BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting 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:
THIS ACCOUNT REACHED IT'S 7 YEAR EXPIRATION DATE IN XX/XX/XXXX, YET IT STILL APPEARS ON MY CREDIT IN CLEAR VIOLATION OF THE FCRA LAWS!!! 

DO NOT SEND ME ANY PHONY LETTERS DEMANDING I IDENTIFY MYSELF! I HAVE DONE WHAT THE CFPB REQUIRES ON THIS SITE WHEN FILING THIS COMPLAINT! 

YOU ARE IN CLEAR VIOLATION OF THE FCRA LAWS FOR ALLOWING OUTDATED NEGATIVE INFORMATION TO REMAIN ON MY CREDIT PAST ITS TIME! 

I WILL BE WELL WITHIN MY LEGAL RIGHTS TO SUE YOU UNDER THE FCRA LAWS AND WILL FOLLOW THROUGH ON IT WITH THE PROOF OF MY CREDIT REPORT FOR XX/XX/XXXX WHICH I PULLED TODAY AND THE OUTDATED ACCOUNT REMAINS DUE TO YOUR REFUSAL TO REMOVE IT PER THE FCRA LAWS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NJ
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:
To Whom It May Concern, EQUIFAX BROKE THE LAW Pursuant to 15 us 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 

Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail in the initial investigation of this investigation as you assumed this role you also assumed the information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not insure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( D ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

I have tried to reach out to you twice so far to no avail. On XX/XX/XXXX using certified mail # XXXX and on XX/XX/XXXX using first class mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: DISCOVER BANK
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX I went to Discovers website to apply for a personal loan for personal, family, and household purposes. 

I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. 

The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. 

After submitting my information on the credit application, which Discover accepted and proceeded to pull my consumer reports. 

Discover then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. 

Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. 

This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. 

According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security XXXX ) in good faith to obtain financing for personal, family, or household uses. 

In using my credit history or consumer reporting as a basis to deny me my right to credit, Discover is violating my federally protected right credit as the consumer in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im requesting this removal utilizing 15 USC 1681e ( b ). Please assist me with removal of this item which is not verifiable through the bankruptcy court. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I called PNC bank because I couldnt transfer money from my checking account to my home equity loan .On XX/XX/XXXX The first person I spoke to was XXXX I wasnt happy with the way she was speaking to me so I asked for her supervisor, she stated they do not have a supervisor, then I asked for their corporate office number she gave me the number I just had called? This time I spoke to XXXX on XX/XX/XXXX and stated I wanted to file a complaint against XXXX of PNC customer service he tool my information said someone will contact you within 24-48 hours. It took XXXX days when XXXX contacted me and said exactly the same thing that PNC only has XXXX contact number which is true because I went on the PNC website it only has XXXX contact number. I then received a email from XXXX on XX/XX/XXXX and then tried to contact her by phone and email and got no response. I finally researched on XXXX and found a phone number that I called and spoke to XXXX she took my report and again stated someone would contact me within 24-48 hours I told XXXX thats not true she then changed her response that it would be 3-7 days because of all the complaints they are having. I then asked to speak to her supervisor XXXX and told her my concern with their bank not posting my purchases and the complaint I wanted to file against XXXX. She the argued with me that their website has more than one contact number I disagreed with her and asked her to go on her own bank website PNC. She then came back on the phone after a brief hold and stated that I was correct so she lied to me. I went on their XXXX page and started to read thousands of complaints against PNC! I also saw a lot of complaints on XXXX, XXXX about how rude their customer service is and that there is only XXXX phone number to contact PNC. My first phone call I had to wait XXXX hours and no one answered so I tried the next day same thing happened. I then decided to go to XXXX of their locations in XXXX XXXXXXXX XXXX. The branch manager was extremely nice and tried to help I asked her I was trying to transfer funds from my checking account to my home equity loan on the PNC bank. She asked for my phone and tried also she had no luck she then attempt to call their corporate office for help sorry to say same thing happened to the branch manager no one answered. She then opened a book to try to find a number to call and did. She stated its a nightmare working for PNC. My concern is that it XXXX days to actually speak to someone XXXX the supervisor XXXX who got upset with me because I was correct that PNC only has XXXX contact number she then hung up on me after I waited a hour to finally speak to someone. Please read the reviews on the PNC XXXX pageXXXX XXXX and XXXX and you will see all the complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-08-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They several times charged me overdraft fees when they shouldnt have

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 12th 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, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit 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 2021-04-01
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:
Someone used my information to open a fraudulent account under my name and social appearing on Equifax. 

XXXX. XXXX Account # XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBA of GA sent me a letter about a debt that was not mine. It was for utility services at a previous address more than a year after I had moved and purchased my current home. I sent them a dispute letter and documentation. They sent the same bill back. I called them and was told " We don't care if it's you or not it's going on your credit. '' I contacted the utility directly and provided the documentation that proved it was not my service. The utility company zero 'd the account. Not only did CBA of GA not provide the information requested and validate the date, but then they also put on my credit report across all three organizations that I had an installment account with them and owe {$0.00}. I have never had an installment account with them and obviously never owed them anything. They have refused to remove or talk to me about the 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 2023-04-28
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Climb Credit Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loan funded Role : Borrower Applied : XX/XX/2018 ( 4 months ago ) Financing Amount : {$2700.00} Interest Rate : 14.50 % School logo Application Ref # XXXX XXXX XXXXXXXX XXXX Start Date : XX/XX/2018 I attend XXXX of XXXX, Fl for a XXXX XXXX which cost XXXX as told with option of monthly payments that was never made clear until I finish the course and started receiving email how I need to make $ XXXX  monthly payments when I talk with climb credit the company who loan the money for the XXXX XXXX told me over the phone monthly payment are set by me I pay what ever I can offered so I said ok. A few months later I'm being told I have to pay {$500.00} because I miss two monthly payment when on their web site ( climb credit My Applications login ) I cant set up my monthly payment plan to what ever I like. Why have this option if it will not be honor this makes no sense how can I choose my monthly payments in the first place if this institution imposes a mandatory monthly payment please help they are practicing illegal lending thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 n 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I received my credit report on XX/XX/, and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-23
Company: EQUIFAX, 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:
In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights I only have XXXX account with XXXX  and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: OR
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  Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 instruction

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