BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account XXXX : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation

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 2019-02-13
Company: EQUIFAX, 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:
On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX  XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and Equifax and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$0.00} ; US XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XXXX INT XXXX Balance Owed : {$750.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$15.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$110.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$280.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$140.00} ; XXXX, XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX CT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY 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 2022-07-13
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

Transunion ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!

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 2023-08-11
Company: Bay Area Receivables, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered on my free annual credit bureau report a collection account # XXXX for {$560.00} by Bay Area Receivables. I dispute this entry item as Bay Area Receivables has not followed proper procedures under the Consumer Financial Protection Bureau 's Debt Collection Rule as to notification of alleged debt. Bay Area Receivables never requested payment from me. Before reporting an alleged debt to a credit reporting company a debt collector needs to contact the party either : in person, by telephone, mail, or electronic delivery. I maintain no communication was received from Bay Area Receivables before they reported to credit reporting companies. No validation notice was given. Bay Area Receivables has not provided the how they contacted me, when they contacted me, and where they contacted me to satisfy this requirement. I have been at the same physical address now for over 30 years, with the same phone number that length of time too. And the same email address for almost two decades now.

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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2006 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX 7. I never gave written permission for this account to be on my consumer report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681 8. The following account is not mine XXXX Account Number : XXXX This is not mine. 
9. Date last active is inaccurate and the account is not reporting to XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681

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 2022-05-28
Company: Social Finance, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Approximate one month ago ( XXXX. XXXX, 2022, I believe ), I found that I couldn't use my SoFi credit card and the app indicated that I needed to activate it. This was strange since I'd had the card for quite a while without issue, so it shouldn't have suddenly needed activation, like a new card would. I called SoFi that day and they told me the card had been reported as lost or stolen and was deactivated. I asked them when this happened and they told me it was the day before I called them, which I had not done. 

During my call, I asked for them to investigate who made the request since I am the only person authorized to make this type of request. I was told I would be contacted within two weeks, but more than two weeks later, I still haven't gotten a reply. I also asked why they didn't send an email or letter informing me of this as every other credit card issuer does and I didn't get an answer. The agent said she did not know either. 

I have still received no information and my account is still frozen. I believe this practice is unfair since I am not being informed about decisions that affect my identity and security, as well as not being provided with information about how this could have occurred. I do not believe that SoFi is properly investigating this and has been negligent in taking action on potential fraud. They also have not provided me a case number, telling me only that I will be contacted and provided the case number, which also has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Shellpoint Partners, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Shellpoint on XX/XX/22 via certified mail. The letter was received by the recipient on XX/XX/22. In the letter, I requested all of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Shellpoint received the letter on XX/XX/22, but has not replied. None of the information that I requested to actually validate this debt was provided. Additionally, I asked that if Shellpoint did not provide all of the requested information and validate the debt, that this debt be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened my bank of America account on around XX/XX/XXXX. I also attached the {$300.00} checking account offer to my checking account. The offer code was XXXX. I fulfilled all the requirements on XX/XX/XXXX and XXXX, which is direct deposits totaling 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 monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened PNC virtual wallet performance select account on XX/XX/XXXX, and it was advertised saying to have direct deposit for {$5000.00} and get {$400.00} bonus, the bonus should credit to account no late than 90 days. however, it's already over 90 days, I did not receive the {$400.00} bonus as they promoted, and I tried to contact PNC to resolve this issue, the agent on the phone was verified I have completed the {$5000.00} direct deposit requirement, and then she created case # : XXXX and ask me to call back few days after to check the status. I called today, and they say I'm not qualify, but today I call PNC to check the status, the agent told me the case was resolved yesterday, and saying I'm not qualify this offer so they did not credit the bonus, because I received bonus on XX/XX/XXXX, it's not 24 months yet. But this is not true, I was having XXXX account during that time, and the bonus was from XXXX, but in XXXX XXXX merged into PNC in XXXX half of XXXX, so it looks like PNC also take XXXX welcome bonus offer and transactions after XXXX merge into PNC, however, I actually signed up XXXX account and get the bonus from XXXX before these two company merge, so I actually did not get bonus from PNC during that time. so I should qualify the bonus since I did not receive PNC account bonus more than 24 months, and in their terms did not mention say customer who receive bonus from XXXX also included in the 24 months period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I earned XXXX points using my Citi credit card. A week after i redeemed them Citi lowered my credit limit by {$270.00} and it effectively wiped out most of the points or {$340.00}. It, Citi, will make up a bogus reason on why they lowered my credit limit, but they did this so I couldn't get credit for all my points. I have never had a credit card company lower my credit limit, when I have never missed a payment. I'm very angry they have so little ethics they would do this. They are making a lot of money off me and others and this is pure greed and cheating me, the consumer, out of the points I earned according to its rules.

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 monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
TransUnion is refusing to investigate my identity theft claim citing that that identity theft is not " valid ''. I submitted my Identity Theft Report from the Federal Trade Commission to TransUnion and TransUnion is stating that report is not valid. TransUnion is violating my rights as a consumer and is willfully enabling Identity Fraud. I am once again attaching my ID Theft Report from the FTC and my letter. TransUnion required by law to investigate my claim and block and delete the items listed within 4 days and it has failed to do so. TransUnion is guilty of enabling Identity 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