BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Genesis FS Card Services, 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:
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX  unauthorized inquires was discovered on my TransUnion credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my 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 explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This complaint is about the XXXX credit card. They use SYNCHRONY BANK. 

I filed a dispute on a charge of {$730.00} on XX/XX/2021. On XX/XX/2021 I received the attached letter stating that the credit for that amount was applied to my account. As of XX/XX/2021 I still have not received the credit. I have called more than 5 times and no one can tell me why I haven't received the credit. I've been lied to multiple times saying that it'll just be a few more days. It is obvious that they have no idea what's going on. They even admitted to me that I was not the only one experiencing this issue. I'm only filing this complaint as a last ditch effort. I was willing to wait if I needed to for the credit, but I'm tired of being lied to.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
RE : INQUIRY REMOVAL While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give TransUnion permission to furnish this information onto my credit report. 
This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry.

I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2019-09-10
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good day! 

My HELOC lender, PNC bank has some MAJOR issues. Payments are not being recorded properly nor applied to principal in a proper, industry standard manner. Rather, the bank and it's systems are flawed and creating erroneous entries while I, the consumer am left to sort through it. I just tried to get a balance as of XX/XX/XXXX almost 2 full weeks ago and the bank is unable to provide that to me. I made multiple payments to my HELOC to pay 1 ) the P & I due for XX/XX/XXXX ( auto debit ) as well as two Principal payments ( $ XXXX & $ XXXX ). Yet the balance was still not reflected some week+ later. 

How can a bank not be able to tell me the principal balance due? Further, they created multiple ( 3 to be precise ) monthly charges of XXXX. This is the same amount that was auto-debited for the monthly payment. 

I find it out of control that a bank, in XXXX can not have proper systems in place. This makes me call ALL transactions into question. Th veracity of PNC data has me questioning their ability to accurately reflect financial transactions. Why should a consumer feel that way? Even their online system is paltry for XXXX. Transfers within the bank do not show in realtime! If I Were a regulator I would be very concerned with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 demand the collections be removed from my account 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 explanation
Consumer complaint received 2023-05-06
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a 42 month lease with USBank. They have continually messed up my payments and sent me bad information about the lease. The XXXX payment was due on XX/XX/XXXX and I paid it on time. Now they have continued to show the payment due for XX/XX/XXXX and sent me a paper bill in the mail, even though I've gone through the end of lease process with them. I believe they are fraudulently trying to collect extra money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 XXXXXXXX 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.

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 2019-01-15
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been having issues with completing the short sale process for my property to relieve myself from the debt and settle what i owe with the lender Specialized Loan Servicing. I followed all their guidelines and steps involving the short sale process and had the auction of my home delayed in order to ensure that i would be able to complete a short sale and get my life back on track. With the help of my realtor we got a buyer to put an offer in which we submitted to them. Around the end of XX/XX/XXXX they agreed to review my short sale and sent out an appraiser to get the value of the house. Their value came back higher than our buyers offer of XXXX. Despite their lower value, they told us they were looking to get XXXX. We immediately went back on the market to look for that value. We were able to get the original buyer to come up to meet their counter, and when we did they refused to review it as they had set an auction date and claimed we did not have enough time to submit it for a review. They claimed they had issues getting into the property a second time which caused some delays in them getting another value, but we never received a call from any appraiser. They finally sent someone on XX/XX/XXXX and my realtor had to meet them out there to make sure they would get in. At this point another auction date was scheduled for XX/XX/XXXX so we were still on a time crunch. They got their value back at the same as it was previously XX/XX/XXXX and asked us to wait til after the holidays for an approval. After the holidays we were told that they were looking to NET XXXX even though their valuation of the property came back at XXXX and said their investor would no longer look at a short sale. I have put a lot of effort into this short sale only for it to be shut down because SLS 's negligence and inability to follow through with the process. Their inconsistency leads me to believe that they never actually entertained our offer, and put us through this process for no reason.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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. 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, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One 360 has an issue with debiting purchase. My checking account is being debited this week for charges made last week that were paid for from my account. This has resulted in overdrawn account. I researched and found Capital One has had this issue in the past, has not been corrected. I am a person with XXXX, on fixed budget. This bank is getting paid twice and overdrawing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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: Problem with personal statement of dispute

Complaint:
Experian has completely refused to delete a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX collections from my credit report. I also have unauthorized hard inquires that they will not delete. XXXX XXXX XXXX XXXX does not have a surety bond to be collecting in the state of Texas.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} I disagree with the reported Balance of {$960.00}, as I recall it to be lower. Additionally, this account is closed and charged-off, and thus the Past Due amount should not be reported. To protect the accuracy of my credit score, I request TransUnion to mark this account as disputed. 


2. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5700.00} This account is not mine, and I request TransUnion to remove it from my credit report. 


3. Account Name : XXXX XXXX ( Duplicate Account ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} This is a duplicate entry of the above-mentioned XXXX XXXX  account. I urge TransUnion to remove this duplicate account from my credit report. 


4. Account Name : XXXX Account Number : XXXX Date Opened : 11/16/2022 Balance : {$650.00} This account is not mine, and I request TransUnion to remove it from my credit report. 


5. Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} The following account was never late, and I request TransUnion to remove it from my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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.

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 2023-04-15
Company: Sentry Credit, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I GENUINELY dont know if this company is run by idiots, or if they really are the way that they act, but I just think that it is EXTREMELY funny that Ive contacted these people numerous times, to no avail EXPLAINING TO THEM THAT I DONT OWE ANY DEBT TO THEM OR WHOEVER XXXX XXXX IS XXXX!!!!!!! I dont know how many times Im going to have to say this to where they get it through their minds that I HAVE NO DEBT WITH THEM!!!!! And that because of their negative trade line that theyve just added to my credit reports, I will be having correspondence sent to their company detailing that as of XX/XX/XXXX they are hereby notified that litigation has begun against them and their subsidiaries. For falsely placing an erroneous debt against me on my credit, which has severely dropped my score and is preventing me from having financial freedom, so this is a notification that you all are being sued to the fullest extent of the law, and that my attorney has advised me to extend this one last offer before proceedings against you all commence. Stop trying to collect on this erroneous debt, as well as remove your fraudulent trade line from my credit reports ( XXXX, XXXX, & XXXX ) immediately. As well as any other parties involved, or you all will be sued for restitution, as well as for damages, leading to me missing out in past credit opportunities due to you all reporting a false debt, along with covering my legal fees as well. This is not a game or a joke anymore as legal proceedings will commence XXXX, XX/XX/XXXX if this is not rectified by then. This is your last chance to make this right, as my attorney has been guiding me through this process, detailing every step so that way when it comes time to seek judgment against you all, every attempt has been tried. This is your choice.

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