and it feels like CFPB is working with these XXXX XXXX, XXXX, XXXX, that call themselves a CORPORATION, XXXX XXXX TRANSUNION continue to break several codes, laws, and statuettes on an hourly basis and gets no repercussions for their ILLEGAL behavior. Multiple complaints of violating USC/UCC I demand monetary relief by 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] - ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation