BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the last 24 months I have been trying to be a responsible consumer and correct the inaccurate and inconsistence reported by the three Credit Reporting Bureaus. I have already requested verifications multiple times and for the most part the incorrect and or inconsistent reporting has been corrected, removed and lastly stated by the Bureaus that they did and investigation and that the remaining items where verified, yet there remain extreme amounts of inconsistent and inaccurate reporting. 

I am enclosing a screenshot of my most recent credit report highlighting the inaccurate inconsistence still remaining after the Bureaus claim to have verified that the item has been 100 % accurate and investigated timely. The Fair Credit Reporting Act requires that the Bureaus complete their reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received any reply because the Bureaus have been unable to verify this information. 

I would like the item removed immediately. By law the Bureaus are required to removing any inconsistent and persistent error and inaccurate information after a 30 day investigation has been completed. So, I request that they remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2019-05-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good Day, I disputed two transactions with Barclay Mastercard ( both for the same merchant : XXXX XXXX ). One was the amount of {$2500.00} and the other for {$2200.00}. The total amount of {$4700.00} was for 7 nights lodging in a gated community known as XXXX XXXX in the country of XXXX & XXXX. Upon arriving to XXXX on XX/XX/19, we discovered that the place promised by the merchant was not the same place they were trying to give us. The new place was in a different area that we deem unsafe and also did not have the amenities like a pool that we really wanted. We decided not to stay there and got lodging elsewhere. Transaction was disputed with the card company. Card company provided me with the credit for both transactions, however returned the balance of {$2500.00}. Upon speaking to a representative they told me to send a letter to the company explaining that although the terms and condition stated non refundable, it did not state if the place we paid for wasnt available another place would be provided. I did that. After doing so another representative told me to send in proof showing another place was provided. I did that. After doing that they told me that credit could not be returned because of the non refundable notation. I advise that that also stated on the invoice which would be considered a contract was the neighborhood XXXX XXXX and also that we would be provided a 3 bdr, 2.5 bath, with a pool and that was not given so the contract should be void. The remaining {$2200.00} has not been returned to my account at the moment as a balance. I was told it takes 45 days for the dispute to be finaled ( even got sent a letter stating so ) but now they're telling me I have to wait 90 days and im stressed and uneasy about something that happened months ago.

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 2023-08-30
Company: Experian Information Solutions 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:
I submitted a request to update my late payment account for XX/XX/XXXX. Experian did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the 1st of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXX was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5. 

XXXX is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

Experian completed the late dispute on XX/XX/XXXX and no changes were made. I have sent Experian a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.

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 2023-09-01
Company: SYNCHRONY FINANCIAL
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:
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SYNCB/PHILLIPS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX

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 2021-11-23
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 I rented a scoter from XXXX XXXX XXXX in XXXX XXXX FL for {$110.00}. I returned the scoter the same day. The next day I saw a withdrawal on my debit card for {$2300.00} to XXXX XXXX scoter. I went back and questioned the charge the next day and the owner at XXXX XXXX threatened me so I left for my safety. I called PNC right away and they said not to worry it's obviously a scam and they would take care of it and credit my account for the {$2300.00} right away. PNC never credited my account and mainly just ignored my inquiries over the next month about when it was going to credit the {$2300.00} as promised. The only thing I ever got was a copy of a letter that they say they send me in XXXX that said " based on their investigation the charge was valid. After receiving a copy of that letter I finally spoke to someone at the branch who told me they would send me information about their investigation. Of course I never received anything. When I asked the person at the branch why they said not to worry we will refund the money to your account right away he said he made a mistake. {$2300.00} is allot of money and this is obviously a scam. The biggest disappointment is all along I have felt that PNC is just protecting their merchant and allowing this person to steal my money off my debit card. I don't see how PNC could allow a company to take {$2300.00} out of my account without my permission. PNC sXXXX XXXX  me and my money not the merchant. Please help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I was notified at the end of XXXX that my account was on hold due to a balance I owed. The balance I owed was for a transaction Coinbase never received funds for. The amount was {$10.00}. I was notified to make a payment on their website or application. When I attempted to make the payment I continued to receive error messages or there wasnt even an area to pay. I received another message stating that after 5 business days they will automatically resolve the issue by taking funds from my current account balance. I have tried text/phone/email support over 10 times with no help. My complaints are being ignored and Ive been told Ill be in contact with a supervisor in a couple of days but its been over a month. My funds are locked and my ability to trade is restricted. I have the funds and have the ability to make a payment but due to a failure on coinbase I have lost those privileges and it is costing me money since I cant withdraw buy sell or trade. I want to file a law suit for monetary damages since I have been losing money for over a month and have been given no support from coinbase. They havent taken funds and all the troubleshooting methods have failed. The attachments included are screenshots of what Im seeing on my end. I can not click on make payment since it just brings me to the error message I have attached. Additionally the email link provided does not do anything for me its bring me to the same error message. On the web browser it does the same thing and tells me it will be automatically resolved in 5 days ( it has not ). I have tried different browsers, cleared cache and data, reinstalled the app, etc. this is coinbases fault and I need to be justly compensated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX 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 this item 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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-05-04
Company: Experian Information Solutions Inc.
State: MO
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:
The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX XXXX XXXX {$3600.00} 3 ) XXXX XXXX XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX/XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX   {$150.00}

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 2023-09-12
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I file bankruptcy on XX/XX/23 and received a XXXX XXXX  discharge on XX/XX/23. The personal loan with XXXX was included in my bankruptcy. The loan is unsecured and was discharged. I file 2 credit disputes on XXXX and XXXX to have this removed since I did not reaffirm the loan. Both disputes have been closed and the loan is still reporting.

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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. 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 2022-08-09
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Tried to make a deposit for a friend and the Teller asked AND required that I give them my ID. 
This will lead to Identity theft. 

At Bank of the West, XXXX XXXX branch. I complained to the Manager who wished me a " good day '' Took the deposit, unaccomplished, with 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 2023-07-27
Company: Experian Information Solutions Inc.
State: NJ
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 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 explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: IA
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:
I have sent numerous of letters to Experian, XXXX, and XXXX regarding the accounts in question with no results of an accurate investigation.

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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/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 2022-11-24
Company: EQUIFAX, INC.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation