BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Their investigation did not fix an error on your report

Complaint:
This account is past the 7 years mark and I want it remove. The debt wasnt sold, its been 7 year $ months to today XXXX XXXX XXXX XXXXXXXX XXXX {$7600.00}

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 2022-04-12
Company: SYNCHRONY FINANCIAL
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:
In accordance with the Fair Credit Reporting act, SYNCB/ Care Credit Account Number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 contacted XXXX multiple times and filed XXXX separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a zero balance. This letter was upload to XXXX via the XXXX portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.

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 2023-02-07
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/XXXX : I noticed by reviewing my credit report that a new credit card account had been opened, without my consent. I did not open the account, nor did I receive any credit card in the mail, and therefore did not have an account number to refer to. 

XX/XX/XXXX-XX/XX/XXXX : made several attempts to contact HSBC and close account, with no success. 

XX/XX/XXXX : wrote letter to HSBC demanding the account be closed and a letter mailed to me stating such. I filed a police report. 

XX/XX/XXXX : I still have not received any correspondence from HSBC, and have never received anything from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: SYNCHRONY FINANCIAL
State: NY
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:
I contacted the companies involved and was told that would receive a letter in the mail which I did not receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-02-07
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-03-06
Company: PRESTIGE FINANCIAL SERVICES 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: Was not notified of investigation status or results

Complaint:
I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am disputing a negative/inaccurate account and I am requesting the removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: PNC Bank N.A.
State: PA
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:
I booked a stay at XXXX XXXX XXXX, XX/XX/2023 for one night stay, XX/XX/2023 to XX/XX/2023 with paw passes included. I paid my initial deposit {$230.00}. I did not receive a bill as to what the deposit was going towards. My reservation information did not show all of the things I was going to pay for and initially pay for. I canceled the day before the wake up breakfast and was provided a new statement reflecting the remaining deposit I would owe of {$160.00}. I utilize a kiosk that they encourage you to utilize, the transaction goes through, I was informed that I would get a {$100.00} hold and than a {$5.00} XXXX but I declined my card to be on file. On XX/XX/2023, I noticed on my bank account, XXXX charges that I did not authorize, a charge of {$260.00} and a charge of {$190.00}. I was comped the room and received a new bill that I would only owe {$59.00}. I also had to complain about the three times I was charge taxes. They did adjust that on the bill. I made this complaint verbally and spoke with the manager I was interacting prior, XXXX for other issues that resulted in my room being discounted. He mentioned that they do not know why the system does this and are unware it is a problem. I mentioned that XXXX XXXX needs to do something about it. I am looking for all of this money to be refunded from the deposit to all the fraudulent charges. I spent money on goods that I was not able to enjoy or utilize due to the over crowded and unsafe conditions. They are falsely advertising this place. I made a complaint to the XXXX  and the PA XXXX attorney general. I made a complaint to guest relations through email, verbally, and their willow app and I have yet to see this corrected or receive a response. I would like a full refund for everything I purchased as compensation and apology of this experience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate Transunion employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.

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 2022-04-12
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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 called HSBC bank to do a balance transfer from XXXX XXXX  in the amount of {$4100.00} HSBC bank systems took over after I already spoke with the HSBC agent that helped me do the balance transfer over the phone and sent {$850.00} to the wrong account agent said it was a system error on HSBC part it went to the wrong account then the system took over again and did a {$3300.00} transfer to XXXX XXXX. Still today I did not authorize a {$3300.00} transfer I authorized {$4100.00} transfer this has been going over for a month now trying to get this fixed I spoke with head supervisor no credit card department mr. XXXX as he promised he would fix this situation immediately every time I call he is unavailable and it is still unresolved and it is a fraudulent transfer that has not been authorized for {$3300.00} only for {$4100.00} has been authorized I need help to resolve this as I am getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I contacted Credence Resource regarding an account they were attempting to collect on. In term they sent a letter saying they were ceasing collection activity and thus removed the account from my credit file. On XXXX I got a notification that a new collection had been added to my XXXX   credit report. After logging in I saw that Credence has reported the same account that was once deleted but with a new account number making it look like I this was a new and recent collection account. I then checked my XXXX  report and noticed they had reported the new account on there also. I have never received proper validation for the account they were trying to collect on. Their reporting caused a huge drop in my credit score because apparently they re-aged the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collections account from XXXX that was a fraudulent account from XXXX # XXXX, # XXXX not sure how the collections office put this account on my credit file but it needs to be remove/deleted asap.

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 2020-10-09
Company: FISERV INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
on XX/XX/2020 I went to XXXX XXXX XXXX in XXXX MA and wrote a check. I was informed by Telecheck that my check was declined because I " do not normally write checks to this merchant '' and I " don't have a history of check writing with them ''. When I asked how I was supposed to have a history of check writing if they don't allow me to write a check they could not answer. When I asked what the bad information is that I was declined the ability to write a check for, they gave incorrect information. I do not have any unpaid checks with this company. This company seems like a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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