BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 appreciate how you assisted in REMOVING a portion of the fraudulent data in my credit file, however, there are still accounts that should be deleted or blocked. FCRA section 605 requires you to destroy any records detected on an ID THEFT REPORT. This report was mentioned in a recent letter, so I'm including it again. I've notified my attorney of my plans, and they are eager to hold you accountable for your tenacious defiance. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-03-07
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 REPORTHING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

A # NAME XXXX XXXX  XXXX # NUMBER XXXX ACCOUNT # NAME XXXX  XXXX XXXX ACCOUNT # NUMBER XXXX ACCOUNT # NAME XXXX XXXX XXXX ACCOUNT # NUMBER 490263XX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.S.C 1681 SECTION 604 A SCTION 2 IT ALSO STATES ACONSUMER REPORTING AGENCY XXXX XXXX FURNISH A ACCOUNT WIYHOUT MY WRITTEN 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 INFORM ATION, OTHER THAN RECORDS OF CONVICTIONS 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 ANY CONSUMER REPORTING AGENCY IF THE

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 2019-06-21
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAVALRY PORTFOLIO SERVICES # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. SOME TYPE OF PROOF OF OWNER I request that CAVALRY PORTFOLIO SERVICES Provide verification of the following a itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAVALRY PORTFOLIO SERVICES Cease and Desist all further communications and collection actives and provide  the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently called and submitted a letter to paramount recovery systems asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask paramount recovery systems to remove the collection from my credit report until the debt is validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/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
Consumer complaint received 2019-06-21
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am an XXXX XXXX Military Service Member and I had a 2 year contract with XXXX XXXX XXXX for TV and Internet services. I received military orders to leave XXXX, CA where I was currently stationed and deploy to XXXX XXXX for a new assignment. So I canceled my services on or around XX/XX/XXXX2017, and at first XXXX XXXX XXXX wanted to charge an early termination fee of {$260.00}, but after talking with the representative for a while on the phone, she verbally agreed to waive the charge due to military orders as long as I sent the equipment back. I sent the equipment back and then received another email on XX/XX/XXXX2017 stating that I owed {$350.00} for my last bill plus the early termination fee that initially they told me they would waive. So I called them ; after talking with the representative for a while we agreed that I would only pay the final bill, and not the early termination fee. However, they proceeded to send the remaining {$260.00} early termination fee to a debt collector ( Diversified Consultant ). Once I returned from overseas they were able to get my phone number and I spoke with the debt collector. I explained the situation and told her that it was mistake and that because they agreed to waive the fee ; I would not pay it. She told me if I don't pay the fee that I would never be able to get a loan again because they attempt to degrade my credit. Due to the fact that I can not control when I come down on orders, and they agreed to waive the fee exactly for that reason, I'm disputing this debt and believe that I should be relieved of it. They have succeeded in degrading my XX/XX/XXXX credit report with repeated negative inquiries. It would be so easy for me to pay it off but a deal is a deal. Also XXXX XXXX XXXX has been trying to collect the same debt but I have not heard from them verbally or in writing. Combined they have submitted 10 different inquiries to the credit bureaus for the same fee over the last year. I have attached 4 of them below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a television and some equipment at Best Buy. They offer 24 month, no interest financing on a Citibank sponsored credit card. 

No where on the statement does it show the minimum payment needed to avoid finance charges. However, the statement shows a payment of {$2.00} less per month than the minimum payment avoid finance charges. 

If I were to pay {$2.00} less than the minimum for 24 months, it would trigger {$1600.00} of interest. In other words, an extra {$2.00} paid per month over 24 months, which is {$48.00}, saves {$1600.00} of charges. 

I don't know if this is a Best Buy practice, a Citi Group practice, or both, but it prays on the financially unsophisticated. I spent about 30 minutes on the phone with them to clarify what was a very deceptive statement. 

It should be mandatory to disclose the minimum payment necessary to fulfill the terms that were offered.

