BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2018-09-24
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have advised the CEO of this company twice about their practice of billing my account when I have cancelled the payment. Whenever, I cancel that payment and advise them that I will make the payment on another date they still BILL my checking account thereby causing my checking account to to overdrawn. I discussed the second billing with them on XX/XX/2018 to cancel a payment they billed my account on XX/XX/2018. again this is the second time that this has happened. Account # XXXX -their phone number is XXXX and their fax numbers are XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a long-time customer at PNC Bank

. On XXXX XXXX XXXX, I attempted to make a XXXX transfer of {$500.00}. In error, two digits were transposed. A few days later, the recipient called to inform me they had not received the funds yet, which prompted me to call the PNC bank to report the issue as soon as possible. Prior to contacting PNC Bank, I tried reaching out to the phone number the funds were sent to in error and had no luck. PNC Bank took in my XXXX  dispute and advised me an investigation will take place and someone would contact me. 
As of today, XX/XX/XXXX, no one from PNC Bank has reached out, however I received a letter dated XX/XX/XXXX stating my claim was denied because according to their investigation, " The Transfer was valid and processed as instructed ''. 
I decided to contact PNC Bank to inquiry about the claim determination and to understand how this " investigation '' was handled when they never called me. I spoke to someone named XXXX, she transferred me to someone else named XXXX. XXXX then told me that the investigation was done by validating the information I had input while the transfer was being done through the online banking portal. To my surprise, I can not understand how they considered this an investigation because I told them it was a valid transfer that I was making, however it was sent to the wrong person ( I guess, I conducted my own investigation ). I also questioned her about how PNC Bank protects their customers from situations like this, and if there is no protection for the customer, then why are they providing such service? She stated the service is protected, however only for Unauthorized charges, which makes absolutely no sense to those who are conducting authorized transfers. She then transferred my call to someone named XXXX which stated she would escalate my complaint and have someone call me. 
As a long-time customer, I shouldnt feel the need to be treated this way ; I made a mistake and did what I thought was RIGHT, but here I am- out of {$500.00} because PNC Bank offers a service at the expense of their customers. PNC Bank shouldnt promote a service they can not back up or offer consumer protection- this should be illegal. 
I would like for the {$500.00} to be credited into my account as soon as possible- thank you. 

I can be reached by phone XXXX or email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, 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:
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , equifax and XXXX. these companies have not corrected the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws , and nothing has happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

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 2018-05-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to buy concert tickets via my bank Chase and a transfer service XXXX. I was purchasing 2 tickets at XXXX $ each for a total of XXXX XXXX I did the initial transfer and then was told by the scammer that he accidentally declined it. I requested to see confirmation but he said it was a " pop up '' and he didn't have it. 

Reluctantly I sent another XXXX XXXX he stopped responding, and I have since tried to get any sort of identifying information from both chase and XXXX. Both have said there is nothing they can do for me. They initiated a claim and said they could send out a letter. 

There is identifying information about this individual that they have available to them but refuse to provide to me based on company policy in turn protecting the thief who stole from me when, within their power, they have the ability to find out what bank account this was transferred to and then the name associated with that account. In other words they can find out who stole from me but are withholding this information as well as declining to reimburse me for the money that was stolen. 

Chase Claim Number : XXXX This person who stole from me has identified themselves as " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Mountain Run Solutions, LLC
State: TX
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:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: DE
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:
Please update credit report to show no late payments for the last 24 months in accordance with the Good Will Letter 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 explanation
Consumer complaint received 2022-12-30
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received email alerts the morning of XX/XX/22 from Target that an account and a XXXX XXXX Credit Card had been opened in my name, also charging a {$200.00} gift card to the account. 

I reported the fraud alert to Target and requested to close the credit card opened in my name, however they had old addresses, email information, birth date, and social security information that led me to believe they had stolen my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX # 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 an account without my written instructions

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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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 submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive numerous calls for someone with a similar name. Today, I received 61 calls between XXXX XXXX XXXX. No voicemail was left

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: SLM CORPORATION
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received frequent calls-multiple times a day from the company. I have not contacted as I have a third party contacting them and they refuse to stop. Today XX/XX/18 I spoke with a representative and they stated they would not stop contacting me until I set up a payment plan. I informed them I would not be doing that as I had a third party company and they stated, they do not work with them and I would be wasting my time. They continued to stated they were not harassing me with all these phone calls. They also reached out to family and friends ( some I had not spoken to in years ) to get a hold of me. They told them they are trying to get a hold of me as I have connections through those people..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Was not notified of investigation status or results

Complaint:
Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to TransUnion, XXXX and XXXX disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
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 sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired.

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 2021-12-17
Company: SYNCHRONY FINANCIAL
State: MS
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:
Unauthorized inquiries own my report

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 2022-12-30
Company: EQUIFAX, INC.
State: DE
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:
Equifax continues to report " XXXX '', an account that they confirmed has already been deleted from my credit profile. I have the paper documents from Equifax as well as the confirmation # from the initial dispute results THAT SPECIFICALLY SAYS " THIS ITEM HAS BEEN DELETED FROM YOUR CREDIT FILE ''. 


Equifax Dispute Confirmation # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 am a victim of identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times. They are refusing to fix and always claim its verified with no proof.

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 2021-12-17
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
2. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
3. XX/XX/2021 the loan modification process started and I was notified that the process took 45 days to date no action has been taken by Freedom 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