BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
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 status incorrect

Complaint:
Transunion and XXXX are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both XXXX and Transunion are incorrectly reporting information it is doing way beyond damage to my credit

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 2023-08-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Since XX/XX/2009 This Consumer Reporting Agency ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX , address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to profit. CRA procured my private information unlawfully and without Consumer 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX the Agent of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.

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 2023-07-27
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. 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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX I got an alert that a new account was opened in my name with XXXX. I did not open allow it to be opened or gave permission for an account with XXXX to be opened. I have filed a complaint with the FTC and the XXXX county sheriff 's office this has been an ongoing issue. please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a car loan open with PNC bank. Recently I have paid it off. As per NJ DMV its is guidelines " The Lienholders normally hold 's the Title until the Lien is paid off. They should have also mailed you the Vehicle 's Title when they sent you the Lien Satisfaction Paperwork. '' in which PNC has not done. 

After waiting a month for the title I called whereas they acknowledged they sent it to the wrong address. I politely asked multiple times if they would send me a new title. They said that " There responsibility with the loan was over and that they no longer had to serve me. '' I tried calling multiple other times in which my call wasn't even picked up. 

The contract terms was that they take care of all the execution and administration of the titling, hence why I paid administration fee 's. I was never late for my payments not once, provided them a plethora of interest payments, and paid off the car prior to its due date. I was under the expectation that they would send me and transfer the title when the loan was completed, to finalize the loans execution and transfer the property. The property has not be transferred therefore the loan is still outstanding. 

NJ is now penalizing me for not transferring over the title, in which they sent to the wrong place. I also have to pay administration fees for getting a replacement title. I have damages and I'm holding PNC personally liable for them. 

I would like you to review my case, and administer any necessary penalties and fines on PNC Bank for breaking the agreement, and fiduciary responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On Friday XX/XX/XXXX I noticed two transactions of Bitcoin purchases through XXXX in the amount of {$500.00}. I initially called XXXX who told me they could not help me and that I had to contact my bank ( Navy Federal ) I called them next and followed every step they told me to do. I unlinked my debit card from XXXX. I then canceled my debit card and got a new and closed down my XXXX. In the past I have used XXXX but only to send money and receive money. I do not know how to pay for Bitcoins or how it was purchased. I then filed a claimed for fraudulent transactions and was credited {$500.00} on Tuesday XX/XX/XXXX. On Wednesday XX/XX/XXXX the {$500.00} was token out of my account and the claim was denied leaving my account in a negative status of - {$470.00}. I have reached out to Navy Federal in detail. Then unbeknownst to me my XXXX account was still linked to my Navy Federal account. When I tried to unlink it I found out that I could not do it on my own. Something that took less than 30 seconds to do I had to wait over an hour to get a call back so that their digital department could unlink my XXXX account. By that time someone had already XXXX me {$500.00} to my bank account that was in the negative and now that money is just gone. Navy Federal refuses to dispute that money and return it back to the sender. I have called and sent numerous of emails and no one is willing to help. I have had people hung up on me and even asked me well what do you want me to do, I cant help you it is very disappointing and disheartening because I have had this account for years and never had any issues like this before. And the fact that no one is helping me is really sad to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: SC
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 have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit 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 2023-03-26
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Many times I had to call after XXXX shopping because they had froze my account. They said they had seen a lot of charges. Well of course I did. It was XXXX! So when I went to get groceries and had to be embarrassed because I couldnt pay for my groceries even though I had plenty of money. I soon after closed my accounts. I also had an auto loan with Wells Fargo and was required to carry gap insurance till I refinanced with another bank.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Report Act XXXX, XXXX, Creditor : 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 an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.

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 2018-06-07
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
XXXX XXXX is reporting on my credit report for account XXXX. I called over the phone after getting a letter from them requesting to settle in the amount of {$200.00}. I explained due to the significant financial hardship I am experiencing, I am unable to pay any amount at all due to my medical condition that I have been dealing with for quite some time. When I called I mentioned that even their website says they will suspend Collection activities when a consumer demonstrates that he or she is experiencing significant financial hardships due to medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Addresses. : XX/XX/XXXX Equifax sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes Equifax 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a Equifax, XXXX, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. :  Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by Equifax as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account in question is a XXXX XXXX XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of XXXX. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last 4 of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the 7 payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this one check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to XXXX XXXX, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. XXXX XXXX was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX Bank In reference to credit usage : 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 2022-08-17
Company: U.S. BANCORP
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:
I'm done with this garbage company. I sent XXXX hours on the phone today trying to get a fraud alert removed from my account on a card I haven't even tried to use in 3 months. I talked to literally XXXX people. Some would say there is no fraud alert, others would say there is XXXX but it's been removed. I finally just asked them to close the account. The agent refused to close the account saying there's a fraud alert ( which I can't get cleared up despite answering their endless and repeating question over and over and providing all correct and necessary information to them ). It's a secured card and they won't let me use the card, so I just want the card closed and the {$300.00} mailed to me in the form of a check.

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2023-09-08
Company: Bread Financial Holdings, Inc.
State: CA
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:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality, as stipulated in 15 USC 1681 : I have initiated a request with XXXX, XXXX, and XXXX to reevaluate the accuracy of the following accounts : XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX # XXXX, XXXX  # XXXX XXXX 

However, their response indicated that these accounts were reported as complete and accurate. This assertion raises concerns, particularly regarding discrepancies in the open date, date of last activity, and other pertinent details. 

In accordance with 15 USC 1681i ( 5 ), it is incumbent upon these agencies to amend inaccurately reported accounts. 15 U.S.C. 1681 Section 602 A asserts my fundamental right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without my explicit written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prescribes that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of criminal convictions that precede the report by more than XXXX years. 

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no person shall provide information related to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. 

Additionally, it has come to my attention that these agencies are not in compliance with XXXX XXXX credit reporting standards. If these accounts are accurate why have they been removed from some credit reporting agencies but not all. It does not make sense! I have no contract/dealings with these companies. I I possess compelling evidence to substantiate my case. Please fix this immediately!

Company response to consumer: Closed with explanation