BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
Reference : Account name XXXX XXXX XXXX Account number XXXX I would like to add additional information to the dispute currently taking place with Experian concerning this account. 

For one, the information contained in my report states the following : Balance details Original balance {$12000.00} 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX In reality, I paid XXXX dollars/month for 36 months = {$13000.00} Plus {$2500.00} dollars down payment for a grand total {$16000.00} and not the {$12000.00} shown above. Every payment was made. I was never late contrary to whats shown in my report. The monthly record of my payments was maintained by the credit bureaus but amazingly it has not been taken in consideration in reporting the damaging information relating to this account. It seems to have just vanished in thin air. 

Obviously the terms of this lease were less than favorable but I accepted due to my circumstances at the time. Its worth nothing that the lease term for somebody with good credit would have been {$1900.00} down and {$180.00} / month for a grand total of {$8600.00} but my less than favorable terms caused me to pay almost double for this lease. 

What the report below shows is that I only paid {$4400.00} dollars or 35 % of the loan, which is a complete falsehood and goes to show gross negligence on the part of the bureau. It is their duty to make sure that their reporting is accurate and correct and when challenged it is also their duty to investigate thoroughly and review the accuracy of the information regarding the item disputed. What has happened instead, is every time I contacted the bureau about this item, they right away proceeded to re-age the balance reported causing great damage and harm to my credit score. Their investigation was neither thorough nor complete and does not conform to fair credit reporting act. 

The Fair Credit Reporting Act requires credit bureaus to correct or delete any information that can't be verified or that is incorrect or incomplete. 


Account info : The following is the report taken from the bureau. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8000.00} written off. 
{$8000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$12000.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Balance details 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX Original balance {$12000.00}

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 2023-05-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX on XXXX XXXX XXXX XXXX Account XXXX Has it XX/XX/XXXX reporting right was right but equifax the last payment is on the XX/XX/XXXX. I try to fix it the problem. SO n accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX I went to PNC Bank at XXXX XXXX XXXX to make a withdrawal of {$450.00}. 
My card was not returned and no money was disbursed. 
I made several attempts to address this issue with the bank. All I get is a change of agent and no word about my funds. 
The manager at the location said that a third party controls the ATM and he has no access to the camera above the machine or the machine itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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 did not open this account please remove

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 2023-05-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting payment percentage incorrectly to Equifax Bureau at 45 %. All other bureaus have corrected the percentage to 100 % for deferment due to Natural Disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account.XX/XX/XXXXXXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

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 2023-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their handling of a dispute that has now exceeded 90 days without resolution, even after the merchant reversed the transaction and failed to refund the consumer. 

Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence clearly indicates that Wells Fargo received the reversal from the merchant, yet they have failed to refund the consumer within the 90-day period. This suggests that either the bank is extremely inefficient or is deliberately engaging in a negative customer service approach. 

I am submitting this complaint in the hope that the authorities will oversee this matter. 

Sincerely, 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 2023-05-05
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and 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 2020-05-26
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 recently looked at my credit report and seen fraudulent accounts.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and FTC report to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Saw on report have already told them I don't have account with them. Guy at XXXX Social Security XXXX must be getting a cut off my social or I'd bc he saw me as soon as he said he's not giving me new social security number mine Har been stolen while sleeping sent to at least 13 ppl and everyone has copies of all my stuff I'm not safe bc of it I can't even get a car I need my backpay I'm suffering from my exbf sending my info for some jealous girl and maybe my uncle idk follow the money is all I can say help Navy Federal Credit Union it says I have an account and no telling where else and XXXX XXXX XXXX is charging me {$220.00} or {$220.00} for XXXX XXXX XXXX it's ruining my credit I had my water shut off and he stole water and they're charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a check was written to a supplier in Alabama named XXXX XXXX XXXX XXXX  It was sent to a XXXX XXXX XXXX The check was intercepted in Alabama, altered with white out and is very clear to see it was white out, and then cashed a bank in Alabama. We have attempted to get the name of this bank from PNC who then put out the funds but they first mistakenly told us it was XXXX XXXX XXXX-which apparently it is not and then they told us it was XXXX XXXX XXXX XXXX which is really not a bank. We have been dealing with XXXX gentleman from PNC XXXX XXXX XXXX named XXXX XXXX and XXXX. XXXX. They allege to have been trying to assist but yet in over 2 months we have gotten nowhere. They turned it over to escalation a week ago Tuesday XX/XX/XXXX. We received a call from XXXX XXXX who needed information we did not have at our home-the call came at XXXX. I called her 3 times the next day and 3 times on Thursday XXXX. It was not until Friday morning that she called back and advised there was nothing they could do until this bank in Alabama responded. The amount of the check was to be {$3000.00} and was changed to {$9000.00}. Ultimately i have had to pay the {$3000.00} to the company for their product so I am out {$9000.00}. 
This is unacceptable and from everything i have read and discussed with professionals, this money should have been put back in my account. This is a federal crime. I do not even understand how PNC fraud did not detect this. XXXX advised today that again they turned it over to another escalation department. 

Most of all PNC has not even been able to provide us with the name of the bank that cashed the check. The company in Alabama who we issued the check to is trying to help us as well but without that name of the bank their hands are tied. They have notified the local police there and out next step would be the FBI. 

My grievance at this time is with PNC who should have put that {$9000.00} back in my account by now. I have been a customer with multiple accounts for over 50 years. Worst of all we have gotten no help. The way XXXX XXXX in escalation handled it was so unprofessional and disrespectful to us as customer that we are prepared to remove all our accounts from PNC once this is cleared up. The lack of assistance and concern for our money and frustration has been quite a disappointment. 

I hope that you are able to advise PNC Bank that the right thing to do is to replace our funds that they allowed to be fraudulently withdrawn. They sent a letter to us acknowledging the claim on XX/XX/XXXX and requesting documents which were provided. To date we have received no reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
they keep calling and harrassing me saying i could go to XXXX for no paying the debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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 no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... The account below needs to be removed from my file ; XXXXXXXX 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 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
when i seen the report on my XXXX  report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated 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 2018-09-04
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFFIDAVIT OF DENIAL STATE OF XXXX  XXXX COUNTY OF XXXX I specifically deny that these alleged account/debt and/or account stated/implied and/or from XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX obligation is certainly mine, if these alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that these alleged account/debt and/or account stated/implied and/or obligations is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE &  AUTHENTICATED contractual agreement nor obligation specifically with DEBT COLLECTOR or any of its Affiliates nor have I ever engaged in any business with DEBT COLLECTOR in the past. These alleged account/debt and/or account stated/implied is FRAUDULENT upon my good name and has caused me injury for which I will seek redress, compensation and settlement. Each company named above has failed to respond with valid proof of claim. They are now in default and compensation and settlement is due. PLEASE COMPLETE ATTACHED AFFIDAVIT TO SUPPORT YOUR CLAIMS UNDER PENALTIES OF PERJURY or agree to pay the settlement order in the next 3 days. 

The following inquiries were NOT authorized and need to be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dated this XX/XX/XXXX Without Prejudice By : XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX All Rights Reserved

Company response to consumer: Closed with explanation