BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, XXXX and Transunion. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes. 

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.

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 2020-08-19
Company: Bread Financial 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 status incorrect

Complaint:
Credit Card information is reporting on my credit inaccurately which is hindering me from getting approved for a new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2019-07-30
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
PNC offered a sign up bonus after {$2000.00} Direct deposit and 10 debit transactions. PNC notified me that several deposits were direct deposits. I thought I met the requirements until the end of the promotional period when they refused to honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Healthcare Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I disputed a collection from A-1 Collection agency on my XXXX credit report. On XX/XX/XXXX the collection was deleted as a result of the dispute, with confirmation number XXXX. On XX/XX/XXXX the collection reappeared on my credit report. I did not receive notice from XXXX within the 5 day window as required by the FCRA. The collection was deleted as a result of the investigation dispute, not as a result of non-communication, ( wherein a collection can be reinstated if the agency responds within 35 days ). Therefore, this reinsertion is incorrect and must be deleted as stated in the result of the dispute.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of these inaccurate and damaging entries is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
XXXX XXXXXXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXXXXXX XXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XXXXXXXX XXXXETE!!!! 
XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! XXXX XXXX XXXX  INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXX DELETE!!!! 
It is utterly distressing to discover such derogatory information on my credit report, especially when my financial history has previously been impeccable. The sudden and unexplained appearance of these fraudulent collection accounts and unauthorized inquiries is not only shocking but also completely unacceptable. 
I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies on my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. 
I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-12-11
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: Old information reappears or never goes away

Complaint:
XXXX debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report. I am unable to file a dispute online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: 21ST MORTGAGE CORP.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
21st Mortgage out of TN On XXXX XXXX I made two separate payments, one for XXXX and second for XXXX. These payments were done electronically and posted on XX/XX/2021. Making these two payments brought our mortgage current. On XXXX XXXX we received notification we were in default. Called and spoke with agent and she stated we were not in default and then began to question why we made two consecutive payments and demanded we pay for XXXX which is not due until at least the XXXX. 
This is an ongoing issue with this company. Constant harassment and negative reporting to credit bureaus. They are constantly locking us out of the online payment portal. They have sent people to our house taking photos just in case we ever go into foreclosure. 
The mortgage co also has our mortgage listed as a mobile home which it is not. They refuse to correct it which we are unable to refinance because of that and negative credit reporting. They at one time also demanded my wife and I both have cell phones. They have also demanded on knowing where we were getting the funds to make our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: LA
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've sent a letter to the credit bureau around XX/XX/30 and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I tried to deposit {$5000.00} ( all {$100.00} bills ) into Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, WA ), but after I put the cash into the ATM, it showed " There are some errors with the ATM. The transaction couldn't continue '' and I got a receipt. I inserted the card again and wanted to resume, but the ATM said it could not work now due to some issue. 
I went to the nearby Chase branch immediately. Chase clerk XXXX helped us file the issue to the Chase system and promised I would get {$5000.00} credit on my account in XXXX business days. I got the credit 5 days later. 

However, on XX/XX/XXXX, Chase reverted a large amount of the credit- {$4900.00}, and sent me a letter that only {$84.00} could be honored. I went to the same branch on XX/XX/XXXX and asked for an escalation of the investigations, but XXXX kept the same response for the escalation. Also, I filed a complaint to XXXX 's customer satisfaction department. On XX/XX/XXXX, the XXXX XXXX department kept the same response for this investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macys sent my bill to a closed XXXX XXXX and had my physical address, but did not bother to get a hold of me for five months. I finally received the bill from the person working at the XXXX XXXX and I called them and paid the late fees. In the meantime they informed credit and my credit went from XXXX score to XXXX score. Not knowing that I had this bill I purchased clothes at Macys and opened another account because I thought they closed the old one because I rarely used it. I paid the balance and closed. my account when I found out about the credit report. I see my new credit report because I disputed and I see I had now a {$2.00} balance. I called and they said it was interest. I would never have known about this balance if not for disputing my credit report. It seems to me they were looking to charge me late fees instead of trying to find me when they had my physical address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries XXXX XXXX XX/XX/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 2023-03-15
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Will not send title and bill of sale Please do a search on XXXX  for Audi finance, there are multiple complaints I paid off my car in XXXX. 

Is this a possible class action?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Collection Bureau of the Hudson Valley, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX Collection BUREAU OF THE HUDSON VALLEY added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, CLLCN BUREAU has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I did not receive any proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have experienced a case of an Identity Theft - my Experian account was stolen and I can not regain access to the account due to the discriminatory processes set up by Experian. 

XXXX. My account was stolen on XX/XX/2023. Somebody created an account with Experian, updated my mailing address, Email and phone connected to my SSN. They attempted to open a credit card with XXXX. 
XXXX. I was able to track this activity, notified the credit bureaus, filed the report with FTC, contacted XXXX to stop the issue of the credit card. Regained access to my accounts with XXXX and XXXX. 
XXXX. Since then, I wasn't able to regain access to Experian account : a. The people who updated my personal information have changed the security questions and contact information- Experian continues to send password information to those fake Email address and the phone number. 
b. Experian is asking some additional questions about the credit history and it seems like I don't get some of them correctly, since those might have been modified by the thieves since the questions rely on some address history, people who lived at the address, and the phone number - I can't know what information they put into my account. 
c. Finally, Experian leaves an option to send them my utility bills from my address to confirm my identity ( along with other documents ), however, I can't do that since I didn't pay for my utilities ( those were paid by the landlord ). 
All of that leaves me out of options and with no way to reclaim my Experian account. I have spent at least XXXX hours on the phone with their customer support and they haven't been helpful. This is frustrating and I haven't had such issues with other credit bureaus.

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 2018-01-09
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Before XX/XX/XXXX I submitted a request on XXXX  website stating that I was having issues selling my bitcoins because my account was restricted. On XXXX XXXX I received an automated response in which it stated that it may take several days to respond. I waited a week and received no response to which I submitted another more detailed request to which I received another automated email on XX/XX/XXXX. The email stated that account lockouts and delayed payment or orders are there current priorities and if I am suffering from this issue that I need to respond to the email. Since I am experiencing an account lockout I responded and made a very detailed description and a screenshot of my issue to which I received no response. I am still unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: OH
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:
Late payment remarks are keeping me from being approved for future loans/credit baring agreements.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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

Unauthorized inquiries on my credit report. 

Account name : XXXX XXXX Dated : XX/XX/XXXX Account name : XXXX Dated : XX/XX/XXXX Account name : XXXX XXXX Dated : XX/XX/XXXX Account XXXX : XXXX Dated : XX/XX/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 non-monetary relief