BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: OH
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 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
An accordance with the fair credit reporting act XXXX  has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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 2022-12-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX, I received a statement for my bill cycle stating that my remaining balance was {$380.00} and my next minimum payment of {$29.00} was not due until XX/XX/XXXX. So, on XX/XX/XXXX I made a payment of {$380.00} to pay off my account. This payment was made successfully and accepted by Comenity before the end of the billing cycle. However, Comenity still charged me interest on the account stating they charge residual interest and that due to me paying my XXXX balance with a minimum payment the leftover balance from that billing cycle accrued the residual interest which was not tacked onto my statement until XXXX. The issue with this is that this information was not made transparent to me in my billing statement. So, after paying the balance in full in XXXX I anticipated that there would not be any future payments to be made on this account since my payment of {$380.00} had gone through and my balance was {$0.00}. With this understanding in mind, I did not notice the {$5.00} charge for residual interest, and this caused a late payment to occur on my account when I have never missed a payment on any of my accounts. If interest occurs in XXXX, it should be stated on the following billing statement, XXXX. Not two billing cycles later in XXXX. I would have paid the balance easily had this information been made apparent to me in a timely manner however Comenity took interest accrued from XXXX and did not post this amount to my statement until XXXX. After, I made the full balance remaining payment in XXXX. I have since tried to reach out to Comenity however their customer service representatives intentionally place me on hold for over 30 minutes at a time and then drop my call because they do not want me to speak with a manager. They are harsh and unprofessional often laughing callously at me for asking questions about my account details. They are argumentative and refuse to disclose to me their employee ID numbers so that I can not make official complaints against them. This blatant disregard for the laws of transparency within financial institutions shows mishandling of their fiduciary responsibility to consumers like me who pay bills on time or early consistently in order to maintain good standing with the credit bureaus. I feel sabotaged by this company and a massive breach of ethics has been made. As such I please ask that an investigation be conducted in order to ensure that the handling of my and other individual 's accounts is not being subjected to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company name : Portfolio Recovery Associate Date : XX/XX/2019 Amount : {$800.00} Action taken : After checking my credit report, I realize the name on the account is not mine, I sent a copy of my XXXX XXXX XXXX and a copy of my XXXX XXXX to the company asking it to remove the data on my report, but the company insist that the date is justified and maintain the file that continue to hurt me financially ... I have equity in my house, but I can't take advantage of that ... I am asking for help. 

In addition, Portfolio Recovery Associate failed to provide the date the account were opened, and who opened it..I believe it is against the Law to post false infoemation on people credit for personal gain..I am asking for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/ i have sent a dispute out to TransUnion about inaccurate item that was being reported on my credit report. They took over 30 days for a reinvestigation for the 3rd time to finally respond just to tell me they have verified that the information being reported was correct but I have sent in my credit report and stated the inaccuracies. The account had different reporting dates as well as incorrect terms, and invalid incorrect payment statuses. TransUnion has failed to provide with documents on what process they have used to verify the accuracy of the accounts listed in my dispute. 

I have sent TransUnion multiple documents of inaccurate items reporting to my credit report. I have gave you the reason the following account was inaccurate and sent a copy of my credit report that was reporting inaccurate information for fact so with that being said you are officially in fact VIOLATION.

YOU ARE NOW IN VIOLATION Pursuant to 15 U.S. Code 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such noticed, that specific information is inaccurate ; an ( ii ) The information is, in fact inaccurate. 

XXXX. The account type on this account is incorrect, this is not a revolving account therefore you are reporting inaccuracy ( PLEASE DELETE ) XXXX XXXX XXXX XXXX Account Number : 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 2022-12-29
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
My identity has been stolen. I have multiple accounts and multiple addresses and phone numbers that are not mines!

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 2022-12-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
The following companies did not have my permission to run my credit. 

US SM BUS ADMIN 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My loan matured XX/XX/2023. It took XXXX XXXX bank 6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To TRANS UNION!! : This Is my FINAL warning to them, they must think this is a game, they unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. Ive sent letters for months! And nothing has been removed and when I called one of their agents told me that all of my letters have been denied because they thought that the letters are not from me. THEY ARE ALL FROM ME. TRANS UNION! them along with the other Accounts listed below have defrauded me for the LAST time 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires AND Accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX My identity has been stolen they are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

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 2023-06-19
Company: JPMORGAN CHASE & CO.
State: CT
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:
Previously contacted chase pertain to cancel recurring payments to XXXX service cancels back on XX/XX/XXXX through XXXX. 

The company cant find my credit card ( over seas department ) or my charges. 