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 2020-10-12
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I had a routine medical checkup for lower back issues. As this medical practice was reported in network for my insurance company at the time, I only was charged a copay of {$25.00}. That was the last I heard anything in regards to this visit until I received a collection letter from Remex collection agency over 4 years later, in XXXX of XXXX. That letter states that I owe an amount of {$1300.00}. The insurance companies refuse to help or pay claiming that it was out of network and they claim that this was my responsibility as well. Once again, first time I heard anything about this. I dont think anyone would be happy or count it fair to send out a collections letter over 4 years later from a doctors visit. Im trying to refinance my home and this just lowered my credit hindering me from doing so. This is not fair or legal for any corporation to wrongfully and unfairly slap this on someones credit report. I had an attorney send a letter but they ignored that as well. Any help for restitution and looking into an unfair and shady practice such as this would be helpful to myself and any pat and future victims. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/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
Consumer complaint received 2022-03-07
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my XXXX mortgage payment like I do every month on the PNC bank website. I clicked on my external account name linked to my personal checking account with wells fargo and clicked pay. In XXXX I went on the PNC website to do the same thing and noticed that my XXXX payment was returned unpaid by my wells fargo. I contacted PNC to see why because I had enough money in my XXXX XXXX checking account to pay that XXXX payment. The PNC rep told me that the account number was wrong. I responded, how could it be wrong I've been making the mortgage payment the same way with the same account since the mortgage started. After numerous phone calls ranging from 45 minutes to 2 hours and 34 minutes, We discovered that someone, we don't know who, entered 3 account numbers, two of which had the incorrect XXXX XXXX account number, and my name was misspelled on three of those accounts. So when I wnet to pay my mortgage, I unknowingly clicked on one of the 2 accounts that had the wrong account number so PNC never got the money. Finally after a 2 hour and 34 minute phone call with 6 different people, PNC and I worked together on line to have the other accounts deleted, and the problem has finally been solved, I requested to have the late fees reversed since I did not enter those incorrect account numbers and the incorrect spelling of my name. On one of the accounts it list my middle initial, which I never ever ever use. They are refusing to credit me the late fees.

I have only two theories...

One, my account was hacked into, which to me makes no sense since they would have nothing to gain but to cause confusion and chaos.

Two, Which makes sense to me ... ..PNC did it themselves to create the {$81.00} late fee. If they do that to just 100 of the thousands of costumers they have, they would create an additional {$8100.00} of revenue to their bank. And it happened to me twice for a total of {$160.00}. That might seem hard to believe by most people but if you've watched enough XXXX XXXX Documentaries like I have, you would know that XXXX  XXXX does this all the time in the name of profit. How the Tobacco companies that lied to the public about the cause of XXXX from cigarettes ', How the chemical companies lied about the XXXX causing agent XXXX, and let us not forget about XXXX XXXX 's predatory loans which I'm sure your agency is well knowledgably about. 

So, in summery, I would like th CFPB to look into PNC Mortgage accounts and to see if there is a pattern of these mystery account names and numbers and any unusually high amounts of late fees they are collecting from their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from Chase Bank that states : We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We reviewed your application for a new business card account. 

We encourage you to read the entire letter, because it contains specific information about your account. 

However, I did not apply for a business card account. I called Chase, who then told me to call the creditor. I looked at my credit report on XXXX who opened an investigation and suggested I report this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On multiple occasions Chase has waited to debit smaller transactions from my account until a rent check has overdrawn the account so multiple overdraft fees can be charged. For example, they waited to post 4 transactions, that showed as debited from the account but pending, until my {$1500.00} rent check cleared on XX/XX/19. After the check cleared the 4 transactions posted and the charges me the maximum 3 overdraft fees. They have 3 more waiting to post and historically these transactions have not remained in pending for multiple days but there is a pattern of Chase clearing debits to charge fees. This happened last month as well when they hit my account for over 10 overdraft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The particular company ran unauthorized credit inquiry on my credit report. Please remove as this is suspicious to me : 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 2018-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 around XXXX PM PST, I came across a XXXX post selling tickets for a music festival. All contact info was included, so I reached out to the sender with the offer to buy immediately as long as proof of purchase would be included. 

I told the sender to send me proof of confirmation of the tickets that would have been sent to their email. They sent me a screenshot of the email receipt. I asked for further confirmation and they sent me another screenshot, which included the transaction and festival name. Basically, it looked like it came straight from the site. 

I asked for a photo of their ID and other contact info and they gave me their email and a picture of a California driver 's license that matched the email and buyer 's name in the screenshot. I asked for one other example of proof and they offered their social media handles which also matched. 

I asked how they would prefer to be paid ( considering the festival was already happening ) and they asked to use XXXX through Wells Fargo. I've been a Wells Fargo customer my entire life and have had nothing but a good experience with them. That being said, I trusted the introduction of XXXX to their mobile app. I found the seller via email and confirmed ( yes, twice ) that I wanted this money to be sent. The seller reassured me they'd screenshot the confirmation of getting the transaction as proof it went through for me before sending me the tickets to my email. 

I sent the money ( {$250.00} USD ) and the seller immediately stopped responding. I sent plenty of texts, calls, voicemails and even requested the money back, but obviously, the user had been deleted. 

After I waited on hold for 45 minutes with Wells Fargo to report the issue, I was promptly told that it was out of their hands. XXXX isn't " technically '' Wells Fargo, so they can't do any refunding or really any resolution whatsoever. Unfortunately, the only reasons I used XXXX is because I thought it was 1. A part of Wells Fargo in the first place and 2. Figured it would be just as trustworthy. 

I was told in under a minute and a half that there was nothing that could be done besides maybe call a customer service line and that was 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 2023-11-09
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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate These accounts, I will take legal action against them. 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 XXXXXXXX

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15
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: 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 non-monetary relief