BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been attempting to obtain my credit report from XXXX since XX/XX/2022. 
I received a letter from XXXX dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at XXXX three times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : XXXX XXXX XXXX XXXX XXXX  Furthermore, I called the XXXX help number ( s ) literally 10 times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with TransUnion and XXXX. 
This is outrageous.

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 2022-08-10
Company: WELLS FARGO & COMPANY
State: TX
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:
Hello, My name is XXXX XXXX and Im writing this letter regarding a scam transaction through a wells Fargo credit card. 
Last year on XX/XX/2022 I purchased a 1st class upgrade ticket from XXXX to XXXX XXXX from XXXX XXXX through a wells Fargo credit card. 
after paying the {$1100.00} I didn't see the upgrade on the app so I called XXXX XXXX to make sure everything went through and the representative told me the upgrade will show shortly as a business class in the connection flight from XXXX XXXX to XXXX, so I informed the representative that this not was shown on the notification on the app it should be first class for the whole flight and he can review the phone call I made to them before purchasing to go over the details, the representative ignored me then I called wells customer service and informed them what happened and they told me they cant do anything at the moment, since the transaction still pending and they will dispute it when it's processed. 
After 10 days I had to travel and the airlines forced me to get in business class in the connection and the bank dispute the amount in XXXX and charged it back in XX/XX/2022 and since then wells refused to dispute it again saying that the merchant provided proof of using the service and ignored that I informed them it was a scam after 15 min from the purchase and 10 days from the travel date. 
Below is some supporting Info : Case # XXXX Account # XXXX Thanks, 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 2020-10-09
Company: Experian Information Solutions Inc.
State: MA
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:
After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX credit and they haven't. 

XXXX credit - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US. 

Any assistance will be greatly appreciated.

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 2023-06-16
Company: EQUIFAX, INC.
State: SC
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
In a claim under buyer protection for loss they without explanation denied via letter a portion of the claim for {$75.00} for engraving claiming it is excluded in the policy. However, this is a one-piece manufactured item and is not separately assembled or otherwise put together for an outside source. They are totally wrong in denying the {$75.00} portion of this claim. First rep call went dead and no one called me back. Second rep was clueless and transferred me to another rep. Third rep - I requested exact language for denial and she quoted a section # but couldn't answer my questions so I asked for specific denial in writing with specific section numbers where they were claiming the exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Fraudulent Account

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 2023-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These credit bureaus are reporting this information incorrectly and frequently. This account was paid in full XXXX of 2020 with no late payments and I sold this vehicle to XXXX XXXX dealership in good standing. I will be attaching support evidence of my claim and XXXX asking that any derogatory marks and negative marks be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was reaching back out to you about some bankruptcies showing on my credit and I have never filed bankruptcy. I reached out to you all back on XX/XX/2021 and the response from the credit bureaus said they were going to investigate the bankruptcies and reach back out. Well they never did and they bankruptcies are still here on my credit almost two years later of me trying to handle this. Now I did get a response from XXXX and they did remove all the bankruptcies off my credit file. Its XXXX and Tranunion who has not responded. These are the bankruptcy case numbers XXXX, XXXX, XXXX, XXXX and XXXX. I even went back down to the Bankruptcy Court in the federal Building for a second time just in case the previous lady gave me misinformation. They guy at the counter asked for my social security number and he stated the exact same thing the first lady said and that I am not in their system. Please have XXXX and Transunion to remove all those bankruptcies off my credit.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 NumberXXXX Account Name : XXXX XXXX Account Number:XXXX 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 2020-01-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.

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 2020-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 Transunion # 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 In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-07-15
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-15
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). The account holds assets currently worth over XXXX XXXX XXXX dollars. Not being able to trade or withdraw these assets is obviously a big problem. The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I feel that PNC bank has racially discriminated against me. Please note, during this tefinance process I had an in person meeting with my loan officer XXXX XXXX and employee XXXX XXXX on about XXXXXXXX XXXX,2023 at which time I complete and sign additional loan documents. Although my loan process began XXXX XXXX, 2023 I originally request loan in about of {$10000.00} to do home repairs on 2nd home in which I own outright. PNC loan officer suggested home equity loan XXXX amot XXXX in which I agreed. I also had my son XXXX XXXX as a cosigner. This loan process began in XX/XX/2023 and despite being told on multiple occasions by loan officer that I would be approved, I was sent a denial XXXX XXXX XXXX2023 for FHA, but the loan processing was still on going no until XXXXXXXX XXXX,2023 did I get another denial. During the loan process PNC began to ask for multiple documents in, PNC required that I pay the XXXX mortgage once they received payoff quote in XXXX, my cosigner vehicle was totaled via hit and run, despite the lender confirming loan paid in full PNC required that get a letter from auto insurance company to also confirm loan paid by insurance company. PNC then required my retiree program confirm that my pension is effective for at least next 3 yrs. I was constantly asked obtain extraordinary amounts data. I was even asked during the " 2nd week of XXXX 2023 '' about a {$430.00} payment made from my checking account during XXXX 2023 which was for health insurance XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were PNC employees that were involed in this matter. I have filed a discrimination complaint and was contact by XXXX XXXX of PNC executive office who that passed my concerns to XXXX. I have requested a refund of my {$660.00} appraisal fee and resoultion.in the way I was treated. On Friday XXXX XXXX, 2023 XXXX advised PNC would not provide refund, Also, I have not received a copy of my invoice.Leanne did not offer any resolution and would only say that " she couldn't discuss outcome in possible disciplinary measures against employees for privacy reasons '. I advised XXXX that " my focus is on why I was misled, for so long and assured that my loan would be approved? XXXX would not address any of my core issues .I have many emails and text messages to support my claim. NOTE : PNC claims debt ratio is reason for denial, yet no new debt was incurred, also my consignor had as mentioned car paid off via insurance and pay increase. I brought that to loan officer attention, her only response was that it wouldn't matter '' and that PNC made an error and miscalculated my property taxes causing debt ratio issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : BARCLAYS BANK DELAWARE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.

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