BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
When i went to apply for a car XX/XX/2021 the company told me that they were only gone run my credit for one place and they ran it for numerous of loan places which caused my credit to go down badly.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

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 2021-01-18
Company: Bread Financial 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: Account status incorrect

Complaint:
I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX  balance. But as you will see in the documentation they went ahead and XXXX  out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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  Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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 XXXX 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Citi Bank Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called Citi customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.

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 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Upon checking my credit report in XXXX, I saw that there was a negative item indicating that I failed to pay {$1000.00} to XXXX Bank XXXX XXXX XXXX XXXX XXXX. I filed a dispute and on approximately XX/XX/XXXX, I received a letter from Potfolio Recovery Associates, LLC. They stated that they had investigated the dispute and based on certain documents that were attached, established the validity of the debt. The documents they attached were a copy of a bill from XXXX XXXX XXXX dated XX/XX/XXXX and a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I had never seen these documents before and in fact, they are addressed to my name but sent to an address to which I have no connection and have never used. So they make a decision that it is me based on a bill and a letter sent to an address that has never been mine. The address is not on my credit report. I have never requested credit from XXXX XXXX XXXX so this is either identity theft or just someone with my same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was forced to sell my Home as I was so far behind. Started with XXXX  XXXX XXXX. XXXX and I refinanced home in XX/XX/XXXX, and in XXXX he passed away. 
XXXX  XXXX XXXX refinance my mortgage with out me knowing. Constantly asking for modifications on Home. Mortgage then sold to Nationstar for a short period of time. The passed over the Mr. Cooper of whom was paid off when house was sold. 
I owed in XXXX XXXX when husband passed. Suddenly up to XXXX in XXXX. Then sold to Nationstar. I alerted Nationstar of this but no answers. Then passed into Mr. Coopers hands, also alerting them. All the information on the refianance is Fraudulent. 
Using my Husband 's social security income, My XXXX from his death. 5 years after his death. I am appauled. I have many documents to support this accusation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The date of the occurrence is XX/XX/22 the amount is {$100.00}. I used CashApp to send money to someone, I sent it to the wrong person. I contacted CashApp through the apps customer service as instructed and was told that since the transaction was completed that they could not issue a refund and to contact the person I sent it to or request a refund through the app. Upon doing so, I was told the person I sent it to had an outstanding balance with the apps borrow feature and once sent my money was automatically applied to that balance. I contacted CashApp customer service and after numerous attempts because I was hung up on several times because supposedly my account could not be found, I was told that my money was gone and that the person I sent it to should either pay off the outstanding balance and then borrow the money back to pay my money back or pay my money back personally. I asked if the person the money was sent to receiving money that was not intended for them violated the companys policy how could my money not be returned to me? I also asked why is my money being used to pay off someone elses debt owed to that company? And if all available funds in the receivers account will be used towards the outstanding balance, why is it the smaller amount that I sent to the receiver, intentionally, was not taken as well? My questions were not answered and I was disconnected each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was staying in an extended stay hotel in XXXX XXXX  called the XXXX XXXX  On XX/XX/XXXX I went to the office to pay my rent and was told by the manager she couldn't take it because they were waiting on the health department. Then later that day I get a text from the manager of the hotel saying that we have to move and be out by noon on the fourth as they are going to remodel. So we were out on the fourth of XXXX. Then on the fifth of XXXX I check my bank balance and there were XXXX charges I didn't have any knowledge of total was {$640.00} I called my bank to find out that XXXX XXXX XXXX had charged my debit card they had on file for those charges of {$640.00} and I had no knowledge they were doing it what it was for or my approval as we was already gone. I called my bank PNC to report fraud and they were the ones that said the charges were from XXXXXXXX XXXX XXXX. I explained the deal to the customer service representative to be told it's obviously fraud and they issued my a temporary credit. Well I get a letter today XX/XX/XXXX from PNC bank saying their investigation said no error occured and they are taking out the {$640.00} out of my bank account on XX/XX/XXXX. I don't know how they can come up with that determination when I was already out of the hotel didn't owe any bank rent and didn't have no knowledge they were taking out that money or what it was for and I sure didn't give them authority to do it they did it all on their own using my debit card they had on file this is so wrong and very stressful I am on limited income and don't have the money to give to XXXX XXXX XXXX and not even knowing what it's for so wrong or having my authorization to do it talk about fraud big time and I have filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Comenity Capital Bank, doing business under the name " Bread Savings '' or " Bread Financial '' is not posting the correct amount of interest to my Certificate of Deposit. I opened a XXXX CD on XX/XX/2022, with a deposit of {$100000.00}. As a certificate of deposit, the interest should compound, such that periodic interest payments are added to the principal and subsequent interest is calculated on the new, higher principal balance. Consequently, the interest amount posted to my account should be increasing by the month. But XXXX is not compounding my interest. Instead, the monthly interest actually drops some months. Specifically, the interest posted at the end of XXXX, XXXX, XXXX, XXXX and XX/XX/2022, respectively, was {$200.00}, {$210.00}, {$200.00}, {$210.00}, and {$200.00}. So the interest posted in XXXX interest was lower than XXXX, XXXX, and even XXXX! I am earning less on this deceptive, falsely-advertised deposit product than I would be in a properly-compounding liquid savings account with the same rate. 

