BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2019-07-28
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to use Experian 's online facility to obtain my credit report. I am prevented from using XXXX web site because I live in XXXX. 

i could not speak to a human about my problem and the web site asked for a XXXX  address. I HAVE NOT lived in the XXXX for the last 15 years. Nowhere did i have the opportunity to enter my XXXX address before I was told that the report would be mailed out. WHERE? To a place where I have not lived in the last 15 years? Is this only for XXXX residents? I AM a native born American with credit in the XXXX to protect! 

I wanted to use the Experian web site because my social security number would not have to travel thorough foreign mail, and avoid long mailing times to/ from Experian XXXX My credit report should NOT be sent to a XXXX address only, especially when I haven't been there in the last 15 years. There is NO provision for me to enter my correct address on the Experian web site. I think Experian doesn't care aboout my correct address - only records in the database which have XXXX states and zip codes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-04-18
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business checking account with PNC BANK on XXXX EIN- XXXX. My business didn't do well. They started charging me {$10.00} fees every month. They called it maintenance fees. Moving forward I went to close the account on XXXX inside the branch. The attendant gave me the remaining balance and told me she couldn't close the account due to pending transactions. I asked her before she let me go was there any documents I needed to sign and copies to prove my account is closed. She told me no and I left. When I left a XXXX  man came in with a briefcase and walked right in as I was leaving. I remember it like it was yesterday. She would call me and notify me when the account is closed. She called me and told me the account was closed. FDIC rules and regulations upon closing an account your suppose to provide me with my last bank statements, sign a closing account form to make it official and give me disclosures. Of which it never happened. I am grateful I printed out bank statements of my account and I have evidence. Today on XXXX I went to the branch I asked to speak to a supervisor. I went in the office and she begun to make phone calls to antagonize me and intimidate me and pretend she was confused that I didn't know what I was talking about. I told her I want my bank statement and the account closing form I was suppose to receive and she refused to give it to me. She then showed me my account and told me my account balance was on {$0.00} when I closed the account and stated there was no forms I was suppose to be given. They are lying and trying to cover up information of a money laundering scheme going on with my bank account. i don't want one day to have the government at my door due to an account i thought I closed and technically I didn't when the bank is the one in charge of this fraudulent scam. I can only imagine how many people who think they closed accounts and they are still active because of this bank taking advantage of certain demographics of individuals in certain zip codes who aren't aware or don't know the laws or rules and regulations to see these things are happening. I almost didn't see it and they could've gotten away with this if I wouldn't have done my research. If someone can please please investigate on this matter. I am exhausting all my chain of commands until something is done. This is illegal and it should not be happening. 

Thanks In Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an online banking relationship with Capital One, as a customer with multiple accounts. When using the company 's mobile app to deposit a check, the app requires me to enter the amount on the check being deposited and then to upload a picture of the front of the check and the back showing endorsement. However, on occasions when a is HANDWRITTEN, after the check is processed, the company adds additional cents to the amount cashed and deposited as if the check was written for an higher amount, {$0.00} most recently. 

I closed accounts with Capital One, being offended by this issue, and others. It has happened at least once before previously, approximately in XXXX of 2021, but the account used in now closed and records are not available to me to verify. The amounts have always been less than a dollar, but it would make sense that it could be happening with other customers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on 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 explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-18
Company: CL Holdings LLC
State: AL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Sequium Asset Solutions, LLC
State: AR
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 recently submitted disputes to all three of the major consumer reporting agencies ; XXXX, XXXX, and XXXX regarding an account that was opened without my knowledge or consent. The name of the account was from a company named Sequium Asset Solutions for an apparent bill or account through XXXX XXXX  XXXX I've never owned or received any services from XXXX XXXX XXXX which I included several pieces of supporting documentation in addition with my disputes. For some reason even after being notified from the credit bureaus Sequium Asset Solutions continues to report this fraudulent account to the three consumer reporting agencies which violates the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. This illegal action has caused me to be denied credit and has given a false sense of reflecting an inaccurate credit score. Sequium Asset Solutions must and should be held accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2022-12-07
Company: Credit Karma, LLC
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 is missing that should be on the report

Complaint:
Hi, My name is XXXX XXXX i recently received a call from my bank about fraudulent charges on my card. That same day a XXXX number text me and told me to call a XXXX number. The next day i woke up and my credit score dropped XXXX points and nothing that drastic on my report changed to justify it. Also my credit karma password didnt work and i had to reset which has never happened. I feel someone has stolen my identity and did something that i cant see with it. I would like to jump ahead and get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company is reporting me {$210.00} from the cable and internet company. I do not owe this company anything and I ask that they remove that account from the three credit companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from 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 2019-07-28
Company: Experian Information Solutions Inc.
State: ID
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 do not reflect their accurate status..Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.

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 2022-12-28
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: Information belongs to someone else

Complaint:
according to the Fair Credit Reporting ACT, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-01-28
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:
XXXX dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a dark road. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX  that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the XXXX rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching XXXX. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.

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 2019-01-30
Company: Bread Financial Holdings, Inc.
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:
Since I have opened this account I have frequently paid within a 60 day widow and have never had any issues until now ... .. I brought my acct current on XX/XX/19 bringing my available credit limit to XXXX. I was informed that I will not be able to use the card for 2 months of regular statements and payments on time ... I need to use this card to make purchases for my daughters upcoming prom ... This is an unfair practice I paid bill and should be allowed to access my available credit and they are holding my card hostage .... This is just one of multiple issues with XXXX XXXX XXXX including improper posting of payments and unfair incorrect credit report reporting ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: ID
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:
This issue is an existing problem which Equifax, XXXX and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****

Company response to consumer: Closed with explanation