BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone trying to open Personal loan, checking account, and credit card all from Wells Fargo.This affected my credit score by having hard inquiries on my credit report the only thing I have with Wells Fargo is my mortgage

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 2018-11-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Cedars Business Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A company called Cedars Biz Services is pretending to be an Italian Government agency to collect a parking ticket which was paid. Now, they are claiming it's {$400.00} to pay. 

There are no outstanding debts in collections at this time for me per my credit reports. 

They call repeatedly and constantly send USPS mail. I'm not sure how they even got my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I  humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and TransUnion.thankyou in advance CFPB for your help with 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 2019-06-07
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I filed a dispute with Synchrony Bank for a XXXX XXXX credit card statement item. I called ( I have the call recording ) as I had not received my new card. During that call, I asked about the status of my dispute. The agent on the phone told me my dispute was approved. 

Today, I receive a letter saying my claim was NOT approved, which is the opposite of what I was told over the phone. That is extremely dishonest. 

I expect them to pull the call and provide approval of the claim, as this is what they explicitly stated to me.

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 monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is wrong I should scores already because I don't see nothing on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Personal information incorrect

Complaint:
I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.

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 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had an incoming wire from a friend of my partner ( boyfriend ) in the amount of XXXX dollars from XXXX bank to Bank of America on XX/XX/XXXX. BoA filed a fraud alert and thought it was suspicious. I called and called getting switched around to multiple departments and my friend called chase. the problem was in the swift messaging system and BoA requested verification from my friend. She verified the wire transfer. on the XXXX, the amount had been approved and was in my account and I sent a wire out for XXXX to a private investment account. on the XXXX, the deposit XXXX was frozen or put on hold because either XXXX or BofA thought it was suspicious causing my account to overdraw in the amount of XXXX dollars. I had to deposit borrowed funds to cover the overdraft in the amount of XXXX. I am very upset about this. My account with BoA and my friends account of XXXX are now investigating the transaction. 

There was no fraud and we both approved and verified the transaction. I would like to file a formal complaint to get the XXXX back in my account so I can pay my mother back for the XXXX dollars. 

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 monetary relief
Consumer complaint received 2019-06-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on my XX/XX/2019 amex bill their is a charge for XXXX from XXXX XXXX XXXX. so i disputed the charge and said not only dont i recognize the charge, i didnt rent any car in XXXX. so ill attach the letter they sent stating that they are ataching proof that we did rent, so what they sent is a copy of the bill and copy of my sons medicare card what the XXXX   is that? and is it hard to prove i rented car no senz me a signature but they send me mt sons medicare card. i want perm credit on the account for this charge. its amex card ending XXXX.

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have placed a permanent credit card offers opt out on all three credit agencies on XXXX on web site outoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks for my Fidelity Investments /Elan financial service credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.

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 2021-05-20
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to receive mortgage assistance with Suntrust bank for the last few years I have summited numerous time just to be denied for various bogus reason. Most recently I submitted for modification help just be to be denied, per the denial letter the lender claims the investor declined the modification because the payment would go up instead of down this forced them to deny my case for mortgage help. I'm currently sitting on a 6 % interest rate and I feel the lender has plenty of options when it comes down to helping me with my case. I feel since the interest rates are at 3 % in todays current market there should be plenty of ways to reduce my mortgage even my reducing my rate, extending my mortgage terms and even placing the amount I'm delinquent toward the end of the loan to allow me to get current. I fee the lender is more interested in taking my home rather than helping. I have plenty of income available and can afford for my payment to increase. Please look into this matter for me and help me with Suntrust. In addition on the denial letter attached dated XX/XX/2021 it says they have provided me the XXXX result for me to view but when I spoke to the lender they stated there is no XXXX result to give.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2019-05-02
Company: Experian Information Solutions 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:
Someone has opened up an account in my name with XXXX. I have continuously disputed this account and have spoken with several reps at XXXX. I was told by the XXXX reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.

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 2023-04-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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:
" " '' I have disputed this charge off on this XXXX/XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called 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 2023-07-06
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: GU
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:
XXXX XXXX XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On multiple occasions, I spoke with Mortgage Representatives about FHA Loan Hardship options. I even spoke with a Representative about FHA Streamline options. I am on a fixed 5.25 % rate and have not missed a payment in over 3 years. PNC Home Mortgage Reps were not aware of the program and the refinance application ( draft ) that was submitted did not match what the representative advised me on the phone. After speaking with over 5 reps in 1 day, I was still denied any options. The representatives were dismissive, provided inaccurate information, and were rude. I voiced my concerns and was told I would hear back from a manager. Never received any follow-up. After speaking with XXXX, on XX/XX/XXXX about concerns related to my mortgage account and having access to it. She deleted all my security questions and removed my phone number, to finally discover on XX/XX/XXXX, that her actions prevent me from accessing my account PNC 's entire online account. A simple password reset has been extended to 10-14 days via snail mail to receive a password in the mail. This is after a wonderful Representative " XXXX '' invested 4 minutes into researching and trying every available option to assist me. 

This pattern of denying minorities access to decreased mortgage rates, and federal programs are the same issue PNC practiced in XXXX a previous class-action lawsuit- for overcharging and denying minorities access to fair lending. 

I have a copy of the Refinance/Closing worksheet provided by XXXX, that has the inflated figures ( including appraisal fee-appraisal not required ) and my response voicing my concerns and his dismissive response. 

Only after speaking to an XXXX American representative was I informed of a " Hardship Application '' option. This is after speaking with 7 other reps over a 3 month period. Of course, completing the hardship application does not guarantee a decreased interest rate, and surely doubt that minorities are given the option for reduced rates. This needs to be looked into because customers experiencing this poor service. In addition, previous reps advised the HOPE Assistance program may be able to assist with making payments. The HOPE Program does not assist Mortgage owners, in spite of customers experiencing hardships being referred, REPEATEDLY, to the HOPE Program. I completed the HOPE application in XX/XX/XXXX, interviewed providing documents XX/XX/XXXX only for my application to be denied in XXXX XXXX " due to no assistance for homeowners- RENTERS ONLY '' - never received any notification. I just happened to call to follow- up on my application status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/2020 Equifax and XXXX has not reported on my credit.

Company response to consumer: Closed with explanation