BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 15th 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 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a XXXX XXXX  XXXX  card and was approved for a XXXX credit limit I ordered a recliner two weeks ago and I called symphony and i was told a second review was done and I was denied. I believe this was due to my age. This is discrimination

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 2022-04-14
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I applied and was accepted by PNC bank for HELOC. When I am ready to draw the funds from the HELOC they will not honor the rate shown on PNC 's official website calculator. The PNC customer services state the rate shown on their website is for new customers only and since my application has been approved, I am no longer a new customer. I felt they use the bait and switch method to get clients to sign up and then not offer them the best interest rate as advertised. PNC is not being transparent and upfront about their rate and did not disclose all the proper important information to their employee and their client. When I spoke with PNC bankers who specialized in HELOC, they were not aware of the difference rate between new and old clients. I just sign up for HELOC and have not drawn from the account yet so I should be considered to be a new client. From the date, my application was approved to today PNC is never upfront and transparent about the monthly payment, they want me to draw from the fund and finish the paperwork then wait one month later then I will be able to know the monthly payment. 

I signed up for a {$700000.00} HELOC on XX/XX/2022. 

PNC never disclose to me that the best interest rate is on the day of my signature which is the one and only day PNC will consider me as a new client. I have to learn that the hard way and this is something PNC local branch staff is not even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a checking account, the Spending Account, with The XXXX XXXX via the XXXX company, Chime. Last month on XX/XX/2023, they suspended my account and I lost access to the account including the ability to log onto their website and mobile application. 

I have repeatedly tried to provide the information they are requesting to unsuspend my account but they are refusing to unsuspend my account, indicating the information I provide is insufficient. I have provided them with all the information I have so it seems that I have exhausted my options to unsuspend my account. 

Thus, I simply wish to retrieve my most recent statement and close the account and receive confirmation that my account has been closed. The usual way to close the account is via their mobile application as indicated on their website, https : XXXX, but lost the ability to log onto the app since they suspended my account. 

I have both tried contacting Chime Member Services at XXXX and emailing XXXX but they continue to request information and refuse to close the account. I am tired of dealing with their unresponsiveness and don't want the account to accrue fees and reason for them to take my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Credit Score reporting and score complaint exclusionary conduct claim To whom it may concern : I am submitting this complaint pursuant to FCRA 15 U.S.C., section 1681 : 1. I have noticed that on my report is inaccurate information reporting by your company regarding XXXX  account. I have payment arrangements with XXXX  and I contend that credit report indicate that I am not paying on same. I deny that claim and contest it.

2. I state that my credit score is discriminatory and unfair. I state that I believe exclusionary conduct is being applied to my credit score reporting an
d that it arbitrary and capricious.

3. I state that XXXX, TransUnion, XXXX  and XXXX report my score in vast difference of scores. As of XX/XX/XXXX XXXX  reported my score as XXXX based on TransUnion  data. However, TransUnion report my score to XXXX XXXX as XXXX. This is a vast margin of 52 points, and I contend that these scores are exclusionary conduct and fundamentally unfair in differentiation. 

4. I state that XXXX  is not consistent with my actual credit report. I state that I had a below average score of XXXX when I had much more debts and collection accounts, and wasnt paying on the accounts at time. So how is it that at the time I have paid off numerous accounts, keeping my payment history at 98 %, and no deragotory marks that my score continue to lag and take a low dive? I contend that this is sheer discrimination! 

5. Furthermore, I state that I have reasonable evidence of XXXX   practicing Algorithms against me due to my race, social, cultural, and religious affiliation and associations.

6. THEREFORE, in compliance with the Fair Credit Reporting Act of 1970 and the Equal Credit Opportunity Act, I respectfully ask XXXX  to re-evaluate my credit score, and upgrade same in the spirit and color of law of fundamental fairness. 

Respectfully submitted, /s/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Email : 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 2022-04-14
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is related to my previous complaint. National Credit Systems has reported a collections to the credit agencies while the debt was in dispute, and after I mailed a 'validation of debt ' letter, and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Brightwater Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Brightwater Capital through XXXX XXXX and XXXX XXXX XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by $ XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Allied Consulting Services LLC
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have credit monitoring and its been active for several years. A company called ACS has left threatening messages on my phone and my parents phones. In the recordings they say I owe an outstanding debt ( I dont ) and this is going to impact my employment. The number they call from is XXXX and XXXX. Here is a transcript of the messages : This message is for XXXX XXXX ACS has tried to contact you on several occasions it is to be assume there are no intentions on a voluntary resolution is not the case we would need to hear from you prior to this affecting any employment in our bank accounts at XXXX once again the number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/2023, XXXX XXXX  PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX  cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case. Bank of America has closed the case the CFPB case XXXX again on XXXX XXXX without any detailed response. So I am logging a new case. They have mentioned that they haven't provided complete details to protect my privacy and they have sent it by postal mail. I request that the company investigate and keep the case open until I receive detailed 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 explanation
Consumer complaint received 2019-01-24
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone with Douglas Night and Associates called me from XXXX advising they were calling me about an accident I had back in XXXX in 2017. He said the other party filed a bodily injury claim for XXXX dollars and I have to pay that amount. I asked if the other party is suing me and the representative advised me that the other party could sue me if I didn't pay this amount. After working in the insurance business for over 3 years, that amount would be paid out under their personal injury protection coverage on their own policy. This rep advised me that if I did not pay this amount, he would revoke my driving privileges and take my vehicle registration away from me. After reviewing the reviews on this number, he seems to be a scam artist coming after accident victims. I am very upset that he called me and harassing me so I would pay that amount to him. I also know that working in the insurance world, I wouldn't get a phone call from someone if I were to get sued, I would have been served papers, which in this case, I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 11th 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 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 2022-04-14
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and Experian records are still reflecting a {$2500.00} balance owed. I contacted XXXX to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX  : {$8400.00} ; 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 2023-04-21
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: Account information incorrect

Complaint:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}

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 2023-04-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit card with Capital One in 2017 when I filed for Bankruptcy. This was a secured credit card with a deposit on file. When I filed for bankruptcy, they closed my account, used the funds in my security deposit to pay off my balance, and sent me a refund for the remainder of my security deposit. This would mean that my account was paid in full. However, for the past 2 years, Capital One has been reporting this to the credit bureaus as discharged in bankruptcy. This is a violation of the FCRA. At worst, this account should be reporting as closed by credit grantor and paid in full. There was no amount on this account that was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus
have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this

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