BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-11
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was placed on a 6 month payment plan with my mortgage company wells fargo due to an unforeseen temporary hardship last year. My first payment of {$3300.00} was to start in XX/XX/XXXX ending XX/XX/XXXX. During that period of time I was told by a representative of Wells Fargo that there was a {$5000.00} credit to be applied as payments to my account and that I should only make a payment in XX/XX/XXXX of {$1600.00}. When the next payment plan was due of {$3300.00} I paid and have paid according to the instructions of each individual I have spoken with at Wells Fargo. I made my last payment on the repayment plan on XX/XX/XXXX in the Wells Fargo Branch. I was told by Wells Fargo that I am past due four payments and that the {$5000.00} was a principal reduction and not posted to payments. the representative mislead me to believe that the money was being applied as payments. I asked why no one has notified me that the payments were reversed? I asked for a new payment plan and was told nothing can be done. Again I asked why no one contacted me and if it is documented that the representative gave me the wrong information they should be able to assist me. They now want to foreclose! In speaking with XXXX XX/XX/XXXX at XXXX am he informed me that he saw the notations and that yes it was improper information given to me. I asked that my issue bw escalated to a supervisor. XXXX escalated to a XXXX XXXX who informed XXXX nothing could be done. I was told that I need to come up with {$9400.00} in 14 days. All the while the payment plan and instructions from their representatives mislead me to believe that I would be current in XX/XX/XXXX. I am very frustrated that I did exactly what I was asked to do and I do not have the money to bring my account current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 this accounts ( A ). It is not permissible to fail to validate this reporting accounts 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 corrected XXXX XXXXXXXX XXXX XXXX Balance : {$7700.00}.

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 2017-02-21
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
PNC Bank sent me a letter stating that my account would only be reported as " Account paid for less then full balance '' but after looking at my credit report, they are still reporting the current status as a charge off, then previous listed the account as a repossession from XXXX 2012 until XXXX 2012 which is not true. How can this account be a repossession? It is not a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice from this company informing me they were unable to verify the debt and that it would be removed from the credit bureaus along with the judgment to be removed as well. The collection account was removed from all 3 bureaus. However, only XXXX removed the judgment, and I had to contact them to do so. Either this company did not comply, or XXXX and XXXX did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: NJ
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:
FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX all us dept of education XXXX XXXXXXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XX/XX/XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/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 2023-06-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximately 14 months ago I noticed XXXX fraudulent credit cards on my credit report. XXXX Was resolved quickly. The other card, TXXXX XXXXs still on my credit report despite multiple calls, documentation, etc. This card was not opened by me. The XXXX XXXX XXXX XXXX department ( XXXX XXXX XXXX ) reported that the card was marked as fraudulent and would be removed from my credit. This has not been the case. It shows up Negatively on my credit report as " Account charged off ''. XXXX XXXX XXXX XXXX department states that they can not help me any further as they have already issued a letter stating that the account was identified as fraudulent.

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 2017-04-06
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
State Collection Services sent me a notice regarding medial bills from XXXX. We informed them that XXXX was provided the wrong provider number and had to resubmit the insurance claims to insurance payer XXXX in XX/XX/2017. Instead of sending us the updated statements XXXX sent them back to State Collections Services. In XX/XX/2017 My husband contacted XXXX in regards to the update statements. XXXX mailed us all the updated statements on or about XX/XX/2017. We have been sending the final payment for the updated bills to XXXX and they have been accepting payment. Today XX/XX/2017 XXXX sent me a payment regarding a balance of XXXX. The statement provided evidence that a payment was recently made by us for XXXX, but we still received a collection notice from State Collection Services for the same amount. XXXX is allowing us to pay the balances off, but we are still receiving notices from the collection company. 

In addition XXXX has also sent these same bills to a second collection company called XXXX for Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One refusing multiple requests for paper statements & status of claim filed with previous account holder ( XXXX XXXX XXXX ). Capital One is strong arming me into submitting them copies of drivers license, birth certificate or other copies of sensitive, identifying information. I refused, requested account be closed ( they refuse to confirm whether or not they've closed my account ) & questioned their claims of security due to them possessing the account less than 24 hours. ( I called the day capital one took over XX/XX/XXXX this year ). I will not submit these sensitive documents. I never had an issue when XXXX XXXX XXXX held the account. Regardless, every time I call inquiring about paper statements representatives ( 6+ so far ) keep repeating their demand for these documents & tell me they " will not address ANYTHING regarding account until they receive '' said documents. Total shutdown. I JUST WANT PAPER STATEMENTS, I don't know what my balance is, interest rate or minimum payment due. I JUST WANT MY PAPER STATEMENTS & capital one is refusing. 

I didn't ask to be Capital One customer, nor did I agree to their terms. However, denying me paper statements is unethical & irresponsible. Capital One wasn't too worried about security/fraud when they issued me their credit cards & cashing the guestimated checks I've been sending them in the mail. I JUST WANT PAPER STATEMENTS so I can pay them off asap & be done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: PMR Progressive, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from PMR PROGRESSIVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PMR PROGRESSIVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I Have chase Card showing on my credit report which does not belongs to me. 
I have contacted all XXXX credit as well as Chase card to Deleted from My account., on three occasions. ( XX/XX/2016 - XX/XX/2016 - XX/XX/2016 and again in XX/XX/XXXX.I have file a Police report to local police department. 
Nothing been happen, this is affecting my credit i dont any one else if you look at my credit report. 
Chase Card -XXXX page XXXX and page XXXX account was charge off still reflect the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Trans union did not do an accurate investigation in providing the factual details to my dispute. On their investigation report # XXXX their are two accounts that are identical XXXX XXXX XXXX # XXXXXX/XX/XXXX# XXXX. 
A precise and accurate investigation would have uncovered the details of them being the same account. And if they cant find the minute issue shows their lack of maintaining complete and accurate records. 
XXXX acct # XXXX XX/XX/XXXXacct # XXXX XX/XX/XXXX acct XXXX XXXX XX/XX/XXXXacct # XXXXXX/XX/XXXXacct # XXXX XXXX acct # XXXX These accounts plus the two identical does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. 
Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-11
Company: EQUIFAX, INC.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
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 this accounts ( A ). It is not permissible to fail to validate this reporting accounts 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 corrected XXXX  XXXX XXXX XXXX Balance : {$7700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In early XX/XX/2017, my Sam 's Club MasterCard was compromised. There was an unauthorized charge for the amount of {$96.00}. Synchrony Bank ( who services my Sams Club MasterCard ) failed to catch the fraudulent charge at the time but I alerted synchrony bank of it when my billing statement came. They assured me it would be investigated and I would hear back within 30 days. Some time later they sent me a letter stating the charges were valid. I called back in to assure them it was fraudulent. The case was reopened. I received another letter ambiguously stating the case was resolved. After playing phone tag with multiple representatives and supervisors, no one could give me an answer to the fraud investigation outcome as the letter was unclear. During this time synchrony refuses to credit the amount of {$96.00} in fraud charges so it continues to accrue interest. I was advise to not pay this charge and everything, including the accrued interest, would be credited once the investigation concludes. This seems counter to how every other bank I 've dealt with conducts business when it comes to fraudulent charges in dispute. 

After many hours on the phone spread across many days, I was finally able to get a hold of someone on the phone who told me the reason the original complaint did not go in my favor was because it was filed as a dispute, not a fraud charge. Now I would have to wait again while synchrony refiles and conduct the investigation again. This is beyond incompetent.

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