BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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:
Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly I am writing to file a formal complaint against the credit reporting agency Trans-Union , regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Trans-Union have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letters to Trans Union, disputing the accuracy and compliance of information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Trans Union responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Trans Union Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned Trans Union apparent lack of vigilance in upholding the integrity of the credit reporting system. Trans Union play a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Trans Union failure to accurately report non-compliant information has led to severe financial and personal repercussions. 
Reporting Discrepancies : XXXX TransUnion XXXX Reported On Record To XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date ( per TransUnion ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date ( per XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Late in - XX/XX/XXXX XXXX XXXX XXXX Days Late in XX/XX/XXXX - - XXXX  Days Late in XX/XX/XXXX XX/XX/XXXX - XXXX  Days Late in XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-03
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called Pacific Retrieval LLC today, and spoke to a man who ended our conversation by hanging up on me. I was trying to explain what I knew of my claim. Note, I am not an insurance adjustor, nor am in debt collections, so I'm not familiar with the processes as well as those who are, so I was asking questions and telling him what I knew. He was rude from the start, and at one point he tells me " thats the most ridiculous thing I've heard all week. '' I asked what he meant and he responded with this threat, " if you don't want your credit hurt you can call back and set up payments '' and then hung up on me. I tried calling back, and I heard the same man in the background yell at the lady who answered my call, " just hang up on her. '' So she hung up on me as well. The calls are recorded. I suggest requesting those recordings. As of now, I haven't been able to resolve this issue or figure out how I now have debt in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: U.S. BANCORP
State: NY
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:
Victim of identity theft

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 2023-10-05
Company: EQUIFAX, INC.
State: VA
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please repair and update ASAP.

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 2022-04-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I returned back to school in XX/XX/2020 and at that time I was still making monthly payments to Navient on my private student loans. I requested that the payment be paused for in-school deferment, however, after speaking with several agents I was bullied into keeping my payments going. I was told that I would no longer qualify for the rate reduction program upon reentrying the program. I felt very ashamed and bullied by the individuals I spoke with, while still struggling to make payments. I was even called by an agent who, before even asking how I was doing, asked whether I was going to send my payment. Mind you, I had a payment pending on my account, but he'd rather I make a payment with him over the phone. I verified that this was an actual Navient agent and not a scam call when I hung up and called the number back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attached docs for ID theft info and FTC papers for my id theft and remove the affected accounts thx. 
FILES ATTACHED : 1. FTC ID THEFT REPORT 2. FCRA 605B 3. AFFIDAVIT OF ACCOUNTS THAT ARE FRAUD EACH BUREAU ( EXPIERIAN, XXXX XXXX XXXX ) 4. POLICE REPORT 5. ID PROOF

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 2020-12-23
Company: General Motors Financial Company, Inc.
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX FI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICREDIT FINANCIA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Syncapay, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I have the first card with them on XX/XX/2020. Despite they said that this card can be used anywhere Visa is accepted, I couldn't use it in XXXX and XXXX even those two companies accept Visa just fine. When I attempted to use it, the purchases were rejected with this error " Merchant not in Network or No Purse Exists ''. I also tried to contact them to explain this error but the company never responded. 

A few weeks later, I combined a few tokens to form a card with {$670.00} worth of balance. I was only given 6 months expiration date instead of typical 12 months duration like the other card that I have before.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have filed complaint previously and the complain number is XXXX. The company responded without giving any explanation why my last month XX/XX/2022 interest was higher and why they charged me over {$170.00} extra, they never give explanation and all what they provided is just a copy of my contract with them without explaining anything, so when I called them, their representative said because I didnt pay XXXX bill which is incorrect because I have made my payment for XXXX on XX/XX/XXXX, so I have emailed them the bank statements, payment confirmation number that shows that I paid, and still didnt get back to me yet. They reported that I late to pay my bill to the credit Bureaus and that cause a damage to my credit reports and it also reduced my credit score and showing an increase in my car loan amount due to their unnecessary action since I already paid before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020 I wanted to book a flight on line with Spirit Airlines using my Bank of America Spirit Airline credit card using my miles reward. I wasn't able to book it on-line because my Free Spirit Number was incorrect. I called Spirit and was able to book the flight using XXXX of my XXXX miles and an additional cost of {$30.00} for fees. I asked if I could pay for my seat, baggage and change fee protection which their web-site said the cost was {$77.00}. I was told I had to wait for a confirmation number and then I could go online again and get that bundle for {$77.00}. However, when I went online a seat cost was {$45.00} and another {$45.00} for baggage and no change fee protection. Again I called Spirit and was told I could only get that {$77.00} bundle when I booked online. At that time I said I wanted to cancel my reservation and asked if I would get a refund for the {$30.00} and the XXXX miles. I was assured that I would get a refund and it would be credited to my account within 8-10 business days. No refund was been credited to my account as of this date. 

