BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EdFinancial Services
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting EDFINANCIAL SERVICES L has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On   XXXX    XXXX , 2017 about   XXXX   XXXX  . I went to deposit cash in the PNC ATM ( they do not use envelopes for cash deposits ). I deposit {$65.00}, it kept spitting out a {$20.00} bill, and It ate it and said to contact financial institution, no recept for the deposit of {$20.00}. This is the 2nd time this has happened in approx 3 weeks!!!!!!!!!!! Last time it was at a different atm.
This was at   XXXX   XXXX   XXXX  , in  XXXX , PA.
I called PNC, they FLAT OUT REFUSED TO CREDIT MY ACCOUNT OF {$20.00}!!
I SAID I HAVE OUTSTANDING CHECKS OUT, AND THEY CAN BOUNCE. THEY ABSOLUTELY REFUSED TO EMAIL ME IN WRITING THAT IF A CHECK COMES THROUGH AND BOUNCES THAT THEY WILL NOT CHARGE ME A FEE. HOW CAN NOT EMAIL ME THAT STATEMENT IN WRITING?????????????????
i AM GOING TO LOOK INTO A LAW SUIT FOR THIS ONE, THIS IS SERIOUS!
yOU CAN NOT TRUST THEIR ATMS TO DEPOSIT CASH AT ALL. THEY USED TO HAVE ENVELOPES IN WHICH YOU WROTE YOUR NAME AND ACCOUNT NUMBER ALONG WITH THE DEPOSIT AMOUNT, THIS ABSOLUTELY CAN NOT CONTINUE.
THEY SHOUD BE SEVERLY FINED FOR THIS TOTAL NEGLIGENCE. THEY NEED TO HAVE ATMS THAT TAKE ENVELOPES FOR CASH DEPOSIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Following hard inquiries I see on my Transunion credit report which was never acknowledged or given consent for. I sincerely request CFPB to instruct Transunion to remove them from my credit report asap. Please find the merchant names and date of the inquiries as per my FICO report shown below. Thanks, 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 2017-07-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX  Dear Gentle Person, Hope you are well. Here is the credit card violation by Sychrony Bank credit supplier of Walmart : 1. I bought a TV in   XXXX    on an interest free for a year program ' 2. I paid extra each month almost to pay off before time period 3. 18 months later they charged me {$360.00} in interest & said it was for TV 4.On  XX/XX/XXXX  I got customer service & had to ask for Service Manager 5. I got  XXXX  at ext  XXXX  6. She told me I had to ask the money to be allocated for TV each month I stated no one stated such a thing or provided a document stating such a thing at Walmart or Sams 7. She stated thats their job not the banks 8. I stated that 's not correct you are the credit provider it must according to consumer law be done at the time of purchase disclosed all terms in writing & this was not done & is not being done at all 9. She then checked my account & stated she would allocate the extra money I paid & pay for TV I should see the refund by Thursday  XX/XX/XXXX  10. I did not see it 11. I called again after 25 min on the phone they stated it was being worked This is the big picture neither Walmart the seller or Sychrony bank is telling the buyers they have to call & allocate the funds specifically the item they are buying on the interest free program & thousands of Walmart customers or Sam 's do not knowing & are getting stuck with huge interest bills after paying extra to pay an item off.
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Thousands of consumers are getting hoodwinked by not getting told verbally or in writing this important fact. False advertising & consumer fraud it appears is going on here.
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Thank You   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 monetary relief
Consumer complaint received 2020-09-15
Company: Nation One Mortgage Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When the application was initially taken on XX/XX/XXXX the interest rate was 4.25 with no points but an origination fee of {$4100.00} based on a credit score of XXXX. On XX/XX/XXXX XXXX XXXX called to say that the interest rate went up to 5.375 due to the credit score going down. The final credit score on the closing documents is the same XXXX. At that time ( XX/XX/XXXX ) we asked XXXX if we could use another lender and he said no you can't do that. When we asked about the {$4100.00} origination fee XXXX said this loan was under water. I didn't know what that meant. With our settlement date less than 1 week away ( XX/XX/XXXX ) we thought there were no other options as we really wanted this home we completed the closing. In addition once we were made aware of the rate 5.375 with {$4100.00} origination fee we searched other lenders interest rates/fees and were told 2.625.

