BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX  XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX. Account Number : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-02-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
PNC advertised a XXXX  % interest rate savings account, which can only be opened online. I opened a savings account expecting to get the XXXX  % interest rate. The online information does not state the interest rate. After XXXX month, I saw that the interest applied was XXXX %. I called PNC and they said that I do not qualify for the XXXX  % rate. But there was no transparency as to how to qualify or whether I qualified. XXXX reason PNC stated for not qualifying is that I live in XXXX. But when I enter my zip code in the PNC website, the same offer appears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : CXXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Kohl 's is reporting inaccurate information to the credit bureaus. They are stating that my payment for the month of XX/XX/2019 was late. I contacted Kohl 's on the day after because I got a notification that the payment was late and that a late fee was applied to my account. I contacted Kohl 's and the representative waived the late fee and explained that it is possible that my payment posted late because it was drafted from my bank account late. I asked the representative if this would be reported to the credit bureau and the representative said that it shouldn't. Now I have been disputing this since XXXX of this year and Kohl 's still chooses not to remove the inaccurate information. I have since paid the account off and they are still reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was calling to report my card as lost and was told that they could not give me a replacement because my account was closed. They said my account was closed because I have an outstanding balance of {$500.00} from a check that was cashed 2 years ago which is impossible because I was XXXX XXXX XXXX at the time and I have never had a job. I used my account to receive money through XXXX and send money through XXXX. I seriously need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: NEW YORK COMMUNITY BANCORP INC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Auto payment was canceled without explanation. I was never informed of missing a payment and rectify the issue within 20 days

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: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 2023-03-21
Company: EQUIFAX, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I transferred two fees on my loan a year ago. I paid extra each month to target that balance by XXXX extra each month. I noticed a balance transfer fee on my invoice and contacted the company to find out why I was being assessed am Interest fee and a balance transfer fee. I was told that the promotion had needed and I still owed almost the entire transfer that I did when I opened my credit card!! I explained to XXXX that cant be possible when I have never paid the monthly payment I always paid more. Like XXXX more each month. She told me the extra money each month goes to The interest on the current balance. I told her how is that fair to the customer and how the heck do I pay the balance transfer off if I as the consumer can not pay down the balance nor can I see the breakdown when I make a payment!!! She was rude did not want to understand how their practices are misleading to the consumer and not fair!! I asked to speak with her Supervisor, which she transferred the call to XXXX who was more pleasant and agreed to waive the fees that were assessed. I am writing to you to investigate this institutions process to ensure consumers and not mislead and taking advantage of!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with Fair Credit Reporting Act 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 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 XXXXXX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-04-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a dispute with Wells Fargo last year for a purchase I made overseas and the bank refused to honor my dispute. Instead I was sent a letter on XX/XX/2020 stating the dispute was declined for " not as described food and services ''. No further explanation was given and their explanation is misleading and deceptive. I provided all the paperwork as asked and many times the bank made an error where a rep closed my dispute by mistake and I had to reopen dispute again. I was never notified of when my dispute was closed but i only came to find out when calling their bank. I Also at times the bank seemed to have lost my paperwork and made me resend again. Other times my dispute was not reopened when i requested to have it reopened. i want to know why they closed my dispute and to provide a detailed explanation. I have submitted all documentation asked over the months to support my dispute but still my dispute was closed without a valid reason. If this kind of deceptive customer service continues from Wells Fargo I have no other choice but to close my accounts. In the past they have been guilty of opening accounts without customers permission and they paid a big penalty and now they are doing it again by not resolving disputes and not following the proper guidelines. They openning accounts but they don't want to do the work and resolve anything for the client such as disputes. They just want numbers. I want a bank and credit card that will work for me and not a bank that I will be working for them!! So far Wells Fargo is lagging behind as a reputable bank and I wanted to give it a try but they have let me down. I have included some paperwork as support to my claim.

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 2022-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT  Account Name : XXXX  XXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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 items 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 reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up endeavor 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 items 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. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/, XXXX has XX/XX/, Experian has XX/XX/. All three can't be accurate or correct. FCRA requires you to fix it or delete it, or blocked 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 2023-02-15
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Agency LexisNexis is reporting my name wrong XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX and XXXX XXXX XXXX XXXX XXXX XXXX or XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX and 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 a account without my written instruction

Company response to consumer: Closed with explanation