BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: BB&T CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a joint account with my under age son around XX/XX/XXXX when he was about XXXX. The account stayed in both our names until a couple of months ago but once he was no longer under age the account was his. He had direct deposit and paid his bills from that account. He married and still kept the account and wouldn't go to the bank with me to close it. I was told at the time the two of us had to be present to close the account. 

In XX/XX/XXXX I entered the BB & T bank in XXXX XXXX Virginia for a financial transaction. During that transaction I was told my son was bouncing checks and he had to pay every time once bounced. I was told there was a check protection program. 

I was told that I could purchase a service were the bank would cover the amount of the bounced check and once my son deposited additional funds the amount of the bounced check would be deducted from those funds. I said I would like to purchase this service. 

Since he is now in is thirties and married I considered the account as his private account so I didn't open any mail from BB & T that had his name on it so I didn't see any information about the account. 

A couple of months ago I found out that since I was the primary account holder I alone could close the account so I did. Since then I've been getting pass due notices on a loan. 

I called the collection agency and the informed me that I did not purchase a check protection program. What I signed up for was an {$800.00} loan with an 18 % interest rate and a minimum payment of {$16.00}. Also they checked my credit rating to issue this loan. 

The words loan, credit rating check, {$800.00}, 18 % interest and {$16.00} never were said to me. I am in shock that the woman I spoke with would tell me one thing then without my knowledge opened a loan in my name. 

I was told the bounced checks would be covered by the loan they issues me and not temporarily covered by them until my son deposited more money. I never would have agreed to pay for his bounced checks at a rate of 18 %. 

I don't know if the woman didn't know what the program was really about or if this is a type of scam but there is no way I would agree to this. 

I called last week and was told someone would get in touch with me by today. No one did. I called again and was told someone would get in touch with me. I haven't heard from anyone. 

Please look into this for me. 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 explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: AZ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update or remove them immediately in my report : 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 2023-04-10
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXXXX/XX/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 2022-05-30
Company: Bread Financial Holdings, Inc.
State: VA
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:
Went online in XX/XX/XXXX to shop on store website - then to check available credit line since I had not used that account > year. Immediately noticed balance. Attempted to review statements available but only statements available showed interest and past due fee each month. Contacted creditor by phone, English obviously was not primary language for rep. Explained had no knowledge of purchase that rep said had been made back in XXXX. Explained to rep that I had made no purchase on my card since XXXX of XXXX and had paid that off in full, had not received any statement showing balance due nor any notice that a payment was do. Req credit for debt while they provided me with proof of the charge and credit for all fees or finance charges assessed due to circumstances. Also req any removal of negative reporting to CB. Rep replied would be able to waive one fee as one time curtesy. Req his supervisor as this was not a curtesy req but a dispute of a charge. Was disconnected by agent. Since then have verbally chatted with them in regards to the matter and to re-iterate now that they have started collection actions against me in violation of my consumer rights that they must cease and desist calling my work phone number. To date, I now receive a monthly statement each month with an additional fee and finance charges, They have my work number on a dialer that plays a recorded message to call them, My credit report now reflects a seriously delinquent if no now charged off account which has impacted my credit score XXXX points already. My last chat conversation with the company informed I would contact CFBP if they could not take the corrective action requested. Still no response from XXXX, still continue to report inaccurate data, still continue to call my work number every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: SC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 3 fraudulent accounts along with fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: MI
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:
An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX  alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
during the process of calling Mr. Cooper Mortgage company, I was notified that the company was giving my information to third parties without my consent. I called and corrected this information, but they should have not been doing this without my permission or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account Number : XXXX - Delete account for inaccuracy ; XXXX and XXXX already removed this account. but XXXX still reported I was late in XXXX of XXXXIn accordance to 15 U.S. Code 1692e ( 6 ) this is a clear violation.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: WI
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Sometime about mid XXXX I applied for a credit card from the bank I have been with for nearly 20 years, PNC. The main reason I chose to apply for a card with PNC, as opposed to a competitor, was because they were offering a {$200.00} bonus after spending {$1000.00}. This offer remains on their website as of this writing ( link below ) and I applied via the link on the offer page. 

Over the course of about the next month or so after being approved for the card I spent over {$1000.00}. After not seeing the bonus I reached out to customer service at PNC via their app, who told me to wait for the first statement in XXXX. After not receiving the bonus again after this point I reached out to customer service again, but this time was told I would not receive the bonus. 

As I did not have time to contest this at the moment, I called PNC back and was told an investigation would be opened and should conclude by the following Monday. On the following Wednesday, now a few weeks ago, I called back after hearing no word from PNC. This time I was told the person working my case was on vacation, and I had to wait for her to return. 

As of this writing, I have neither heard anything from PNC nor received the {$200.00} bonus that I applied and was approved for months ago. If you can assist in solving this matter, I would appreciate it. 

https : //www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html? & WT.srch=1 & WT.mc_id=CC_GOOGLE_Search_KYSIN_S_G_B_CC_E & e=GOOGLE & m=p & k=pnc % 20cash % 20credit % 20card & gclid=Cj0KCQjwmICoBhDxARIsABXkXlIyx1y_7Wkql_RWNW5JE8SX9rnOlanPZ3_q4OlKgh0w8PMCBZwPcLIaAgxbEALw_wcB & gclsrc=aw.ds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I submitted a form to have my loans consolidated XX/XX/XXXX to aid advantage. I contacted XXXX XX/XX/XXXX and I was told it was not processed and could not be processed. I was given no clear answer but was told I would have to start the process over. I was told by the customer service rep that she can see the application but again I would have to start the process over. I have currently XXXX payments and I have applied for public service loan forgiveness. The customer service rep at XXXX also told me there was nothing that she could do and for me to submit the consolidation application again to studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions 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 disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX  XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2022-05-30
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TD Bank called about 1 missed pmt. We were in Tx with a XXXX scare. I called TD back, explained the situation and made pmt arrangements. I took screen shots. Despite arrangements they said I can't stop the calls and they will continue until its paid. Not even 30 days late fyi. Next time they called I waited and gave them fair warning to stop. Met with arrogance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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:
The following account is an error reported to my consumer report as a collection/chargeoff without my consent or permissible purpose as per the FCRA. This false information on my consumer report states an incorrect name/person who is tied to my personal information and is disabling me from obtaining good credit. A letter was sent to Experian Credit Bureau on XX/XX/22 to rectify this error and I have yet to receive a response from the bureau. This violation amounts to fraud and identity theft. 

XXXX XXXXXXXX - Account # : 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 2022-02-16
Company: Experian Information Solutions Inc.
State: NY
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2020-10-20
Company: Social Finance, Inc.
State: SC
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 have spoken with SOFI directly and have disputed the balance shown *twice* already. Rather than fixing the error, SOFI 's solution seems to be to drop back a month and report an even higher incorrect balance to XXXX. Twice they have reported to XXXX  that they are reporting correctly but clearly they are not.

Company response to consumer: Closed with explanation