BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, To whom it may concern The companies TRANSUNION, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for XXXX  years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. TRANSUNION and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the three credit bureaus TRANSUNION, XXXX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.

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 2023-01-23
Company: LAKEVIEW LOAN SERVICING, LLC
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: Public record information inaccurate

Complaint:
XXXX is hiding under shadow companies threatening language through written communication. I have on several attempts wrote this company and requested who is the XXXX XXXXXXXX XXXX XXXX XXXX they wrote and stated it was XXXX who has reported to XXXX XXXX and public entities of a charged off account and foreclosure when they are not the real party of interest and disputed amounts remain not validated. Because XXXX  companies XXXX XXXX  aka Lakeview Loan servicing aka XXXX XXXX is withholding of QWR ( qualified written request ) for contracts and the withholding of financial accuracies as well as filing fraudulent securities instruments. XXXX XXXX and XXXX XXXX XXXX is the operators for california corporation XXXX XXXX. they refuse to its documents, XXXX documents, Insurance claims and payout, note and mortgage, Controversy is present and no resolution in sight.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I XXXX XXXX XXXX in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my XXXX XXXX XXXX. I contacted Capital One for both my credit cards ending in XXXX and XXXX because I would not be able to make payments on time. This was also during the time I got XXXX  with my XXXX XXXX XXXX  in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by capital one not to worry ( even made payments as much as I could with my savings I had and receiving no income with a XXXX  ). In the months of XXXX, XXXX, XXXX and XX/XX/2021 Capital One discriminated against me for XXXX XXXX XXXX  and XXXX  being unable to make on-time payments because my job was delayed in paying me and Capital One charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made 0 late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from Capital One discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express quit sending payment envelopes approximately XXXX year ago, but when called, agreed to separately mail XXXX okay. I called today XX/XX/22, and XXXX at customer service politely refused to send anymore and recommended I use my own. This will cost me more and increases mail time thus increasing the chance of late fees. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/18 XXXX made a fraudulent hard inquiry to my Transunion report. I have been unable to reach them by phone. I am an identity theft victim and attaching relevant police report. Transunion has instructed me to contact each individual company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22, I received a letter from PNC Bank saying there is a 2 year seasoning period required to have PMI deleted. Currently, I have over 24 % equity ( 27 % as of today ) and the article I read says that after having 22 % equity there should be automatic PMI deletion. Is it valid for PNC Bank to have a minimum 2 year seasoning period? I followed their instructions to mail them a check for {$100.00} to have an updated appraisal of the condo, and they mailed the check back to me. They alerted me to the two year minimum, which is not a requirement as per the CFPB article about PMI deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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 account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Information belongs to someone else

Complaint:
This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account 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 2023-05-12
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions 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:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-11-15
Company: EQUIFAX, INC.
State: LA
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. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Acct Name : XXXX XXXX # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name : XXXX XXXX # XXXX XXXX  XXXX : Acct Name : # 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 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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Excessive overdraft fees. Transition days are always finalized on same day when money is coming next day to finalize overdraft charge. If not overdraft charge is convenient, bank takes DAYS to finalize transactions. If bank sees it convenient to charge one before the day before payday, they immediately finalize payment same day. 

Why do they allow merchants to charge if there is no money in the bank? Dont allow the merchants to charge! Theres no money! Ive spoken numerous times with bank. 

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 monetary relief
Consumer complaint received 2023-05-09
Company: Chime Financial Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Although I am not sure what happened exactly. I know I did dispute a charge with XXXX. Because XXXX uses a company called a XXXX who is known for stealing packages. I packed was stolen. I requested a refund for that package, and I also requested a refund for each pair of shoes that was out of stock. I was waiting on the refund for the second pair of shoes. Theres also a pending refund for a XXXX order. 
I made this call on XX/XX/XXXX. I received my refund for the first pair of shoes on XX/XX/XXXX I saw the second pair was still pending. I also saw the other dispute was open. 

On XX/XX/XXXX around XXXX XXXX  I tried to log into my account I couldnt login. I called customer service. They told me my account was closed. He told me to check my email. I saw the email was sent 43 minutes before I called. 

My direct deposit for work goes there. I was going to pay my rent, which was already late now I am going to be evicted. That is my whole direct deposit check. Im also a new parent with a newborn who needs things, and I was given less than a 24 hour notice. I could have called my payroll department to stop payment to issue me a paper check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : 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