BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Home Depot promoted {$50.00} off my purchase of {$300.00} or more when approved for a Home Depot credit card on XX/XX/2022. I signed up and was approved on the spot and input my new card information for the purchase, but no discount was creditted to the purchase before completing my order. I called their card services and the XXXX  representative told me it would be taken off my XXXX statement once i paid off the XXXX statement balance. I informed him that was not what was advertised and requested to speak to a supervisor. The supervise informed me the first representative was incorrect, and I will receive a {$50.00} credit on my first statement, reducing my amount due for my XXXX  statement from {$360.00} to {$310.00}. That was not what was advertised, but I found this to be acceptable. Today, i received my first statement and there is no credit applied to my purchase, meaning The Home Depot has failed to abide by the terms set forth and agree upon when my line of credit was opened. This is false advertising and breaking legally binding agreements between two parties and needs immediate resolution. I should not have to reach out multiple times to receive a promotional discount due to me and receive a run around. I was told this discount will take approximately two weeks to be reviewed, which is pushing the due date on my statement.

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 2021-05-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have paid off XXXX dollars into this closed revolving account and the status of the account never reported to the credit bureaus. The remaining account balance is XXXX dollars until it is completely paid off.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint against Wells Fargo for ALL of the things you have settled with them. They opened a credit card in my name that somehow maxed out at {$5000.00} and then refused to do anything about it and continue to report it on my credit report. 

They consistently charged me late fees and marked my payments as late for my car loan on a XXXX XXXX. 

They charged me overdraft fees even when my account had money in it. 

The worst of these was a combination where they would take my car payment out of my account, charge me an overdraft fee, then charge me a late fee for my car payment -- this was all done while my account had ample funds to pay the car payment.

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 2023-08-14
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are customers of PNC Bank. PNC Bank obtained our mortage when they bought National City Bank in XXXX. 

Our property/mortgage is the center of a Michigan XXXX Police investigation involving millions of dollars in real estate fraud and mortgage fraud. PNC became directly involved in the scheme when the individual under investigation contacted PNC and was able to obtain our personal and loan information from PNC in XXXX XXXX. 

We believe the fraudster was able to acquire the local taxing authorities ID number and used this number to obtain access to our loan information. 

We had been in contact with PNC numerous times for a year prior to this breach of our personal/loan information informing PNC of XXXX ongoing real estate/mortgage fraud investigation involving our property. 

In XX/XX/XXXX based on the false information provided by the fraudster at the center of the XXXX XXXX PNC initiated an escrow on our mortage more than doubling our monthyly payment. 

PNC did not reach out to us at anytime prior to altering our mortgage with the escrow account. 

XX/XX/XXXX, following months of XXXX PNC reversed our escrow and returned our monthly payment to its original amount. 

In XX/XX/XXXX, we obtained a court ruling that prohibited the foreclosure of taxes on our property due to the taxes being fraudulently assessed. 

Our attorney had been in contact with PNC prior to this XXXX proceeding and following. 

PNC was provided the Court Order in XX/XX/XXXX. 

In XX/XX/XXXX PNC filed a civil law suit against us requesting that we reform the legal description in our mortgage due to a mutual mistake. The incorrect legal description in our mortgage is not due to a mutual mistake. It is the result of the real estate/mortgage fraud scheme involving our property and under investigation by the Michigan XXXX Police XXXX 

No different than the taxing authority being prevented from foreclosing in XX/XX/XXXX due to our erroneous legal description, PNC can not foreclose our mortgage because of the incorrect legal description. 

In the Civil litigation we have attempted to obtain the information regarding the contact betweeen PNC and the fraudster. PNC is refusing to produce this information causing us increased litigation costs and delays. 

In XX/XX/XXXX, PNC was served with a search warrant by the Michigan XXXX Police. They have failed to produce the information requested. Further delaying the criminal investigation. 

PNC is reporting monthly to credit bureaus the deliquency on the invalid mortgage on our property. It has destroyed our credit score. 

