BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX  XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc

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 2023-07-13
Company: Experian Information Solutions Inc.
State: HI
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: Received unwanted marketing or advertising

Complaint:
I have an Experian free account for credit monitoring. They send me frequent emails, whenever my credit score changes, even by a negligible amount. Each time I log in, I need to dodge aggressive marketing of their paid service. Specifically, I need to decline it each time, and it takes extra effort to avoid accidentally signing up for their service because the button to decline is light gray but the one to sign up is a bright XXXX. 

This is like the dark pattern that XXXX employs to get people to sign up for XXXX, except XXXX makes you avoid signing up about XXXX times every time you place an order.

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 2017-03-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
I contacted the billing department regarding the amount of interest charged on my most recent statement. I had questions about the balance amount used to calculate the interest amount. I asked for the rep to help me to understand, but she refused. I then spoke to a supervisor named XXXX. She stated all that she could is open an " adverse action '', their inquiries department will research my concern and send me a letter within 30 days. I stated I am fine with this. At no time did I dispute this account or the balance owed. Less than 30 minutes ago, I received an alert of action on my XXXX credit report. Upon further investigation, I discovered that Belk reported that I disputed this account. This is false.

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 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
I recently noticed the following medical collection account on my XXXX, XXXX AND TRANSUNION consumer credit report : XXXX XXXX XXXX XXXX for {$990.00} This account was previously listed, and disputed, under a different company called XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$990.00} made between me and XXXX XXXX XXXX, please provide me with such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX Account number 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 explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: OH
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 have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.

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 2023-05-07
Company: PNC Bank N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I filed a complaint on PNC BANK because of the inaccurate information I seen on my credit report regarding a repossession. On XX/XX/2023 XXXX XXXX the Executive Client Relations ask if I can reach out to her and I responded to her email immediately. I called no answer or response to my email I sent to her and it XX/XX/2023 she still hasnt reach out or responded. She knows PNC BANK violated my rights as a consumer and FCRA under state law. If this repossession is in collections why is the original balance reflecting on my credit report. After a car is sold a consumer dont owe that original balance anymore. Why isnt it showing that this account is in collections? Why is this reporting inaccurate information on my credit report and why wasnt the documents I requested sent to my mailing address. I feel PNC BANK do this to a lot of people because they didnt think I will catch the scam they are trying to pull on me. I want this removed from my credit report immediately due me the inaccurate reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to request your assistance in resolving my concerns, after an ongoing issue with the Credit Union has left me rather perplexed and distressed given the experience which I have had in my short time as a new member of Golden 1 Credit Union.

Please note that after my initial email to you requesting assistance and escalation to Credit Union management after multiple notably confusing interactions with customer care staff that my family members whom reside in New York were contacted without my knowledge to inquire about me and my information. While I can certainly appreciate doing ones diligence for a new Accountholder, I do believe that this was indeed unnecessary, at which time I amiably worked directly with XXXX XXXX XXXX in Financial Investigations to confirm both the validity of my identity as the accountholder and the check deposit from my father ( the check writer ). 

Please note that I have provided all of the information requested of me and even information in excess to verify not only my identity, but the deposited check itself which has since been adequately verified with XXXX XXXX  and your representatives. In addition, my XXXX  father in addition to myself took a great deal of time over the last 48 hours to work with the Credit Union to ensure this matter was resolved, and I request that this be honored in full promptly. Please be advised that per what Ive been advised by Golden 1 representatives, this check has indeed been verified by the external bank with confirmation of funds availability as well. 

Please be advised that my distress at this time stems from the arduous process which I have been placed through these past two days, & with the information provided to me this afternoon by your staff today on a call today ( Inbound recorded - XX/XX/23 ) that once XXXX XXXX signs off on the check today, all funds would be available. 

This credit union has lied on several recorded calls with agents promising the release of my funds, and have taken no accountability for the abhorrent treatment of me and the economic hardship caused me. 

This matter is an emergent 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 2023-05-09
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-01-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Transworld Systems , Inc. ( TSI ) is a third party debt collector. I confirm nor deny any debt owed to TSI or the XXXX XXXX XXXX XXXX Exchange Services ( XXXX  ). I believe I have a case of misrepresentation against TSI. XXXX  closed and charged off an account, any remaining balance, if any, was sent to TSI for collection. XXXX  no longer controls the alleged debt. If XXXX  were to be called on the collection they say they have no control over the alleged debt and that it must be handled by TSI, XXXX  is a federal organization, TSI is not. TSI, in my opinion, has misrepresented itself as debt collector, in the attached document we clearly see TSI using the Department of Defense seal, as well as the Exchange logo, the seals and logos should not be used by a third party. TSI, is not apart of either government agency, rather they are a third party. In attempting to settle this dispute payments were arranged after receiving these invoices. My understanding is that these payments were going to XXXX. As it clearly appears, it looks as though this is going to XXXX  as a invoice/bill from the Exchange. However these payments are going directly to TSI, not XXXX. TSI is representing and appearing to be XXXX  and DoD by use of the respective logo and seals. TSI also continues to charge interest and additionally takes a payment fee for every payment made even though it is the sole beneficiary of these payments. I believe TSI has clearly misled and misrepresented itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I ( XXXX XXXX ) purchased a used XXXX XXXX XXXX from US Auto Sales located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX on XX/XX/XXXX. My sales rep was by the name of XXXX. The car originally had approximately XXXX miles on it and was diagnosed to be in great condition with all mechanical aspects checked and accounted for. The first payment was made on XX/XX/XXXX at XXXX XXXX  of {$250.00} with a confirmation number ( XXXX ). The following payments below followed : XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XXXX Payments were made via automated phone service. 
XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # XXXX ) XX/XX/XXXX : {$150.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$100.00} ( XXXX ) XX/XX/XXXX : {$200.00} ( XXXX ) My Customer ID XXXX with U.S Auto Sales before the merger on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  I called the claims department where I spoke to a representative by the name of XXXX. I explained to him that I was experiencing electrical issues that cause my car to turn off and display all dash lights. XXXX then provided me with a claim # : XXXX. I ( XXXX XXXX ) also reached out to my Sales Rep by XXXX who I explained the issues to, and I was directed to a Repair Claims FAQ card. 

I am filing this claim because my balanced owed on the car does not reflect the amount paid and I was falsely sold a car that stated that all mechanical work was up to date. However, once taking my car to the XXXX dealership it was explained that the car needed Drive Belts replaced, the brake fluid was never replaced and very dirty along with the transmission fluid. I also received my first oil change ( XX/XX/XXXX ) 2 months after purchasing the car on XX/XX/XXXX, after it was stated that all fluids were of good standing and up to date.

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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
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 have not given Citizens Bank permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Citizens Bank is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Citizens Bank. 
This item has violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been attempting to clarify what documentation is available should I choose to make a one-time payment to satisfy the requirements of the XXXX Maryland student loan debt relief tax credit. I have called FedLoan Servicing on multiple occasions but have not been able to reach a representative in a timely manner on any attempt. Additionally, I sent an email on XX/XX/XXXX ( wording attached ) to determine if proof of payment documentation would satisfy the requirement. I have not received any response. 

I am simply trying to confirm whether if I made a one-time payment if I would receive documentation that included all of the following : 1 ) the lending institution 's name pre-printed on the document, 2 ) the full name of the borrower pre-printed on the document, 3 ) the dates of the payments must be dated any time after XX/XX/XXXX to the present, and 4 ) the dollar amounts of the payments ( principal and/or interest ).

I am extremely concerned about my inability to reach anyone at FedLoan given they will be closing for good soon. There are still a lot of questions I feel need to be answered and would appreciate a response so that I have the information required to feel comfortable making a payment right now and that I am confident I will receive documentation that will allow me to clear my tax-related liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account number : 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 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
Consumer complaint received 2023-09-18
Company: SOUTHSTATE CORPORATION
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:
On XX/XX/2023, opened a checking account in response to an offer with {$200.00} bonus for meeting requirements of having monthly cumulative deposits of {$250.00} AND completing 15 debit card transactions within the first 60 days. Further terms indicated that upon these requirements being met within 60 days, the bonus would be paid within 2 business days. Having completed direct deposits on XX/XX/23, XX/XX/23, and XX/XX/23 and completing the 15 debit card purchases on XX/XX/23, all requirements were met on or before the 60th day of XX/XX/2023. However, to date, now the third business day since the 60 day opening period, I have not received the advertised bonus. 

Moreover, in connection with opening the account, two XXXX XXXX inquires were placed on my file, indicating one seemingly being a duplicate. Despite disputing, South State Bank provided information to XXXX XXXX that indicated both as valid, when in fact only one is valid in connection with this account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts : 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 Hard and soft inquires 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 MAKER 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 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 explanation