BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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

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 2023-04-14
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am seeking your help to be reimbursed {$4200.00} from Santander Bank, N. A. for a charge to my mortgage escrow account on XX/XX/2022. Santander paid the {$4200.00} from my escrow account claiming that there was a lien on my property. I found no record of this with the XXXX XXXX Ma Registry of Deeds.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 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 2023-02-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the day of XX/XX/2023, I spoke with LVNV customer service and sent a letter asking for the following : -A validation letter containing a copy of the original contract with the original creditor with my signature. 
-A copy of the original payment history with the original creditor -I also asked for proof of how or when the debt assignment was purchased. 

After a 30-day waiting period, LVNV Funding llc failed to provide the following and ONLY enclosed a payment history and bill. 

Without my WET signature present, this debt is invalid. Its also illegal for them to collect something that was paid off by their company and consider it debt. Meaning the debt is no longer owed or valid. I called the company and notified them that I never received an actual validation letter within the 30 day period, and instead they gave me excuses and no actual answers. I was also never notified when my debt assignment was sold nor received information on how to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. 

I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. 

I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. 

I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. 

I contacted PNC again to begin the dispute process which had a reference number of # XXXX. 

{$450.00} was credited to the account until the dispute was resolved. 

XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. 

I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. 

On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. 

I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. 

I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: DISCOVER BANK
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every month, I pay more than the minimum payment on my card ( in smaller payments that add up to more of the minimum ) and every month, I am charged a late fee. I called and complained about it once and they told me it was something to do with the timing of my payments and took some fees off. I changed up the timing of the payments per their suggestion and I STILL get charged a late fee. 

Regardless of the timing of my payments, if the statement shows that I paid more than the minimum in the month that the statement is showing, I should not be charged a late fee. This weird " cut off '' is both hard to understand and seems like a way to trick people into getting late fees. 

I've attached my XXXX statement showing my minimum payment for XXXX was {$83.00}. I've attached the XXXX statement showing that I paid {$120.00} during that month and was still charged a {$41.00} late fee. It looks like they basically don't count XXXX of the {$50.00} payments towards the total payment for the month because of the " timing '' but that should not be the case, If the {$50.00} from XX/XX/29 isn't going to " count '' because of " timing '' than the {$50.00} from XXXX, should have. 

If the minimum is paid in a billing cycle, it should not incur a late fee. XXXX. How have they been getting away with this and how many thousands of dollars have they bilked from people this way????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX. 
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification. 

This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : 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 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-12-06
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: Old information reappears or never goes away

Complaint:
In XX/XX/2020, I disputed some inaccurate late payments with XXXX through XXXX, XXXX and Equifax. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted XXXX directly and asked them to remove the remarks since the dispute has been resolved. XXXX responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the three credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and Equifax removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and Equifax again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: OH
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 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 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 explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: SC
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 have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX5 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NC
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
XX/XX/2022 i submitted a dispute letter to XXXX XXXX espressing the information is inaccurate. 

in accordance with the fair credit reporting act XXXX XXXX acct # 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.

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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Karma XXXX XXXX XXXX XXXX is violating my consumer rights to privacy And Inaccurate Information on my credit report according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries and accounts off my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THESE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 
THESE ARE THE INFORMATIONS THAT NEEDS TO BE DELETE 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

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