I also asked why I could not book a flight online using my Free Spirit Number but could call and book a flight using my miles. I was told only my husband has that Free Spirit Number account. However, my credit card has my name with the same account number and Free Spirit Number. I asked if I could add my name to the account, even though I have my own credit card and Spirit said I had to call Bank of America. When I called Bank of America they said Spirit handles that.

I have emailed Spirit several times and they told me I have a different Free Spirit Number but that Free Spirit Number account was closed when my husband and I opened this account through Bank of America.

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 2023-11-06
Company: EQUIFAX, 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted Barclay 's and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.

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 2022-08-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/22 I made a balance transfer with Navy Federal Credit Union for {$2600.00} to be sent to XXXX XXXX XXXX XXXX XXXX. A week later no transfer had taken place so I called NFCU and was told transfer was made electronically and funds had been dispersed. Contacted XXXX  and was told no funds received?!?! Finally after speaking with literally 7 different people combined from both credit unions and having a three way phone call with all parties, no solution. Now I have 2 balances for same amount thats incurring interest, fico  score has dropped and Im in the middle and no one seems to be concerned. I did speak finally with a XXXX at XXXX Legal Department and she is wanting to speak with NFCU but they are not cooperating! Im am wits end! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Contacted my Bank ( BB & T ) in regards to unauthorized charges showing on my account XX/XX/XXXX. I immediately had my card cancelled and was transferred to the Dispute Department ( XXXX ) and filed a claim for five unauthorized charges totaling {$170.00} all posting to my account XX/XX/XXXX. I was provided a Claim # XXXX and advised the investigation can take up to 10 days for completion and provisional credit. 
I received a letter in the mail dated XX/XX/XXXX stating a provisional credit iao {$5.00} for one of the disputed charges and my Claim was being closed. 
I contacted the Dispute Dept directly XX/XX/XXXX to inquire about the additional transaction in dispute and was advised BB & T has concluded those remaining charges were valid and my claim was indeed closed. The Rep advised she could contact a supervisor to have the claim re-opened for further review.

I received a call from the Dispute Supervisor ( XXXX ID # XXXX ) XX/XX/XXXX in which she confirmed to me the claim has been closed due to charges being completed with a chip and I had previously stated the card was in my possession the whole time. I asked her how would they come to that conclusion seeing the charges were made in XXXX and I currently reside in XXXX, TX? I did not travel to XXXX overnight to charge {$170.00} on my card and return to Texas the same day?! 
XXXX advised this is the Bank 's practice, but again she will re-open the claim for additional review which will take an additional 5-6 business days for results to be made available.

I am a single mother of three and can not afford to have funds stolen from my account and then not protected by my bank ( BB & T ) I have bills pending payment subject to disconnection due to these funds being withheld for over two weeks and now having to wait an additional week for further review.

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 2023-06-29
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: Information belongs to someone else

Complaint:
Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-29
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I XXXX searched " XXXX XXXXXXXX '' on the shopping tab. XXXX XXXX popped up with the camera for {$500.00}, with $ XXXXshipping. A total of {$550.00}. After I placed the order, it was requested that I pay via XXXX through my PNC app. My order number was # XXXX and said " pending ''. I did not receive further instructions regarding where to send it, so I used their XXXX  to inquire, nor did I receive an invoice or receipt. 

A person named " XXXX XXXX '' responded and sent me an email from XXXX with instructions to issue the payment to XXXX ( an individual named XXXX XXXX ). He also requested that I reply with a screenshot of the XXXX payment. I did so and requested that I be sent an invoice and tracking number when it was shipped. I was told it would be sent today ( XX/XX/2022 ). 

I noticed the next day that it was still saying " processing '', so I inquired via the XXXX  with no response. I emailed the admin account, was told the item was going to be shipping soon, and the following day, they stated that I had not made the payment ( despite confirming that it was received ) They are also not answering the phone number listed on their website. They have since removed the ability to use the XXXX  from my account, Upon looking deeper on their XXXX business reviews, I saw that two things had occurred. Firstly, there is a review left by " XXXX XXXX '', the same name as the person who allegedly works there. Secondly, another user commented that the business was a scam. 

I contact my bank ( PNC Bank ) to dispute the transaction and report the fraud. They told me to call back once the payment has cleared my account. It cleared on the XXXX. 

I filed a dispute with my bank and they said I would hear back in 10 business days. They have since told me that my dispute was denied because it was not considered fraud. However, from what I understand, this agency has been pushing to include XXXX scams to be recognized as an " unauthorized '' payment. I have also not heard from the " seller ''. I have documentation of the scam below. 

I have filed reports with : The FTC, the Illinois Attorney General, the FBI, and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have inquiries on my report that I didnt do like on my XXXX and my XXXX report I have XXXX XXXX XXXX on XXXXXXXX  I have a capital one inquiry on the date of XXXXXXXX  and I have another one for capital one on XXXXXXXX  them are on my XXXX report and on my XXXX  report I have south XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and capital one on XXXXXXXX  and another capital one on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: VA
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 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