PNC prides itself on preventing mortgage fraud but when caught in a mortgage fraud scheme instead of assisting the victims ( their client ) and the investigators they are chosing to obstruct the criminal investigation and pursuing civil litigation instead against the victims of the mortgage fraud scheme - their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 USC 1681.

has violated my rights. Or list of inquiries 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 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 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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinance my home located at XXXX XXXX XXXX XXXX CO XXXX back in XX/XX/2019. I have made all my payments on time until I was told that my escrow account was negative $ XXXX. I called my mortgage servicing company and after many hours on the phone was told that I was doubled charge for my hazard insurance. Then I was notified by the county that my taxes for the previous year were never paid. I sent the notice to the servicing company and was told that someone would get back with me with a resolution. I never received a call back and now my credit reflects an increase of $ XXXX to my loan balance. I called the servicing company again and still no resolve. 

The mortgage company information is listed below. 

Shellpoint Mortgage Servicing NewRez LLC dba Shellpoint Mortgage Servicing XXXX XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX My Loan ID : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 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. 

XXXX XXXX XXXX has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly

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 2022-03-20
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; 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 2023-06-10
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:
On XXXX XX/XX/2023 I filed a CFPB complaint XXXX against TransUnion regarding the information in my credit files associated with an account/tradeline with XXXX. The basis of the complaint surrounds XXXX sending billing notices to wrong addresses at random, some of which I have not lived at in over fifteen ( XXXX ) years. TransUnion marked the CFPB complaint as " in progress, '' stating they needed more time to review the information I provided. On XXXX XX/XX/2023 I received a notification that TransUnion have updated the information pertaining to the XXXX account/tradeline, in which XXXX is alleged to have provided information indicating my payments are now " not more than XXXX payments past-due. '' I have a copy of a TransUnion credit report for the past XXXX months, all of which indicate that even if there were no billing errors, the account could only be at most XXXX ( XXXX ) days past-due. 

If, this had occurred in a vacuum it might be plausible that only XXXX would be at fault. However, given the date CFPB complaint XXXX was filed, the notification I received regarding updated information for the XXXX account/tradeline in my TransUnion credit file was in response to my dispute from XXXX XX/XX/2023. XXXX has been unable to send my billing notices to the address at which I reside. In fact their parent company XXXX has acknowledged that fact in a an e-mail to me on or around XXXX XX/XX/2023. Nevertheless, TransUnion is continuing to report invalid and unverifiable information that even changes for the same period ( s ) from month to month as evidenced in the attached documents. XXXX has failed to send billing error notices in compliance with Regulation Z. The effect is evident in the delinquent payment history as reported in my credit files. XXXX knows, or should know they are doing such. Furnishing information generated as a result of XXXX XXXX violations is meets the definition of unlawful and unfair practices. At this point TransUnion knows, or should know the information furnished by XXXX is unverifiable because it is the result of billing errors. At this point TransUnion knows or should know that supplying adverse payment history DURING a billing error investigation is unlawful and violates 15 U.S. Code 1666. It is the responsibility and duty of TransUnion under the FCRA to remove the unverifiable and invalid payment history immediately. The fact is TransUnion 's persistence of the invalid, unverifiable, inaccurate information in my credit files is causing me harm -- I have been denied housing and have been the subjected housing discrimination as a result of this 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 2022-10-24
Company: BARCLAYS BANK DELAWARE
State: IL
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:
There are unauthorized businesses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: AL
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:
Improper use of credit reporting; Credit ran without consent.

Creditors Name:

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 2023-03-03
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NJ
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 2023-02-23
Company: Experian Information Solutions Inc.
State: MI
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 they violated my rights. 
Please delete the following items : Account : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted USAA credit card department on XX/XX/22 in regards to my XXXX with them. The card is now at a XXXX  % interest and it is becoming harder and harder for me to pay this bill, specially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX minute hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX years of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX minute hold and came back stating that she was sorry but that the option I was requesting was not offered by USSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation