BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm being held back from a judgement on ( 1 ) credit reporting agency. Experian is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for Experian to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, XXXX XXXX XXXX has inaccurate information on my credit profile and its impacting my livelihood. I spoke with Experian and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 U.S.C 1681. 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 an account without my written instructions. 


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 XX/XX/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 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have wrote numerous letters to Experian, XXXX, and XXXX XXXX requesting that they remove the fraud alert that was placed on my personal credit report XX/XX/2022. As of today 's date The Fraud alert still remains active on my profiles affecting my ability to obtain suitable housing, loans, assistance, and any other means to pursuit happiness of life.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Name : XXXX, XXXX, XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXXXXXX 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 ADDRESS : 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  EMPLOYER : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Colections : 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  NAME XXXX XXXX XXXX XXXXXXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections 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 XXXXXXXX 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 2022-07-27
Company: EQUIFAX, INC.
State: AR
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:
PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to Wells Fargo bank branch this morning located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had an appointment at XXXXXXXX XXXX and came with my attorney XXXX XXXX. We presented the Letters of Administration with the death certificate for my late husband and wished to retrieve the funds in his savings and checking account. I am appointed Personal Representative of his small estate. The funds are less than XXXX. The representative asked me for identification and I presented my Maryland State ID, which expired in XX/XX/2021. The rep said she could not continue since my ID was expired. My attorney asked to speak with her manager because I had other forms of ID. The client manager appeared and said she could ask the legal department on the phone if there was something else that could be done. I am XXXX years old, hard of XXXX, and I have XXXX issues. This is one reason why I needed an attorney to assist me. But the client manager said she could not do anything until I got a current state ID. It is not easy for me to get around. I have an aid who helps me. I do not drive and I do not have email. My attorney requested that an escalated complaint be filed and the client manager filed one. She would not provide my attorney with a printout or a copy of the complaint but gave her a number : complaint ID XXXX -- XXXX. When she asked me how I would like to be contacted, my attorney told her to contact her but the manager said they could not since my attorney is not the PR. My attorney explained that she is my voice and my advocate. My attorney offered to write an affidavit to confirm I am who I say I am but the bank would not accept it. I am requesting that Wells Fargo close my late husbands checking and savings accounts and issue a check to me according to the laws in Maryland. You can contact my attorney for additional information and documentation. Her phone number is XXXX XXXX XXXX and her XXXX is XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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. 

XXXX and XXXX had deleted my bankruptcy but TransUnion and XXXX are not complying to the law.

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 2022-11-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On Saturday, XX/XX/XXXX I saw that my balance on Navient was overdue. It is my understanding that the student loan pause is still in effect. I also submitted paperwork for an Income Based Repayment plan and, according to my other loan servicer, XXXX, that isn't set to change until XXXX. 

On or after XX/XX/XXXX I received a response in the form of a message on Navient 's website, which has since been deleted ( not by me... I never delete correspondence ), that their records show my plan lapsed as of XXXX or XXXX and that I need to pay the amount that's overdue ( {$78.00} ). The warning on their website stated that if I didn't pay I might be subject to late charges. The due date was XX/XX/XXXX and I have an upcoming due date of XX/XX/XXXX for the next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Bread Financial Holdings, Inc.
State: NY
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:
On XX/XX/XXXX I received the following notification from XXXX " CCB/BREADCASHBACK made a Bank / Credit Card Inquiry by checking your XXXX Credit File '' The address listed is XXXX XXXX XXXX, XXXX, OH XXXX. 

I have made no new credit applications and am not familar with this bank. I have made a report with XXXX. 
I tried to find company information online and found several links to this bank but all were ads and promotions for opening new credit card accounts. Other than the above address I could not not find a phone number or other contact information for this bank. 

I do not know if this is an issue with this bank or of someone committing fraud. Around XXXX I was the victim of someone filing a false federal income tax report using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted Toyota Motor Credit regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I requested to know why my account was closed and they told me it was because my credit score was a XXXX and my credit wasnt a XXXX it was a XXXX but they closed my account and I couldnt pay it through the app or online. So I called and they sent me a link to pay through phone and the link did not work. So I called again and I was told there was nothing they could do. They then charged me a late fee and marked my account with a missed payment that I know will be marked on my credit history. Even after I payed about half of my account off.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2021-01-16
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:
The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.

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 2023-10-14
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened a " virtual checking account '' with PNC Bank because I figured like every other financial institution these days, brick and mortar or otherwise their virtual account would come with a virtual card. I deposited my paycheck {$750.00} with PNC Bank and the date it gave me it would be posted would be the XXXX. When I realized they PNC Bank no virtual card on their " virtual account '' I messaged PNC Bank to bring up to them that every aspect down to the name of the account type was incredibly misleading. I had been directed to them from a paid blog claiming they had a deposit bonus ( disappeared after opening account ). I go to check my balance on PNC 's site the XXXX and there is only {$.00} cents in my account. I had made no other transactions with the exception of my deposit. I messaged a second time inquiring about where all the funds had gone and why my account has a balance, but not a correct one. PNC customer service claimed that my deposit was on hold to make sure the funds were going to clear .... With the XXXX XXXX XXXX check I deposited. I confirmed with her that really was their claim and she being told again it was too make sure it cleared I asked why there was XXXX XXXX in my account. She didn't have a response. The midst information I was able to drag out of PNC was when I asked if that XXXX was from the deposit I was told yes. I asked how that was possible if they had to wait for it to clear and inquired about why she was being dishonest with me. She ended the chat on me. Not only was PNC incredibly rude and smug in dealing with me, blatantly misleading and lied to me directly that's not even the most surprising thing. That would be the fact it's now it is the XXXX without the rest of my paycheck becoming available or out any answers to my incredibly valid questions. I hope my experience can save someone else the terrible and frustration of dealing with these scam artists dressed up like a financial institution, because now I have extra charges on my rent and other bills for being late on them and the amount for that keeps going up the longer they have my money I worked for in imagination land. I would love to be reimbursed for the late fees I'm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Torres Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received a final bill from my electric provider, XXXX XXXX ( XXXX ), because I was set up for e-billing. I found the bill in my Spam folder in XXXX and immediately paid the bill. That payment was for {$370.00} and was paid directly to XXXX on XX/XX/XXXX. On XXXX, I received a notification from a credit monitoring service that I had a collection notice on my credit report from Torres. I disputed the negative credit report item with XXXX, but the dispute ended in favor of the collection agent. I contacted XXXX on XX/XX/XXXX and they let me know the original amount that was due had been paid on XX/XX/XXXX ( as mentioned above ), and notification had been sent to Torres 3 weeks earlier. XXXX did note there was approx {$15.00} in late fees still due on the account, so I paid those over the phone with XXXX. They stated the account was paid in full, and provided me with a payment confirmation # XXXX. I again disputed the collection noted on my credit report with XXXX. I provided the information I've included here. The dispute was again denied and the collection note still remains on my account as if I still actively owe this 3rd party credit collection agency {$380.00}. I do not, as explained above, according to XXXX. Because today is XXXX, I can not reach XXXX to request they send an updated statement for my closed account stating it is paid in full. Torres has the ability to verify this information, they are choosing not to and trying to collect the same funds twice.

Company response to consumer: Closed with explanation