3x times called today XX/XX/XXXX XXXX and spend over an hr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: MO
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:
For at least the FIFTH YEAR IN A ROW, Equifax has refused me access to my annual free disclosure online. I answered their authentication questions correctly but they still insist on sending sensitive information through the mail as an alternative. The questions are attached. The answers to all are " None of the above. '' Playing Equifax 's game along with them I tried placing a fraud alert on my account ( after all if they believe I have one of these nonexistent accounts, that COULD be an indication of identity theft, couldn't it? ) but I wasn't even able to do that this year. I request one of my disclosures every four months ( XXXX  on XX/XX/XXXX, Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and Equifax is always the ONLY one I  have this problem with. Repeated attempts to inquire as to whether there really is an issue with my answers have been fruitless. When they eventually DO provide the disclosure none of the purported accounts are there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payme t on XX/XX/2023 to my Barclays account in the amount of {$15000.00}. Payment was added to the account and it was set-off to XXXX. Barclays then decided to take back that payment and are now not processing my payments, when they have already accepted the payment. I have asked for two months to send back the payment as proof that it wasnt cashed, and they havent sent anything. This is illegal and the account needs to be set-off back to XXXX within 7 business days, or litigation will ensue. Attached is proof of payment to the 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 2022-12-29
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Joint PNC High Yield Savings account ( currently advertising 4 % APY ) on XX/XX/2022. Upon account opening, I tried to fund the High Yield Savings account via ACH from my third-party ( personal ) checking account. However, the PNC account appears to limit deposit amounts if greater than {$10000.00} in any one month. I had planned on depositing greater than {$150000.00} into the savings account, but was not able to do so. I called customer service on XX/XX/2022 to discuss this issue, and was told that they had received similar complaints, in that large deposits were not allowed. The customer service rep let me know that their back-office department may choose to raise the deposit threshold on a case-by-case basis. The rep stated that as a work-around, the account could be funded by wire, but that would result in potential wire fees. As of XX/XX/2022, I have not funded the savings account, and may not due to this limitation. This appears to be a UDAAP violation, as this monthly deposit limitation does not appear to be disclosed in any account opening agreements or other disclosures, or listed within any footnotes or other areas of the entities ' website or certain other areas. Overall, it appears that PNC is currently advertising a high yield savings ( significantly higher than other large firms ), in order to increase their customer base and " upsell '' to other products/services after the high yield savings account is opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, Credit Collection Services furnished negative information to the credit bureaus about an alleged unpaid debt to XXXX XXXX for Date of Service XX/XX/XXXX. I have already paid this debt. Below is evidence of my payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The labwork was sent to XXXX XXXX for processing. On XX/XX/XXXX, I logged into XXXX XXXX 's website and paid all outstanding bills listed. As you will see in EXHIBIT XXXX, I paid a total of {$130.00} for four separate bills on that day, one of which was a bill for {$99.00} and XXXX XXXX XXXX XX/XX/XXXX. The receipt I received for this payment is attached as EXHIBIT XXXX. I've also included my credit card statement ( EXHIBIT XXXX, page XXXX ) showing that I made this payment to XXXX XXXX on XX/XX/XXXX. 

Since then, I have regularly logged in to XXXX XXXX 's website to pay any outstanding bills, which can also be seen in Exhibit XXXX ( e.g. Exhibit XXXX shows I also paid bills on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). After paying XXXX separate outstanding bills on XX/XX/XXXX, I logged into XXXX XXXX patient portal the following day to make sure all bills had been paid and that I had proof of the same. As you can see in EXHIBIT XXXX, the XXXX XXXX website, which listed the most frequent bills I had paid, indicated ( in the top left corner ) that " You have no bills due at this time. '' I called Credit Collection Services on XX/XX/XXXX and explained the above but was only told that, " XXXX can guaranty this bill was not paid. '' The representative stated that because the bill I paid was for a different amount than the amount he was attempting to collect, this was proof that a bill was outstanding. I asked if he could provide me the XXXX XXXX XXXX number for the outstanding bill so I could compare it against the specimen number on the bill with the same date of service that I had clearly alreayd paid. He could not. Following this call, I submitted proof of my XX/XX/XXXX payment via the Credit Collection Services website. I am asking that they immediately delete the negative credit information and stop attempting to collect from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: SYNCHRONY FINANCIAL
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:
SYNCHRONY BANK ( ROOOMS TO GO ) reported a late payment on my credit report. I am trying my best to make the payment i have never been late on a payment before i am suffering from the XXXX. The late payment just make life that much harder i was just denied for a loan and also an employment due to the late payment being reported to my credit report. This has cost me so much emotional distress i am currently partnering up with FCRA attorneys to sue if this issue is not addressed in a timely manner I need the late payments removed from my credit reports immediately please

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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( Transunion, XXXX, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.

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