BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 




XXXXXXXX XXXX # 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 2023-02-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I just received a notice from XXXX XXXX that there has been a change in my score. To my complete surprise and utter dismay my credit has gone down XXXX points due to no fault of my own. 

I have not been an XXXX customer since divorcing my husband and moving out of my home in XXXX of 2021. He is currently in the marital home and paying his XXXX bill. 

I moved my parents out of their home in XXXX of 2021 into an Assisted Living facility. We had to keep the power on until we got a renter in who then transferred the bill into their name. 

I did everything I was supposed to do in transferring the bill out of my familys name and into that of the renters. 

I have never received any phone calls or written communication from XXXX advising me there is any amount due. I have never received any communication from the collection agency either. This is the very first time I am even learning of this and this is a grave injustice to someone who has worked so hard on building up their credit. 

Please assist me in getting this issue resolved and removing this unjust derogatory comment off my record and raise my score back to the XXXX it was just a month ago. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-05-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
PNC Mortgage extended me three months of forbearance on their own and also under the CARES Act of 2020, during the COVID-19 lockdowns, for XXXX, XXXX, and XXXX of 2020. Even though they promised not to report this forbearance as delinquency, and even though their doing so is supposed to be illegal, they reported the payments as delinquent, negatively affecting my credit report and score. I made the proper request of PNC. Ive tried to get them to fix this. I filed a dispute with XXXX, but PNC wont budge. This is illegal and immoral. They promised they would not do exactly this, and theyve been evil about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, EXPERIAN and XXXX asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, EXPERIAN and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.

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 2019-08-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
25 phone calls in just the past week from Commenity Capital Bank. Calling all hours of the day, before XXXX until XXXX. Ive missed one credit card payment, and if Im more than a few days late, this happens every time. They will leave a message once, and then the 25+ times after that they wont say anything. They mostly call from an unknown number therefore I can not block the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.

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 2016-08-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
XXXX XXXX and Costco ended partnership. They transferred my card to Citi. 60 days later Citi sent me a statement with late charges saying I was late. I called them and they said I owed the {$510.00}. I asked them for what. They said it was money that was transferred over from XXXX XXXX. I told them I needed to know exactly what I spent it on. She said they would send it to me in a couple weeks. I told her I would pay the bill when I saw it. She said if I did not pay it right away it would hurt my credit. I told her that was ridiculous. I told her I would not pay any bill unless I knew what I spent it on. This seems very strange. 
I have good credit and always pay my bills on time. I do not like be threatened that my score would go down. I never even knew my account had been transferred over. I want to know that my score was not affected. I do not mind paying the bill, but I think I have the right to know what I spent the money on. They simply sent a bill saying I owe {$510.00}.

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 monetary relief
Consumer complaint received 2021-05-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified 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 explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-11-08
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am attaching all the information regarding PNC 's handling of my Flood Insurance. 

I received a letter from PNC dated XX/XX/2022, stating that they want to charge me for an Anticipated Escrow Disbursement for Flood Insurance starting XXXX. Not only that they are creating this escrow account, but they are increasing the value of my Flood Insurance. ( See the document attached ). 

However, according to the terms of my Mortgage documents and Deed of Trust, it is my responsibility to pay my tax bill, insurance premiums, and Flood Insurance directly. Furthermore, my flood insurance has already been paid until XXXX. ( See documents attached ). 

PNC Bank is giving me and my Insurance Agent conflicting reasons on why they are doing this. They stated that their Flood Insurance Department reviewed my loan and re-established the escrow account due to Biggert Waters Act, which is why I am bringing this issue to your attention. I can not afford this increase, and I won't be able to pay twice in one year for Flood Insurance. 

I have been very responsible for managing my Flood Insurance and desperately need your assistance. 

I appreciate any help you can provide. Your support is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: TX
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:
Equifax has been reporting a few more things on my report that was not mine with attempts open other ones. I call the companies they refer me to the credit bureau I explain the issue and they keep telling me they cant only sent a notification which I know that is not true. You can't keep reporting wrong fraud information. I am asking again that you delete the following things from my report XXXX XXXX CARD, and the following inquires EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX, XXXX OF XXXX, XXXX XXXX, XXXX XXXX, XXXX. I have requested that this be fixed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I noticed several fraudulent charges on my Bank of America credit card account and called their fraud services. A fraud case was opened and several, but not all, of the charges were cancelled. 

On XX/XX/XXXX, 3 of the fraudulent charges went through, all from XXXX XXXX XXXX XXXX, with the amounts {$120.00}, {$230.00}, and another {$230.00}. 

On XX/XX/XXXX, I received provisional credit for {$120.00} and {$230.00}, but not the other {$230.00}. 

On XX/XX/XXXX, the credit became permanent and the case was closed even though there was a remaining fraud charge of {$230.00}. 

On XX/XX/XXXX, I called the fraud number again and asked about the other charge. The representative told me they " didn't add that charge to the system '' and said they would take care of it, and that I would be getting provisional credit for it. 

On XX/XX/XXXX, I called again because I didn't get the credit yet, and the representative that time told me that I wouldn't get credit until the case was closed, and that the previous representative was mistaken. 

On XX/XX/XXXX, the claim is still " being researched '' according to the Bank of America website, so I called yet again. The representative XXXX XXXX from Texas ) told me that the still hadn't put the remaining charge into the system, and that he would do that and give me the provisional credit. 

Now it is XX/XX/XXXX, and I still haven't gotten provisional credit for that last charge from XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MO
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:
Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The XXXX of XXXX is designated as such for Clarity, not Experian.

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 2022-03-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello this is in reference to a bill from Lockhart, Morris, montgomery acct # XXXX {$630.00}. This is not my account, I have been reaching out to this company since XXXX and I've never received any response. I have included a copy of my affidavit for record purposes. Im simply asking for a removal of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation