BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-08-29
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to the PNC bank on XX/XX/XXXX to deposit a check into my business account. The check was post dated for XX/XX/XXXX and therefore the teller instructed me that I can not deposit the check. I returned to the bank on XX/XX/XXXX and deposited the check along with another check into my Business account because it is a business account I am not able to cash checks I have to deposit them. XXXX days later on XX/XX/XXXX the bank deducted the amount of the check which was {$330.00} from my account and claimed it had already been deposited previously in XXXX but that was false. I have spoken with the branch manager, who filed the dispute on my behalf and the bank, denied the dispute with no reason provided. They are trying to claim that I cashed the check that day on XX/XX/XXXX but that does not make sense because it is a business account and that goes against their policy and the check was posted dated. There is no record of that happening in the accounts. I am filing this dispute because they are completely negligent, incompetent & careless In how they have handled this situation. I intend to take this to arbitration and or small Claims court. PNC blatantly stole money from account with no claims evidence or proof to justify there actions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: National Credit Systems,Inc.
State: IL
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 XXXX, I moved out of an apartment complex that was owned by XXXX XXXX paid my amount due, did a video-recorded walk-through with the property manager ( everything was A-O.K.! ), turned in my keys, gave my forwarding information ( with my same telephone number they've always had ) and left. Many months later, in late XXXX, TWO collection accounts, both from National Credit Systems but for 2 different amounts, were placed on my credit report unbeknownst to me. No contact was made with me via mail nor phone re : any outstanding debts to XXXX  nor National Credit Systems, because THERE WAS NO AMOUNT DUE! In addition, upon first moving into the apartment, I purchased a non-refundable surety bond so that I wouldn't have to worry about any outstanding fees or awaiting a security deposit refund much later after my move-out. The company cashed in the surety bond AND STILL put fraudulent and erroneous collection accounts on my credit profile! When I called to discuss the 100 % fraudulent charges, the rep kept repeating that she did not work for the property management company, so I would have to pay. She wanted nothing to do with resolving the fraudulent charges. In addition, XXXX has since sold the property to another company, so no one from XXXX nor National Credit Systems can speak to me about why these trumped-up charges are being steadily fraudulently verified as accurate on my credit report although I have always paid my rent in full every month and also paid in full upon my move-out with no damages or past-due amounts noted at that time nor a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to complete a modification with Mr. Cooper for quite some time now. Initially my mortgage had a hardship with Nationstar and it was sold to MR. Cooper. They told me they didn't have to honor it and that I'd need to start all over which I did, back in XXXX of 2019. Although I am supposed to have a dedicated point of contact, everyone except this POC calls me daily. Although I ask them to speak to one person so that it cuts down on confusion that doesn't happen. I have filed multiple complaints with them directly for a number of reasons and now feel the need to escalate : 1. Someone was placing notes on my account that they were reaching out to me to work out a payment arrangement and they never did. I ended up calling in to check on the status of the modification and found this out. I sent an email from their corporate relations dept thanking them for bringing it to their attention despite the fact that their actions could've been detrimental to my family.

2. They were sending people to my home daily to complete an " inspection '' and charging me for it. They also left large and rather embarrassing notes on my front door despite the fact that they were in some sort of contact with me on a consistent basis and after contact an attorney they sent me a letter stating that they were within their rights they would stop. If something IS indeed within your rights why stop??

3. They call multiple times a day non stop and their answer is they are entitled to call me up to 9 times per day. Even when I tell them I am in the hospital or recently released from the hospital.I comply with every thing they ask of me.

4. They are extremely rude and inhumane when they do call.

5. When they calculated my modification they used my food stamps as income which you can not do and there were updates that I sent them that they did not take into consideration and completely overlooked which caused me to have to decline the modification and start all over again.

5. There is an awful lot of back and forth with the modification which I understand some is necessary however I will get calls and letters in the same day with conflicting information and is hard to keep up with what is needed and what exactly is happening. I now have a HUD counselor to assist however MR. Cooper does not want to work with her but she is my eyes and ears and knows this process better than I do and she is the expert.

