BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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 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 explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TX
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:
I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XX/XX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX And Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX credit card, discover credit card, XXXX XXXX credit card or XXXX XXXX  card or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

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 2023-01-26
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
have XXXX Ally bank cd IRA accounts.! acct ira cd closes on XX/XX/XXXX and the other IRA CD closes on XX/XX/XXXX. I sent in the forms to close the IRA accts and transfer to my Ally savings acct on those dates. I mailed the forms on XX/XX/XXXX. I called starting XXXX  day ago to make sure they rec 'd the forms. Hold times are over XXXX hour. I just called and the wait time in XXXX hour and XXXX minutes. I chated with somebody after waiting XXXX hour to chat and he told me the forms are not viewable because they probably are in a batch waiting for the closing dates of XX/XX/XXXX and XXXX. This is totally unacceptable. its a gamble to see if my accts are closed? What kind of outfit is this? The chat rep gives me a phone # and it's the same # that has a XXXX hour XXXX minute hold time. Im talking over XXXX that I want out and they can not answer my question if they got the forms. I do not want this renewed ... The customer service is the worst I have ever seen.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I find it incredibly disheartening and infuriating that despite adhering to every protocol in disputing this account, I am met with an outrageous level of negligence and indifference. I've diligently followed the necessary steps : reaching out to the bank, involving law enforcement, and filing a report with identitytheft.gov. XXXX, in compliance with legal requirements, has promptly removed the account from my records. However, TransUnion seems to operate in an alternate reality, questioning my diligence in following procedures. This is the sixth complaint I've filed against them, and every time, I am met with the same absurd response, claiming the validity of the documents I've submitted is in question. I refuse to believe that the consumer laws and courts are so lenient that they render filing a lawsuit futile. Having endured this ordeal for over six months, I am at my wit 's end. TransUnion 's blatant disregard for the severity of my case is beyond comprehension. XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Let it be clear that I, the person submitting this complaint, am unassisted by any third party. I implore you to treat this matter with the urgency it deserves.

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 2023-03-06
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX Took my my money for a reservation and would not give the funds back even though I was not able to stay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Fraudulen XXXX Collections

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 2020-06-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Every other friday for 11 years I have used PNC bill pay to send my rent. 2/3 last months PNC schedules my paycheck deposit in such a way that when my bill is paid first it overdrafts my account. They are taking the payment about 1-3 hours early the day prior to when it is scheduled. I never asked them to send it early, I wanted it the day i scheduled it. My paycheck usually is deposited around XXXX XXXX  every other friday and the payment is taken out around XXXX XXXX  the day prior. The excuse they use is the paper check has to be mailed " early '' to get there on time the day it was scheduled to be paid. So please tell me what USPS mail  service runs between XXXX-XXXX at night and how taking that payment at that time vs past XXXX-XXXX  the following day gets it there any faster?? They are using the deposit switcharoo to try to get overdraft fees out of their customers. Also how is it that for 130 out of 132 payments over the last decade this doesnt happen? But conveniently during a time of crisis in this country and people are losing homes and their livelihood they are making money any way possible to recoup the losses the have incurred due to covid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The Department of Education process for Public Service Loan Forgiveness has been obtuse and frustrating. I have more than XXXX years of payments but XXXX months were paid to the XXXX XXXX XXXX XXXX. I have the email receipts of these payments as well as the records from my loan servicer, but these payments have not been counted under the PSLF waiver by XXXX XXXX, my current servicer. 

I filed my employment certification form in XX/XX/XXXX, followed by subsequent forms in XXXX, XXXX and XXXX of XXXX. My payment counts still do not reflect my full history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX Dear Sir or Madam, This is my FOURTH complaint to the CFPB and FIFTH attempt with Experian directly. I personally contacted Experian in writing four previous times with my signature authorizing them directly to resolve this issue. 

I have attached each of the for Proof of Delivery notices that show they signed for these letters, ( two in XX/XX/2021, one in XX/XX/2021, and one XX/XX/2021 ). 

In addition to sending these four letters, I called them three times total, including one call today. Each time I spoke to them on the phone, I tried to authorize them to proceed. They told me that they had not received my dispute letters that they obviously signed for, nor the complaints via CFPB.

Below are the CFPB complaints previously filed with the final status, all indicating the company needs my authorization to proceed. This is utter nonsense that they keep responding with this when I have made every attempt to authorize their finishing this investigation! 

As you can see, this dates to XXXX of this year, putting this far past the 30 days the law states ( 15 US Code1692g ), Experian has to resolve my dispute. This is causing me a lot of stress and this needs to be resolved! 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX I contacted Transunion via certified mail with USPS tracking Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED TRANSUNION SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

TRANSUNION FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO TRANSUNION.

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: FL
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:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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: EQUIFAX, 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:
In Accordance with the fair credit reporting act XXXX account # XXXX, Account 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Dealer Finance of Western Kentucky
State: KY
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 have several late payments on my credit report from dealer finance of western Kentucky. I put in a dispute through XXXX XXXX but nit satisfied with the results. Will you PLEASE check into each month and make them show you why they're showing 30-59 days late when that isn't the case. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I defaulted on my Student Loans and ECMC now holds the loans and they assigned XXXX to be the servicer. I have reached out to both companies and asked for copies of proof that they are the legal holders of my loans. I am about to begin repaying the loans but before I do I want them to prove they have all of their legal documentation and rights to claim payment in place. My payments will resume on XX/XX/2021. Both companies let me know that the federal pause on student loan payments does not apply to me. 

Neither company has granted my request provide copies of the documentation. As they have not felt obligated to produce any documentation at all I have become suspicious and wonder if they actually are in possession of all documentation necessary for them to hold the rights to repayment. 

Please help me compel them to provide the documentation I have requested. 

Thank you -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
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 explanation