BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed a cfpb compliant, XXXX on XX/XX/2023 and sent a letter informing that the account was listed incorrectly with many errors. The account was never updated with the correct information.

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 2023-07-07
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 an account without 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX issued a credit card under my SS # on XX/XX/15. I would have been XXXX old at the time. I did not apply for this card and was not even old enough to legally have a credit card. XXXX XXXX did not perform their due diligence when approving this card. XXXX XXXX then sold the debt to Portfolio Recovery Associates. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from XXXX XXXX as the seller. This is not a valid debt. This all started due to the negligence of XXXX XXXX. They will not help since the sold the debt and Portfolio Recovery Associates is ignoring the fact that I was XXXX old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 : 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-12-06
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:
I have attached 3 letters with accounts with errors reporting to my Experian credit report, this isn't the first time I have sent these but they are clearly in violation of the FCRA and need to be deleted. Please delete these accounts as they affecting my life and please also update my personal information

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 2022-01-30
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2022-12-29
Company: MOHELA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Starting in XX/XX/2022 I have been reaching out to mohela to find out how my application was going. I sent inmy new application for pslf per mohela request when they took over my student loans. They sent back an auto reply that stated to give them 90 days to process applications because they were being inundated. Since then I have sent 7 messages. I have been unable to get a hold of a customer service rep and when I finally did yesterday they told me they have never received my application and that since they hadn't I no longer qualify for the limited pslf waiver. They then decided to transfer me to a manager because I stated why would I be calling and sending multiple messages if I never sent an application? I held on the phone for an hour and a half with no answer, just holding music. This is just XXXX problem I'm having with them. I have multiple, but they only reply with auto reply on the secure messaging that is not helpful. They have made it too difficult to contact them and my loans are being grossly mismanaged. At this point I don't know if I need to get legal representation. All my messages are secure on my site and it is obvious I have been reaching out for months to try and figure out where my application is, why my eligible payments aren't rolling over and also I submitted a decrease in working hours and requested they change my monthly payments based on this. None of this has even been addresses. This is a horrible company and XXXX begging for help. I'm a XXXX XXXX who has worked through the pandemic with covid in XXXX XXXX patients. I have worked for the same company that is non profit for 12 years. I am the poster child for pslf program. Please help me. Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've reached out to PNC 3 times via social media, online portal and call to get my acct to only have paperless statements but they still haven't changed this, thereby charging fees every month for paper statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Enrolled in AUTOPAY to pay FULL BALANCE every month on the XXXX. Payment did not come out yesterday. I phoned Elan Financial yesterday XX/XX/22 to ensure everything would work. Nothing was paid. Agents disconnected the call or hung up on 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 explanation
Consumer complaint received 2022-01-30
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:
The account listed on my Equifax credit file as being owned by XXXX XXXX XXXX, Account # XXXX should not be reporting to my credit file. It was previously reported under the original company as XXXX and DELETED due to fraud. This is a reinsertion of a fraudulent file and should be removed immediately. I have brought this to a representatives attention but have not received a response in a timely manner regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FFROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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
Consumer complaint received 2023-08-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On early XXXX I opened a saving account with Ally Banking. My first deposit was in XX/XX/XXXX for {$2500.00}. the second deposit was on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX Ally withdrew {$2500.00} by mistake for Stop Payment reason and send it back. That money never got back to my Credit Union account from where it was sent. I have spent 4 hours with my bank looking for that returned money with no success. It is my opinion that Ally Bank made some kind of error when the {$2500.00} was sent back to my C.U. account because it has been a month and 1/2 and that money has not arrived. There was no reason for Ally Bank to send that money Back. I am retired and hope you can help me with this issue.

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 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX # XXXX ...., XXXX # XXXX ...., XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX  # XXXX ...., XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 consumer 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 2022-12-29
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SOUTHSTATE CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I have discovered an adverse reporting on my bureau with experian for a collection with a bank I have not had a relationship with. I have a collection on my account for {$30000.00}. I have disputed the matter with the credit bureau. I have also called the bank directly to find out what this was about and what their procedure to remove the claim was. Centerstate bank was completely unwilling to share practices on how to go about stopping the claim, including sending a police report filed for identity fraud. I have made the point if this was a valid collection, why was a letter, not one, was ever sent to us. It's as if this debt appeared out of nowhere. I'm not 100 % sure why Centerstate bank does not help us out or why procedures to dispute this are not handled. We are ready to formally proceed with whatever need to be does to prove this debt is not mine. 

Centerstate bank mentioned this was a mortgage for XXXX XXXX XXXX, XXXX, fl XXXX. A property we own and finance with XXXX XXXX XXXX. The mortgage ( balance around $ 58k ) is current and paid timely. This mortgage is also under my husband 's name, XXXX XXXX. Once again, how is there a mortgage for $ XXXX for a property that was never even under my name, with a bank we've never done business or signed a contract with? And once again, they are completely unwilling to work with us to fix this matter. 

The associate i've spoken spoken to at Centerstate bank was called XXXX in their winter park branch. She said she would 'call me back '. Her tone was telling that I would never get a call back from them. The phone number I dialed was XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00}

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 2023-03-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with inquiries that are fraudulent

Company response to consumer: Closed with explanation