BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit repair company has failed to investigate and delete the accounts requested to be deleted due to being 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 2023-08-24
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive credit card statements for XXXX or XX/XX/XXXX. I was not aware of this until PNC called me in XXXX to say that my cards had been suspended for failure to make payment. I called them and spoke to an employee named XXXX. He said that they had received a bill back from the post office and as a result had not sent more statements. He verified the address which had not been changed. He sent me copies of the missing statements. I immediately paid for purchases I had made excluding any late charges or interest. He told me they could only reverse one charge a year. The {$15.00} late charge was reversed on the XXXX statement. In the meantime and on all subsequent bills late charges and interest charges kept being added. On XX/XX/XXXX I spoke with XXXX XXXX. He agreed that it was not my fault that the post office had returned the mail and that he would escalate the matter and it would be taken care of. The XXXX bill arrived today. I called PNC again. I spoke initially with XXXX and then with a supposed XXXX named XXXX neither of whom could resolve the issue. There are {$69.00} in charges that was assured would be taken care of and have not. They are as follows : {$29.00} late charge ( XX/XX/XXXX stmt ), {$2.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} ( XX/XX/XXXX ), {$15.00} late fee ( XX/XX/XXXX ), {$9.00} interest ( XX/XX/XXXX ), {$8.00} interest ( XX/XX/XXXX ) Total {$69.00}. I have been a customer of PNC or one of its XXXX banks for 30 years. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I received a voice message from Ally regarding our car loan being delinquent. I called them back later that day. I was told by the representative that the account was delinquent by {$1000.00}. I explained that I would make payment by Monday XX/XX/2022. I was asked if I would make a payment of {$1000.00} by XX/XX/2022 THREE times. I affirmed my answer all three times. 

On XX/XX/2022 I created an online user name and accessed my account. The account showed over {$1700.00} delinquent. I made my payment of {$1100.00} on XX/XX/2022. I noticed a remaining delinquent amount of {$190.00} and {$530.00} in late fees. I made the payment for the {$190.00} on XX/XX/2022. I called Ally on XX/XX/2022 and asked for an explanation of the difference between the delinquent amount from {$1000.00} on XX/XX/2022 to over {$1200.00} on XX/XX/2022. I received no response. I also requested a waiver of the late fees since my account was now current. The representative indicated that he would submit that request but a maximum of {$37.00} could be waived if that. I find the late fees to be draconian since the account is now current and the interest being charged is nearly 11 %. The ever-changing balance seems to be suspicious as well. They indicate that they record phone conversations. I'd like to review the conversations I had with them and know why the amount due changed over only 3 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 explanation
Consumer complaint received 2023-05-01
Company: Kentucky Higher Education Assistance Authority
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a XXXX XXXXXXXX XXXX XXXX in XXXX. This scholarship either paid for your entire school, or it was converted into a loan if the school or service contract was not completed. I took a year off of school to deploy in XXXX with all intentions of returning to school and picking my scholarship back up. When I returned, I was informed that I could not do that, which was the opposite of what I had been told prior to leaving. I received a correspondence from the Kentucky Higher Education Student Loan Corporation saying that my scholarship, now loan, was in default. I began paying them back, lost a job, and had to stop paying. The KHESLC sued me. We went to court for this matter, since I had the time in service that was stipulated in the contract, and I later received a letter that the matter was dropped. Since then, I have not received any communication from the KHESLC. I have, however, received credit alerts, about once every two years, that I am behind on my student loan payments to the KHESLC. I called the corporation to see what could be worked out, and they had no information on my loan/scholarship/default anywhere in their system. I have tried multiple different ways to get this removed or somehow taken care of, and none of them seem to do any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-09-29
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 FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Bank has refused to my complaint to me or my agent XXXX XXXX. There is no attorney who represent me for my mortgage and loan modification so on Period. XXXX XXXX HUD counselor is only representing us for loan modification and mortgage. Attorney only reparent us for violation of privacy law changing our address to strange place. Bellow is what I wrote to Wells Fargo Bank on XX/XX/2021 on their phony response. 
Since XXXX and unit XX/XX/2021 we have provide multiple and authorization to to HUD counselor and Wells Fargo Bank refused to communicate with XXXX XXXX. On authorization is attached. 
Below is my attorney information who will deal with only privacy laws and I will ask him to file lawsuit of {$5.00} XXXX dollars. 

WELLS FARGO BANK IS DENYING US RESPOSNE ON A FALSE AND PHONY REASON.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Address : XXXX XXXX XXXX I XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, Fl XXXX, XXXX XXXX XXXX XXXX, VA XXXX Employer : 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 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 2019-08-11
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I what to know HOW u take late rent deposit that was XXXX and security deposit of XXXX and the whole walk through of the apartment with apartment management at the time I have the paper he checked all PROBLEM and no problems .The funny thing about everything I moved out in XXXX XX/XX/XXXX And I what to know how u change a person move on date when I moved in on XXXX XXXX and I know you can't a person move date ur first lease is the right lease agreement u make and they change it to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Cascade CISS Holdings, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: SYNCHRONY FINANCIAL
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:
Hello, I'm having an Issue with PayPal Reporting Policy. I opened an account with Paypal on XX/XX/23. I made a purchase for {$69.00}. On XX/XX/23 I was notified by XXXX that a new account has been added to my report and I have a Balance of {$69.00}. Few Issues with this. 1.The billing period has not ended ; I haven't received a statement, and when I called Paypal I was told that my statement period will end on XX/XX/23 and my balance will be due at the end of XXXX. So why has paypal notified the credit bureaus of my balance before notifying me? 2. I called and spoke with a supervisor to try to get paypal to correct their statement however, the Supervisor I spoke with tried to justify what paypal has done. 

paypal needs to correct that statement they have made to the credit bureaus ; XXXX should have never reported a balance without notifying the consumer of their balance first!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-04
Company: EQUIFAX, INC.
State: MD
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 Several 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 Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal has limited my account based on the fact that, I had one instance when Ive been using this account for a year plus of fraud. The fraud was on my PayPal debit card, because I filed a claim they permanently limited my account and are refusing to allow me access to my XXXX XXXX  balance for 180 days, yet the email they sent me says I am able to withdrawal any available balance, but my account will not let me. It is a violation of reg e for PayPal to not take my claim seriously and instead of investigate the unauthorized charges on my account they proceeded to just instantly ban me locking my available balance. I expect the limit will be reversed and my funds released to me ASAP. 

Reference ID XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 609 ( a ) ( 1 ) ( 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 a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature 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. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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 2023-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX I had became an authorized user on a XXXX  XXXX account my score was XXXX equifax in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital XXXX account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from XXXX  XXXX and XXXX  XXXX equifax is not showing anything and is saying I was removed from XXXX  XXXX which is incorrect from XX/XX/XXXX to XX/XX/XXXX XXXX still an active XXXX  XXXX member for my own account as well as the account that Im listed on as an account XXXX with full access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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