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 am a victim of identity theft. I have attached a copy of my filed police report and FTC report. I have never did any business or obtained any credit with XXXX Transunion is the only credit bureau that is reporting this debt, Transunion needs to follow suit and remove as this was found to be falsely reporting. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law

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: FL
Product: Credit reporting 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 NEED THESE ACCOUNTS AND THESE INQUIRIES DELETED SINCE YOU HAVE TO SEE THAT THEY HAVE INCORRECT INFORMATION. 

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The persoanl information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-01-12
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today ( XX/XX/XXXX ) I placed my fourth call to Franklin Collection Services. Previously I contacted XXXX XXXX XXXX to dispute this derogatory information. XXXX XXXX XXXX tells me that I have to deal directly with Franklin Collection as they have taken over my account. The account being an XXXX account in the amount of {$490.00}. On four separate occasions I have called Franklin Collection and each time the representatives that I have spoken to have been EXTREMELY rude, especially XXXX XXXX ( XX/XX/XXXX ). I was able to determine that the address they have for me on file is not mine. I have sent in a lease agreement and also a police report to confirm that the information they have is not me and is a result of identity theft ( XX/XX/XXXX ). They do not care and instead of being receptive to the information that I sent and finding common ground I am meant with hostility, sarcasm, accused of doctoring a police report, etc. I am not willing to pay for a debt that I do not owe. I have been diligently working on my credit in hopes to purchase a home. I have had credit issues in the past and have to pony up the money the money to pay collections, and get my accounts into good standing. I have no problem doing this, but only accounts that are mine where I have incurred the debt. 
When I spoke to the representative XXXX today she told me to " hold on tight because they have 60-90 business days to investigate ''. This has to be illegal. I will fight this tooth and nail.This is not my account. Franklin Collection is unwilling to discuss professionally and instead resorts to rude snarky and threatening dialogue. I mentioned to XXXX XXXX that I was trying to purchase a home and she said with collection amount like this it is unlikely I will get a house. Who are these people? I will not be bullied or talked to like this, finding out that an unauthorized account was opened in my name is hurtful enough.I will not continue to be victimized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$450.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/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 2021-06-14
Company: Experian Information Solutions Inc.
State: TX
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:
not mine : fcra XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2023-08-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 non-monetary relief
Consumer complaint received 2022-09-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has placed 4 unauthorized inquiries on to my consumer report and I want them deleted now. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

There is no clear proof of any transactions that have been provided to me upon my request from any Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
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:
Experian, XXXX are still reporting XXXX XXXX account. As original creditor that I owe them. {$860.00}, when this account was sent to XXXX  XXXX XXXX XXXX. These XXXX credit reporting agencies. Are allowing fraudulent information to be seen by possible companies. For loans, credit cards, etc Per FCRA & FDRCA, original creditor cant report and outstanding balance due or past balance. In the amount more than XXXX. Accounts in collections cant report a past due balance or balance due either. Ive tried on several occasions. To contact XXXX XXXX about. Them reporting a balance above XXXX. Experian & XXXX reporting this account. Makes my debt amount higher. Than should be reported.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} 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 2022-04-12
Company: Experian Information Solutions Inc.
State: LA
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 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 explanation
Consumer complaint received 2020-09-15
Company: Mr. Cooper Group 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:
1 ) Per escrow analysis from mortgage company Mr Cooper, making an additional payment of {$2800.00} would put my monthly  payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to Mr Cooper and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as Mr Cooper continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later. 

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by Mr Cooper for which my XXXX  credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling Mr Cooper has been nothing but a waste of time, and energy. It's very frustrating.

Company response to consumer: Closed with explanation