I want to remain in my home. MR. Cooper makes it hard for me to believe that I recover completely and feel safe that I can get the modification I need. Every call I hear your home is in foreclosure, your home is in foreclosure.That adds stress. Trust me I know my financial situation, I also know its temporary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Account information incorrect

Complaint:
XXXX reported XXXX student loans to the credit bureaus as each having late payments from XXXX - XXXX of 2017. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. XXXX is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.

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 2021-02-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was a victim of fraud, I was told by a representative from a representative of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my name was reported as being part of an international financial crime. I was told I had to pay money to clear myself of any charges. I was told to pull line lines of equity on my homes and wire money internationally to pay fines in order to clear her name or she would be faced with extradition and charged. I was told to send sums of money totaling over {$600000.00} and now my homes are in jeapordy if I default on any of the mortgages. This process began in XX/XX/2020 and continued through XX/XX/2020. Several international wire transfers were made to the XXXX XXXX XXXX Limited to various individuals that are involved in this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a 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 2021-02-16
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

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 2018-10-18
Company: SYNCHRONY FINANCIAL
State: PA
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 services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from synch on XX/XX/2018 they number is XXXX. XXXX on XX/XX/2018 did an inquiry without my consent.

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 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
With accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX It has been brought to my attention that inaccurate and unverifiable information has been listed on my ChexSystems file To my knowledge, I have never had these items and am therefore writing to request full validation of this debt as is my right under the FCRA. 

Please provide the following Agreement with that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number on file. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are implemented. 
Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

In the absence of such documentation, I request that these accounts be permanently removed from my ChexSystems report. 

The accounts are listed below : incorrect information and violation of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-09-14
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied and received the pay day loan last year around the end-middle of XXXX. I made payments and stayed in contact with my loan officer through it all. My previous loan officer left the company leaving me with someone new. This person does not call, she texts me. She texts me all day asking for a payment, I asked if there was anything I could do to get a pause or anything because of a sudden unemployment in the family that was a loss of {$30000.00} a year and extreme medical problems. I was in debt and bills kept on piling on me. I had a XXXX, was working 2 full time jobs and going to school to provide for my family & taking care of my sister and her child because of a dangerous situation that they were in. I didn't feel like my loan officer needed to know all of this, it was never any of their business but I felt like I had to provide proof that I XXXX  a XXXX  for them to believe that I wasn't just trying to get out of the loan .... My loan officer texted me today, and threatened to take my fianc and I to court. She also discusses my finances loan with me when I have no authorization to be told any of the information, other than being a reference number to call when he doesn't answer. These people are inhumane... I know they have a job but I know that there is a way to also help your customers instead of being insensitive. This loan officer also blamed her supervisor saying they are " on her back '' about my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: DISCOVER BANK
State: IA
Product: Credit 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:
This is the follow-up complaint to my first with Discover Card regarding a credit of {$100.00} to my account that was not mine but left on my account for 4 months after repeatedly asking them to take it off my account the day I spend the {$1100.00} for months later through time not all in XXXX day, they then acknowledge through emails that it was a mistake on their part and that my account will be charged {$1100.00} we are both at fault here discover and myself, I request I pay this back at {$50.00} a month no interest until paid got a response from XXXX and the executive branch saying I could call her on this matter I've done so several times and have not heard back!! Would like to get this resolved before they start charging me Interest on the mistake they couldn't correct for 4 months who makes a payment of {$1100.00} and doesn't notice it's not applied to their statement and doesn't start calling something's a little fishy here. Hope this isn't a common practice with Discover card for people that don't use their card on a regular basis at a bogus credit to their account just leave it until that person tries to spend it and then they slam it on their account meanwhile there was never a legitimate person sending in a credit that got applied to my account " mistakenly ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: AZ
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: Other problem getting your report or credit score

Complaint:
about 2 months ago i requested my credit report and i haven't received anything.

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