BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. 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 2018-09-07
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:
My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2023 TransUnion received the following request to block, On XX/XX/2023 XXXX received the following request to block, and On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested TransUnion, XXXX, XXXX and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 TransUnion received the following On XX/XX/2023 XXXX received the following On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place.

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid for the internet service provided by XXXX XXXX while working for a former employer ( XXXX ). I was called to duty for the XXXX XXXX  and knew I would be gone for some time, so I called to cancel the service and a representative of the company informed that I can turn in the equipment mailed to me ( for use of service ) in at a certain location, ( Which I did the following day ) and that no charges would be incurred. To my surprise a few weeks later, I started receiving mail saying that I owed money. Then sporadic calls from XXXX representatives, and now nearly daily calls ( sometimes multiple calls throughout the day ) from a law firm of Maury Cobb. I informed them that I wanted them to stop calling, but it has not stopped. These are unsubstantiated charges ; and this minor issue is creating hindrance for me, as I am in the process of looking to purchase a home for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Frontline Asset Strategies, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022. I switchedfrom XXXX XXXX company and move to another. As soon as I changed I called them and cancel services. I had just paid my service amount just three days before the the 15. With this being said I called once or at least twice to made sure I didn't owe any money after talking to representatives they sated I waa fine, my account waa clear and I did not supposed to pay any more money my account there was clear and in outstanding. After 1 month, the month od march I received a " bill '' saying I owed {$170.00}, I called XXXX XXXX again and the male representative said he did not have a clue what that bill was. And he stated " it is probably a scam because you do not owe anything ". In may i received a final letter about collection for the amount of {$280.00} dollars. Now, I feel very frustarted and overwhelmed about this situation because they did not only lied to me but, they refrained from telling me if I owe anything at the very beginning from the cancelation date. They waited months to sent me bills and to collect as much as possible fees and charges that I am not even responsible due to the lack of knowledge and miscommunication amoung the company itself and representatives. So, they requiring me to pay such amount of money when in the first place the fail and refused to admit I owe anything. I need help in this matter please. One thing I want to be clear it is not about the financial issue, it is about preventing this unjustice act to keep happening to othe people. Is that how they make profit? Out of jard working eople that strive to pay their bills on time? Is that how they treat their customers after years of being loyal to their company? Do they provide excellent training to the workers to lie or omit information to the customers??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023 XXXX received the following request to block, On XX/XX/2023 XXXX received the following request to block, and On XX/XX/2023 Experian received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX, XXXX, Experian and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 XXXX received the following On XX/XX/2023 XXXX received the following On XX/XX/2023 Experian received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Balance {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I sent a partial bill pay to XXXX XXXX XXXX for the balance that was in my account at that time ( {$20.00} ). That night PNC drafted that money THEN charged me a monthly service fee for having a FREE CHECKING ACCOUNT of ( {$7.00} ) THEN overdrafted my account assessing both a {$36.00} overdraft charge and THEN a {$21.00} overdraft fee and now they are charging me a {$7.00} per day fee to which I have been told will continue causing overdraft fees and charges for the next fourteen days until the billing cycle closes which is a random date picked by PNC of somewhere between the XXXX and then end of the month at which point I will be assessed another round of the SAME FEES FOR FOURTEEN MORE DAYS. 

Endless fees. In my state yo can not open a new bank account or close an old one without paying the reported negative balance off which means I will never be able to banking services again since the fees will never stop and PNC refuses to close the account. I can not believe that this is allowed to happen since it is an intentional victimizing of people for being poor. I could get better financial help from organized crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi the account was closed out XX/XX/XXXX but now I field a dispute because I'm a XXXX XXXX order ca n't drive there and there saying I stop into the branch on XX/XX/XXXX to close it out in my own hands I ca n't drive so I want a answer and th branch manager retired XXXX XXXX and I'm trying to get a account open for my ssi payments there for government funds for direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC XXXX, TX Branch Office NMLS ID # XXXX When NewRez began servicing my mortgage in XX/XX/XXXX, they began charging me for PMI without my knowledge. I had previously had this removed when mortgage was being serviced by XXXX. I was below the Loan To Value ratio that permitted it. 

I was charged {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$49.00} on XX/XX/XXXX {$99.00} on XX/XX/XXXX None of these charges are legitimate and I have requested refunds for the misappropriated funds but to no avail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received a letter from a debt collector ( National Credit Adjusters , LLC ) that says we own more than 700 hundred loan related to my property from a loan company XXXX XXXX XXXX XXXX XXXX XXXX ) that we never know. We are trying to dispute it. The debt collector ask us to provide FTC Identity Theft Report that specifies the original creditor and original account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Bread Financial Holdings, Inc.
State: AR
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:
comenity capital bank had several accounts for XXXX XXXX XXXX and XXXX XXXX XXXX, we have suppressed XXXX and XXXX has since XXXX we are prepared to take all credit furichers to court should they fail to get XXXX to block our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company Genesis FS Card Services is stating that I owe them {$1700.00}. there has only been purchases of {$970.00}. I don't see where they say they have credited me {$1700.00}. these are false statements and there is no purchase in any of the areas that show this much money was being used or has been used for any purchases. The statements are vague and they don't have all information theinformatin for XXXX and XXXX which statements we're not correct. 

The company was notified twice during the month of XXXX and XXXX about the incorrect balance.There was no feedback during this time that gave me the satisfaction that what was being said was true. There are no purchases or changes of any service or items that match the amount the company is saying I owe them. The true balance shows within their web page portal and dashboard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This is a debt collector trying to collect a debt my mother in law allegedly owes. I have told them I am no longer in contact with her. They have called me twice this morning before XXXX. I just want them to stop calling me

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
at first they said fraud protection will cover this theft then they said they can not help and will not pursue further and suggested I open a police report to subpoena the bank records.

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 2022-10-20
Company: Experian Information Solutions 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:
The following summary will detail my complaint of questionable/possibly illegal scoring practices by Experian Credit Bureau XXXX 
{ Date of Events } XX/XX/XXXX - Credit score increased from XXXX to a XXXX XXXX Credit score increased from XXXX to a XXXX XXXX Credit score dropped from a XXXX to a XXXX. This equates to a XXXX point drop in a single day. The reason stated was significant increase on a XXXX credit card. Usage went from below 3 % to 19.94 %. Also, all credit lines remained at 13 % usage. The credit usage for XXXX has since dropped back to 3 % usage. 

XX/XX/XXXX - XXXX XXXX increased from XXXX to XXXX. 

XX/XX/XXXX - XXXX XXXX decreased by 2 % despite the overall total credit usage remaining the same or lowered. 

Also, a XXXX XXXX line of credit was reported as a " XXXX XXXX '' in XXXX of XXXX through XXXX of XXXX was suggested as a reason for the drop. This information is false. I receive constant emails from Experian suggesting I participate in the Experian Boost program that would allow my on time household payments to positively impact my credit score. I have chosen to not participate in that program, not do I apply for the many credit cards Experian has matched me with. I suspect that the questionable/possibly illegal scoring practice is utilized to influence a consumer 's decision to participate in their suggested programs and/or apply for their suggested credit card recommendations for fear the significant drop in scores will continue. Please investigate this practice. It is alarming and may very well disproportionately impact people of color. I look forward to hearing back from you regarding this formal complaint. 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