BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Stated in FIFTH THIRD BANK XX/XX/2022, CFPB response letter, " we stand by the response conveyed to you in our previous letter sent to the above address on XX/XX/2022. '' FIFTH THIRD BANK has forwarded ( 2 ) responses in regards of the XX/XX/2022, original complaint. A copy of the private response letter mailed to my home address dated for XX/XX/2022, has been attached to this complaint for the CFPB review. FIFTH THIRD BANK stated in their XX/XX/2022, CFPB response letter : " We appreciate your patience while we conduct our research ''. The initial XXXX XXXX complaint still stands and has not been addressed at all-has FIFTH THIRD BANK conducted their research in reference to my XX/XX/2022, Complaint?? Also, will FIFTH THIRD BANK be reversing the XX/XX/2022, adverse decision that was rendered on XX/XX/2022? FIFTH THIRD BANK has been allowed more than 20+ days in regard to researching this matter, a decision has not been made, a decision needs to be made and communicated to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: ALLY FINANCIAL INC.
State: SC
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:
I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.

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 2017-08-30
Company: EQUIFAX, INC.
State: IL
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 disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have unauthorized transaction on my TCF Bank Account and I filed a dispute with TCF and send them an affidavit statement of the dispute and my dispute was declined. They did not give me temporary credit nor investigate the claim XX/XX/2020 XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.

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 2022-09-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: WI
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:
My information includes a false " also known as '' name of XXXX XXXX XXXX  and an address of XXXX XXXX XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX  stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX  years old and retired. XXXX XXXX  has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX  likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can Experian allow false information to be added to my profile without my being informed?

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 2022-09-02
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: Information belongs to someone else

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

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 2022-09-02
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:
Please be advised this is my SIXTH 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 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors 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 with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00}, and XXXX XXXX XXXX* Date OpenedXXXX Balance : {$0.00}.

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 2018-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX  v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted XXXX via Certified Mail in attempt to retrieve my XXXX Credit Report for my own review and verification in XXXX of XXXX. I tried using www.annualcreditreport.com but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via www.annualcreditreport.com because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold a home on XXXX XXXX. The mortgage was with PNC Bank they tell me the sent a check for the return of my escrow deposits for taxes and insurance on XXXX XXXX. Only problem is I have not received the refund what I have received is numerous mail from congratulating me for paying off the loan to my final escrow statement which was mailed to me on XXXX XXXX. They are giving me the run around as to why I have not yet received the check returning to me the escrow balance. I have called numerous times and can not get an answer for when to expect to receive my money back. PNC has made numerous promises of which non come to pass. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my XXXX shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my XXXX report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX XXXX account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I deposited my payroll check into my Chase bank using the ATM. That night I called the bank to inquire about the availability of the funds for my account, I was told the funds would be available the next day. The next day I checked my account and the funds were not available. Again, I called Chase bank to inquire about my payroll funds being released and was told it would take 6 days to receive my deposited funds. I requested to speak with a supervisor and XXXX called me back to tell me that even though my employer, the XXXX XXXX XXXX banks with Chase and I bank with Chase I would have to wait until the check was paid before I could have my funds available in my account. He stated it was a discretionary decision and after reviewing my account the decision was made not to release the funds even though the payer and payee both bank with Chase. I sincerely believe this was a discriminatory decision not necessarily a discretionary decision.

Company response to consumer: Closed with explanation