BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$1400.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT

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 2023-01-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called to get more info about it. They left me on line waiting for XXXX min, they couldnt provide me with info and they hung up the line on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 AND XX/XX/2023 I received these notices from Synchrony Bank that my accounts from JCPenney and Belks Department Store were being closed because of I made dishonored payments on other accounts with Synchrony Bank. They have since closed my accounts with Lowes and Rooms to Go Furniture store. I called Synchrony Bank on XX/XX/2023 and they connected me with the fraud Department the Rep I spoke with told me that there were several attempts to make a one-time payment to my account of {$3800.00} and of course I did not have that in my account to start with and I nor my husband ever tried to set it up as a one-time payment. I always call my payment in as it is due monthly XXXX the last of which was paid XX/XX/2023 of {$150.00}. I would never try to set up a one-time payment of such a large amount knowing that I do not have it in the bank. I had notifications set up on my phone that will tell me if something was wrong with my bank account I never got anything notifying me that such a large amount was trying to clear. They never told me how it was supposedly being set up time, day, or anything. I work an hourly paid job my husband is in the military. We live paycheck to paycheck to pay our bills we just purchased a house. There is no way that I would set up a one-time payment of over {$3000.00} to come out of my account

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 2023-10-24
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at approximately XXXX XXXX  XXXX XXXX attempted to make a deposit at the PNC ATM located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$640.00} I inserted the money into the machine and as it was counting the money on the screen the screen then indicated unable to process this transaction. It retained the money and did not provide any receipt. I then attempted to reperform the function and the deposit feature was greyed out and not an available function. 

I then chatted with a PNC XXXX " XXXX XXXX '' on XX/XX/2023 to file a REG E dispute reference # XXXX. Provisional credit was issued. As a result, I had several Overdrafted transactions costing me {$110.00} in fees. On XX/XX/2023 my provisional credit was reversed. I did not receive advanced notification that my account would be debited. I contacted a PNC agent to reopen my claim - new claim id XXXX agent name XXXX. Since my provisional credit was reversed I may incur additional overdraft fees. 

I asked to escalate and speak to a supervisor and I was told it would not be of help. I wanted to know if the machine cash balanced when serviced by their vendor and balanced to the electronic journal or settlement receipt. I also would like to know if other customers had filed claims on the machine which may not since the deposit feature was disabled after my transaction. I would like to know if video was reviewed showing my transaction. I would like to understand if there were any software or machine malfunctions noted. I was not provided any details of this nature. If the machine was functioning properly were there additional deposits successfully completed after my transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
My car was repossessed today by Wells Fargo. I did not realize my loan was 3 months behind. I thought it was coming out of my bank account. I did not check bank account as I and my husband have been very ill, my husband being XXXX and can not XXXX  and I was not able to. Today at repossession I tried to get into my account and couldnt. They did not have any paperwork to give me, but the gentleman who was repossessing my car told me he would call the police. I am XXXX XXXX XXXX and was very afraid I would be arrested if I didnt give my car over to him. Now I am faced with insurmountable charges and I fear they will take my car. I believe this is what they want, my car. What can I do. I have never had this happen to me in all these years. I am afraid. Wells Fargo agents said they sent communication that this would happen but I never received anything. Can you help?

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 2023-02-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, On XX/XX/XXXX, I applied for a Lowes credit card in store at Lowes XXXX, NY location. After submitting my information electronically I was told that further information was required in order to proceed with my new credit card application. I immediately called the contact # provided at Synchrony bank and I was told to do a live video recording in addition to taking a picture of my driver license and submitting it electronically. I complied and provided everything, including my social security #, video evidence of my face and pictures of my driver license. I was then approved. I even made purchases without the card by referencing my phone # and social security # at the Lowes checkout. 

Today, XX/XX/2023, I received my credit card and bill for the amount I purchased in store on XX/XX/XXXX. I tried to activate the card online and on the phone and was denied because Synchrony bank wants additional information : copy of my driver license and utility bill physically mailed to a another location. I refused because I already provided this information and I just want to be able to activate my card and make payment to the account. However Synchrony bank still indicate they are unable to help me. This has become infuriating because I already provided all this information when I applied for the credit card in the first place. Synchrony bank already has all this information and they already APPROVED my application. Why is it so difficult for me to just activate the card so I can go online and make payments? I do NOT want to have to send my personal information again when I have already done so. Please file this complaint with Synchrony bank and Lowes. 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 2023-12-20
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
FNBO Amtrak Reward Credit Card I can log in to my account, but then there is no option to view balance, make payment, etc. This is the case via XXXX  app and FNBO website on a XXXX laptop. When I click " contact '' on website I receive the following message : " Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' Other FNBO account holders report similar issues on 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 2023-02-14
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:
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. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Account name 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 2023-09-20
Company: EQUIFAX, INC.
State: TX
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 AM VERY UNSATISFIED WITH XXXX THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH XXXX they said they sent out letter to me they have lied and continuously lying perjury on government document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-11-03
Company: EQUIFAX, INC.
State: MD
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:
PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My complaint is with Chime. I transfered {$160.00} from my XXXX XXXX to my chime about a month ago. They immediately suspended my account. I have done everything they've asked of me. I submitted documents 3 times and when I reached out to stride bank they said they would resolve it about 2 weeks ago. I contacted chime today. They closed ny account while I was on the phone. They said they would help and even had me submit documents again. Now they want me to wait another 30 days to maybe get a check sent. I don't understand why they can't just reverse the money back to my XXXX  XXXX. I can't afford to wait another month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
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 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 explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of 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 2023-04-28
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email from PayPal Thanking me for a purchase for an Antivirus Application. I do not have a PayPal account. I called the number listed on the invoice and let them know that I did not make this purchase and the individual I talked to got very hostile after he asked me to login to my computer so he could fix the problem and I refused. He informed me that he was PayPal 's " XXXX XXXX XXXX ''. I refused to give him any personal information. The number I called is ( XXXX ) XXXX. I DO NOT have a Paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
After my time being hospitalized I was unable to work and had no income. I contacted the company about making installments to pay my medical bills. I did as much as I could afford and it was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a XXXX balance. I would like your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX, have updated the information correctly with a XXXX balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a XXXX balance.

Company response to consumer: Closed with explanation