BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER

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 2023-07-29
Company: Experian Information Solutions Inc.
State: DE
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:
Hello, yes, I had my student loans with nelnet. Originally, and now there was modelo. Or however, you spell that, and they are on my credit report. 4 / 8 years with modella, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for permanent XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of XXXX. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income powery lines. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.

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 2022-06-15
Company: EQUIFAX, INC.
State: OH
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 XXXX # XXXX ( XX/XX/2021 ), 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
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 fraud alerts or security freezes

Complaint:
I'd like to remove my fraud alert and or security freeze from my credit report, please send me lock pin to my address.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX # XXXX ( XX/XX/2021 ), 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with PNC Bank on a property that requires flood insurance ( through FEMA 's NFIP ). According to several representatives of PNC, the flood insurance is required by law to be escrowed. Each year the premium is due, there has been issues with it being paid correctly by PNC. 

The National Flood Insurance Program policy expires on XX/XX/XXXX of each year. I received a letter on XX/XX/2020 ( confirmed by USPS ) from PNC dated XX/XX/2020 stated : " Your flood insurance policy with National Flood Insurance was scheduled to expire a short time ago. Since we did not receive a bill or renewal notice from them, and did not hear back when we tried to contact them, we paid a premium of {$730.00} to ensure your coverage continued. '' I got a letter from FEMA ( dated XX/XX/2020 ) stating that my policy had expired and that the premium had increased to {$740.00}. 

PNC was very negligent in waiting until the last day of the policy to notify me that they were having issues getting a bill from FEMA. By the time I even got the letter ( over a week later ), the policy had already expired and it was too late for me to do anything to prevent a lapse in coverage ( exposing me to significant risk ). 

What is also very troubling is that a major institution like PNC claiming they are having issues getting a bill from the NFIP. Surely PNC has numerous other customers with NFIP policies ( since they require these policies to be escrowed ) and should know by now how to get in contact with NFIP and/or to get something as simple as a bill. Ultimately the policy was reinstated but at a lower coverage amount d
ue to the partial payment ( {$730.00} vs. {$740.00} ) made by PNC from my escrow account. Fortunately the lower coverage amount is adequate but this could have exposed me to even greater risk if the new coverage amount was significantly lower.

This is the second time I have had this issue with PNC ( the first time costing me several hundred dollars ). When I contacted PNC through the phone number listed, the representative was very dismissive of my concerns and did not take any responsibility on PNC 's behalf in regards to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX AV XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$660.00}, XXXX XXXX XXXX Balance : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with another debt collections company and it was sold to a new company. This reporting on my credit report is violation of HIPPA and I never gave XXXX XXXX  my SSN or any of my personal information. They need to validate this debt and show me where I signed an agreement. Per the FCRA and HIPPA this needs to be removed. 

The debt collectors has also contacted me and I am on the the Do No Call registry. This is a violation of the TCPA and I will be charging them {$1500.00} for the violation. They can apply this amount to the debt and issue out any remaining balance to me. If they choose not to award me any funds I will file suit in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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:
To whom it may concern, I recently sent via certified mail a number of items on my credit report that I believe is being reported incorrectly. I sent this certified mail to Experian Credit Bureau from my local post office on XX/XX/2023 at approximately XXXX XXXX CST. 
On XX/XX/XXXX @ XXXXXXXX XXXX I received an email stating that my dispute had been completed and asked to view my results for the new and updated file # XXXX. While I did research thoroughly I was fully prepared to wait the 30 to 45 days for the results to come in via MAIL. Why? In my letter I did asked them to validate the accounts in which I wanted disputed, but I also asked that they send me their procedures used to validate the said debt. While I am sure they used the E-Oscar tool to complete this because on all items I challenged it said out to the side the following - 1. ) Information on this item has been updated. Please review your report for the details. or 2. ) The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.

This brings me to the following questions to you CFPB.

1. ) How can they investigate this properly in 3 days? 
2. ) Why did they not send me and supply me with their means on validating the said debt?

