BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: PNC Bank N.A.
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:
Since XX/XX/2018, I have been trying to inform PNC Bank that someone had used my card without my knowledge or consent. Somehow, PNC allowed the account to go over its credit limit by over {$4500.00}. The balance due is set at {$11000.00}. I duly informed them that someone had accessed my account and reported it to them, however instead of investigating like they said they would, they just proceeded to list me as a bad debt on the three credit bureaus. I have identify theft coverage through my insurance company and was waiting to hear their decision, but they never gave me one and have penalized me on the credit bureaus rather than assisting me with a clear case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$5600.00}

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 2018-10-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The caller is XXXX XXXX from XXXX XXXX. They call multiple times a day leaving voicemails stating they are coming to my home to serve me if I am not there they will come to my job. I told them to send a letter to prove I owe the debt and I will be willing to settle if indeed I owe this debt. While I do know at one time I had a loan with Cash Central,  they responded saying they have nothing on file for me. I asked if they sold a debt of mine to anyone and they never responded. XXXX XXXX from XXXX XXXX  refused to give me an address or a valid company name. There is no XXXX XXXX litigation company when I search online. The number they call from is XXXX. They go through the whole long voicemail about how they are coming for me.. at work.. at home.. with a uniformed officer. I have all of the call records and voicemails to prove it. They tell me to call XXXX. They say they sent me something 45 days ago. I said please email me or mail it to me because I did not receive anything. She said she cant because they already sent it! I am so done with these scamming collectors who violate all the laws! I will be reporting every single one and saving all of my evidence!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: IN
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 XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Chapter XXXX XXXX Indiana XXXX XXXX  XXXX filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( XXXX, Equifax, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : states a consumer reporting agency can not furnish an 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- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called transunion, XXXX  and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.

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 2022-08-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1st Wells Fargo let my ex transfer XXXX $ from my account making it negative I caught it while it was pending but they did nothing and let her empty my account then they told me to close that account after she stole more money and open a new one so I did Last week I deposited a check the money has been received from the writers bank but Wells Fargo was requested to make those funds available which they havent dont to this point and plan on holding my funds till the XXXX this has caused me to not pay my rent on time causing me more financial hardship after letting my entire account be drained a month of so previous These banks are so quick to take your money for fees and stuff I expect timely access to my earned income they are withholding and I really still want them held accountable for the XXXX stolen from me they did nothing about

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 2023-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-01
Company: Experian Information Solutions Inc.
State: MN
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 accounts listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized and not my 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 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 2022-05-01
Company: EQUIFAX, INC.
State: MN
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 accounts listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized and not my 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently sent multiple letters to Transunion and XXXX regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on XXXX and Transunion as late. This a violation of the FCRA and is affecting my financial reputation.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NM
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from 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 2022-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called into Capital One to find out why suddenly, I'm getting LATE PAYMENT ALERTS when each month a direct payment of {$80.00} is coming out of my checking account on the XXXX of each month. I NEVER had such an ALERTS come up on my XXXX XXXX XXXX until I filed a complaint on XX/XX/XXXX about a late fee. My payments were in on time through automatic bill pay. Now suddenly, these LATE PAYMENT ALERTS are popping up, so I called to find out why and I was advised on XX/XX/XXXX, FOUR years ago I took out a CASH advance from XXXX of {$300.00} with an interest rate of 26.99 %. Why wasn't I made aware that if this amount {$300.00} is not paid off, interest will still be added or even a notice to state that? Not only that the {$300.00} was added into my XXXX XXXX due, so I continued to make the payments shown. Not until I filed my complaint is when this came up. After being with Capital One for over 50yrs, I can't play these nick picking games with them, it must STOP. With all the interest I'm being charged, this should have been paid off. 

Please take note, after my first complaint was closed, suddenly this is the very first email I received pertaining to {$300.00} CASH ADVANCE from XX/XX/XXXX. Please find attached all my PROOF this just started about nonpayment of {$300.00}. I'm XXXX old and DON'T need this extra stress. Very Poor Customer Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX+ open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was informed that my request for XXXX wasn't approved ( see text below ). When trying to get in contact with them, their chat service said to call. I'm calling and have now been on hold for 1 hour, 11 minutes, and 35 seconds. None of their social media allows for contacting them through direct message. 

Additional Action Is Needed to Change Your Repayment Plan Dear XXXX, You recently requested an income-driven repayment plan, but we are unable to approve your request. Log in to your Nelnet.com account and select Documents from the menu, then Inbox to view more details about your request and available options.

It is important to check your inbox regularly because these messages may be alerting you of action needed for any recent requests, repayment plan information, or other updates to your account.

You can always access your messages and account details when you log in to your Nelnet.com account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. The inaccurate information continues to do harm to my credit. 

Kindly update or correct the payment history of these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2022 I sent Experian and XXXX a letter asking the method used to retrieve a bankruptcy they are erroneously reporting on my credit report. They never responded. 

I went directly to XXXX to dispute the item in question and XXXX could not verify this item so they deleted it from their database. 

By way of this complaint, I am again reaching out to Experian and XXXX to show them the deleted bankruptcy from XXXX and informing them that if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. Refusal to delete this item is impeding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it cant be verified.

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 2018-12-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both Experian and XXXX  are still reporting old information, but amazingly XXXX  has removed and Experian continues to report. 

Experian : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX XXXX  : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my Experian account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX  XXXX  '' r and " XXXX  XXXX XXXX   XXXX  ''. 

As well as the one account XXXX  is still reporting : " XXXX XXXX '' 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 2021-07-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to buy a telephone off of a website called XXXX. The man called me on my phone and had me transfer him money through zelle bypassing the offer up delivery charges. I offered to pay half ( {$240.00} ) now and the rest ( {$240.00} ) after I received the phone. He said he needed the money urgently for rent and would like the rest of the money as soon as he sends me the tracking number. I obliged trying my best to be quick. When I received the package instead of a phone the was a cupcake with only the return address of the cake shop. I tried to get his address from them. With no luck. 
I have screen shots & an email & a phone # with I am now blocked from. I requested the money back in Zelle several times & was ignored of course.

Company response to consumer: Closed with explanation