BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: DISCOVER BANK
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint against Discover Financial Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Discovers inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, Discover has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Discover Financial Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Discover Financial Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

Discover must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-07-22
Company: Experian Information Solutions 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 the Fair Credit Reporting Act XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought 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 explanation
Consumer complaint received 2023-09-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In my request for investigation, I provided proof that the ombudsman stated that I do not owe the debt as described by the XXXX XXXX XXXX XXXX. The letter that I received from the lender does not address that issue. They simple repeat the information provided by the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
During XXXX, Bank of America charged late fees on our loan account 2-3 times ( for a total of {$890.00} ) when we were a few days past the grace period. We asked to change the due date on the loan to better match the timing our self-employed income was received during the month and the bank later complied & changed our monthly due date from the XXXX to the XXXX of the month -- at that point I asked the bank to waive the prior late charges & was told by a bank representative that I would need to show a new track record of no late payments and to make the waiver request later after a good record was established. I was not told at that time that I must make the request within 12 months of any charged fee. I did not make a request during XXXX because of covid distractions & assumed a longer track record would help the request when made. This year XXXX I have made the request several times to the bank -- we have not had a late payment since the due date change -- but the bank reps now repeatedly tell me the policy is : such fees can not be waived unless the request is made within 12 months and they will not waive the fees. We have been banking customers at Bank of America for over 26 years and we are frustrated that the policy was not disclosed to us in XXXX ( if it was in effect then ).

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 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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 am reaching out to contest the inclusion of this bankruptcy in my credit report. The filed and reported dates, along with the closing dates, are not in sync. This is alarming as I possess a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX and XXXX XXXX from XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Upstart Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In accordance with 15 U.S.C 1681i, I am contesting the accuracy of the alleged late payment history. Under Section 3, I am requesting that this information be removed from my credit history. On the XXXX of XXXX, I wrote a letter to the debtor requested the reinvestigation of the validation of the negative marks that are appearing on my credit report. This alleged debtor has failed to validate the alleged misinformation and I am seeking self remedy to get this matter resolved. In accordance with 15 U.S. Code 1692d, this company is in violation of engaging in the conduct the natural consequence of which is to harass, oppress, and abuse in connection with the collection of a alleged debt. This company has repeatedly attempted to collect on an erroneous debt has has threatened, the my reputation. Under 15 U.S. Code 1681c1, this alleged debtor has continued to furnish my consumer information and use my identity without my written consent and I would like for this information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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'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 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 explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have ask TRANSUNION credit Bureau to remove incorrect names, addresses and phone numbers. This incorrect information is hurting my credit score and my self from getting home o a job. Also they my be someone credit account that doesnt belong to 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 non-monetary relief
Consumer complaint received 2022-11-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21 I made a payment on a credit card to clear a balance. It was not late and the account was and is in good standing. On XX/XX/21 I received an alert saying that my score changed. When I checked my score it had dropped 97  pts even though my credit utilization went down and nothing else changed in my profile. When I called Transunion to find out what happened on XXXX and spoke with XXXX and her Supervisor XXXX ( neither would provide a last initial or ext number ) they told me that they couldnt give me specific information and advised me to order a credit report ( which wont have the score on it ).

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 2022-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2021 I requested my information to be deleted and opted out in accordance to CCPA California consumer privacy act. Additionally, I also requested a data freeze. The Work Number : XXXX XXXX XXXX. However, this company has continued to share my information to agencies who are requesting my information from them without my permission, even though I requested a freeze and to opt out and to be deleted in XX/XX/2021. I have never permitted anyone access to the work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: GA
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:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have been trying to resolve a matter with SOURCE RECEIVABLES MNG for Months. before this Company put this on my Credit Reports. this debt was disputed off my credit and Removed. Months later this Company purchased the debt from the original Collection Agency and then put it on my Credit reports. so I have been going back and forth trying to get this removed. its causing me stress and pain from getting approved for a Home. it was put on my reports XX/XX/2017. If I could get this removed, i would gladly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I was informed by my credit card company via a text that they detected a suspicious charge from XXXX, I do not currently have nor have I ever had a XXXX account, and I replied that the charges where fraudulent. They sent me a new card and immediately upon activating the new card I received another text message stating that I again had these suspicious charges from XXXX on my account. Upon contacting the company they informed me they would contact XXXX and resolve the issue and contact me via a phone call. After four days of no contact I decided to attempt contact with them upon which they informed me that the claim had been resolved. I again contacted them and after being on hold for over 90 minutes and being constantly transferred to the incorrect department they informed me that they in fact had not resolved the claim and had not contacted the third party XXXX XXXX in this case ). Mind you that I have not used this card in months and when I suggested that they may have an issue on their end ( I suggested a date breach since I had not even used the card yet ) they informed me that it was in some way my fault and I should resolve it with XXXX myself. I am completely dissatisfied with the abhorrent customer service of this company and their complete disregard for customer service.

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 2023-07-22
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Having trouble closing deceased family accounts at PNC bank since XX/XX/XXXX. I went to bank location in XXXX MD with family members information and was told accounts were closed and XXXX XXXX would be scanned and placed on file. I returned tio follow up and Manager was no longer at the location and New manager explained info. was not scanned or on file. 

Recently followed up with another PNC location XXXX XXXX XXXX XXXX on XX/XX/XXXX. Spoke with rep. who advised I needed letter of administration to close account. I explained it's been 4 yrs. and i was told I only need the Death cerfificate and other identifying information to close and remove funds from account. 

On XX/XX/XXXX, XXXX recieved notice from PNC that an unknown person charged {$55.00} to my deceased familys Debit checking account. That evening no one could help telephonically at PNC from the telephone number listed. 
There was no signature of who sent this letter. or the other letter received stating an account was paid in full. 
I am asking for the closing of this account and funds be forwarded. I am the decedents daughter and have been diligently working to close these accounts since XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

Company response to consumer: Closed with explanation