3. ) If they did indeed contact anyone of the said creditors why would they update with correct information if it was reporting incorrectly previously? I thought if there were errors then they should be deleted according to the FCRA? 


I would like an explanation of these questions I have listed above in a timely manner, as this is not only affecting my credit profile but also my ability to gain employment. 

The rules cant apply for some and not everyone. As it relates to Experian, I do not need the canned message that you guys typically send following a complaint with the CFPB as you never follow up as it says and Im certain your hoping I will just go away!

I am also sending this to the FCRA and will seek general council as well.

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 2019-11-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I moved to the U.S. in XX/XX/XXXX with an XXXX visa. Recently, I tried to access my annual credit report. I have access to XXXX  and XXXX  credit reports. Equifax requested to send proof of my identity. After sending all necessary documents and calls to Equifax support, they finally told me they do not have any record associated with my SSN, so I should start building up my credit. I am already doing that. I have 3 credit cards and an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CCS Financial Services, 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:
On XX/XX/2023 the amount of the account by CCS COLLECTIONS is {$77.00} and I learned about this account through my credit report I contacted CCS COLLECTIONS on XX/XX/2023 and I was told to file a FTC complaint and fax in so I will fax in Today XX/XX/2023 by XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Someone applied for a personal loan through XXXX XXXX XXXX with all my personal details. I never applied for such loan.

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 2019-10-06
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 contacted TransUnion regarding the delinquent status of the XXXX XXXX XXXX XXXX account. I told TransUnion that the account was not mine. After 30 days TransUnion never personally contacted me but instead submitted this statement on my credit report. 



Balance {$140.00} Highest Balance {$140.00} Opened XX/XX/2016 ( 3 yrs, 1 mo )  Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX TransUnion is in violation of Section 603 of the FCRA. They could not have verified the account because I never signed nor did I agree to have service somewhere that I never lived.

Therefore, I want TransUnion to remove this debt immediately or I will see them in Federal Court.

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 2023-01-06
Company: RIA FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. 
I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. 
I don't believe that I have reached any of the XXXX limits described on the serve.com website, and my account has sufficient funds. 
This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. 
I attempted to do a bank transfer from my XXXX account with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX customer service. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Dynamic Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a letter from Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC, XXXX, attempting to collect on an account for XXXX XXXX, XXXX that has been deemed closed through the investigation by a previous debt collector. The original collection account number has been changed to create, what appears to be a fraudulent collection account number, different from the original, however the said original account number of the supposed debtor remains the same. 

I disputed the debt in 2016 with a previous collector, who investigated the account and found the debtor account to be closed and " discontinued collection activity. '' At that time several collection agencies were attempting to collect on the same account claiming to represent XXXX XXXX, XXXX, with different collection account numbers. 

In disputing the debt, in writing, one of the agency 's zipcode was found not to exist by the U. S. Postal Service. 

Dynamic Recovery Solutions purports to represent XXXX XXXX and 12 other members of the " XXXX XXXX. '' I hold the letter from the agency that performed the investigation stating the results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: SC
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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its 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 2019-03-26
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 I applied for the paypal rewards mastercard issued by Synchrony bank. They did a hard pull on my XXXX credit report. I received a message stating to call them which I did. The customer service representative only asked me my phone number and then told me I had to wait 7-10 days ( which was fine ). On XX/XX/XXXX, I received another email from them stating I was declined because they could not verify my identity. They did not mention any usage of my XXXX credit report, nor did they do their due diligence of asking me to submit ID verification documents like any other financial institute would do. I sitll have not received the hard letter copy. After reviewing my credit reports, I updated my address and phone number and applied for another synchrony credit card ( WALMART ). Again, same message to call. Again, only asked for phone number. After googling I found out they use your phone number to verify your identity so good luck if you have a new number like me. 
I want them to either remove the hard inquiries from my credit report or let me send in sufficient documentation to verify my identity.

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 2023-07-29
Company: Experian Information Solutions Inc.
State: UT
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. 

The letters are stated with items and issues. 

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 explanation