BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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

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 2023-04-05
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I set up a new account with PNC Bank. They signed me up for a service which I later cancelled. It was during the free trial period. 

I reached out to PNC explaining that I was still being charged for the service and that I was also incurring a monthly maintenance fee. I was told by the representative it would be corrected and my funds would be refunded. They were not. 

The representative had emailed me her information previously. When I reached out to get to let her know that I had not received the refund, she ignored me. She has never responded. 

PNC has people sign up for items and then holds their money hostage when we cancel the service during the trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: FIRST PORTFOLIO SERVICING 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:
Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Wells Fargo has misapplied my principal payments on my account. I signed up for the bi-weekly payment option to pay half my mortgage payment every other week. In addition, when I signed up for this service, there was an option to apply an additional amount to the principal that would be divided into two equal payments ( per the online disclosure confirmation ). Wells Fargo did disclose that any partial payments would be held in a suspense or unapplied account until a full contractual payment is received, which was fully disclosed and appropriate. However, it did not disclose that any principal payments would be held in the same manner. As a matter of fact, the online Transfer Confirmation discloses when the transaction will take affect and states that a recurring payment that falls on a business day will take effect the same day. If a recurring payment falls on a non-business day or holiday, it will take effect the next available business day. Therefore, these principal payments should be applied when they are received every 14 days. Currently these principal payments are being applied the same day the full contractual payment is received. I have attached further explanation and documentation to support this unfair practice. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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: Account information incorrect

Complaint:
Certified U.S. letters and supporting documentation were sent to XXXX, XXXX, and TransUnion credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from XXXX were in ( Report XXXX XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-05
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: KY
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 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I 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 2022-10-14
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Im report some fraudulent inquiries on My consumer report that was never authorized by me here is a list of inquiries I never authorize Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to apply for a M & T checking account numerous time, however M & T declined me for checking account. I have had good relation with M & T in the past. I want M & T to provide me with thorough explanation why I can not open my account. 

Sorry, XXXX  unable to open your account. 
We XXXX  able to open your account due to XXXX of the following reasons : Information obtained from a consumer reporting agency XXXX of your previous account history with M & T

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 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My business account has been forcefully closed by Bank of America because they assumed I was misusing my account as a fraud. I am a business owner, and I am having an issue to pay off the IRS tax, rent and employee paychecks, so I lend money from private companies. Also, I had my husband, who is living in XXXX, send me money for my child 's college tuition around the same time. The bank gave me a call two days ago, and just told me they will close my account due to fraud. I tried many times to explain where the money deposits are coming from, but they are not interested to hear about it. By this incident, I am having more financial issues since I can not withdraw nor use my bank account. Multiple checks I used to pay my rent and other expenses are now bounced, and I am responsible for paying all the fees, and my employees can not deposit their paychecks. I already lost two of my employees because of this incident. The bank said they will give me a check for the balance, but it will take longer than what I hoped. I need to pay for all the scheduled payments, nor I will ( and already have ) have many problems financially and legally. I want to prove that my account is not involved in any fraud, and not be responsible for the bounced checks and late payments that were caused by this incident. Please help.

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 2020-09-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been contacting each credit Agency to inform them that it is a violation of the Privacy Act Of 1974. They are also in violation of 15 USC 1681 by reporting information without insuring that the information is completely accurate.

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 2023-01-17
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation letter to Southwest Credit Systems XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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 do not consent to XXXX  verification and I have a right to privacy and these credit agencies are violating my right as a federally protected consumer.

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 2018-10-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX   XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple calls from this and another number. They don't say anything when I answer or leave any message when I don't. I searched the numbers online and they come up as Comenity bank. I am current on my accounts and do not know why they call. At this point it feels like harrassment since they are calling at least twice a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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