I called XXXX to point out this banking error. The customer service representative could not discern the obvious lack of compounding, and said someone else would research it. XXXX has still not corrected the interest on my account. This XXXX CD  is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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 status incorrect

Complaint:
I have made the payment but it did not show on my account. I have A {$0.00}. Balance when I go and log into my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filed several disputes with the transunion and XXXX  about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and Transunion by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.

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 2023-01-16
Company: EQUIFAX, INC.
State: NC
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I LOST MY BANK CARD AND SOME OTHER PERSONAL INFORMATION DURING THE WEEK OF XX/XX/2019. I DID NOT REALIZE THAT MY BANK CARD COULD POSSIBLY BE MISSING UNTIL I RECEIVED A TEXT THE EVENING XX/XX/2019 ABOUT A {$700.00} WITHDRAWAL WHICH I TEXTED BACK NO. I TRIED TO LOG ON TO MY CHASE ACCOUNT FROM MY PHONE AND WAS LOCKED OUT. I BEGIN TO RECEIVE EMAILS LATE NIGHT AND TRIED TO CALL BUT IT WAS TOO LATE TO CONTACT SOMEONE FROM CHASE WHICH I EVENTUALLY DID EARLY THE NEXT MORNING. THE LADY TOLD ME TO COME INTO THE BANK WITH MY ID AND SS CARD AND BIRTH CERTIFICATE WITH MY PARENTS AND I DID. THEY TOLD ME THAT MY ACCOUNT WAS RESTRICTED AND WILL BE CLOSED IN 10 DAYS BECAUSE OF TRANSACTIONS THAT HAPPENED ON MY ACCOUNT THE PERSON DEPOSITED CHECKS FROM THE ATM AND WITHDREW MONEY THEY SAID USING MY PIN NUMBER. THE PERSON ALSO WENT TO THE WINDOW AND WITHDREW MONEY. I WAS NEVER EVER ABLE TO LOG INTO MY ACCOUNT AGAIN ONLINE. MY FATHER WAS ABLE TO LOG ONTO HIS ACCOUNT AND LOOK AT MY HS CHECKING ACCOUNT AND SAW WHAT TRANSPIRED. I HAVE NEVER DEPOSITED ANY CHECKS INTO MY ACCOUNT OR EVER WENT TO ANY WINDOW TO WITHDRAW ANYTHING FROM MY ACCOUNT. THE ACCOUNT WAS OPENED SO I CAN RECEIVE MY SOCIAL SECURITY BENEFITS. MY MOM CALLED ON XX/XX/2019 TO DISPUTE WHAT HAPPENED AND TO HELP ME PUT A CLAIM ON MY ACCOUNT. THEY PUT THE CLAIM ON THE ACCOUNT FOR THE ATM WITHDRAWALS. THEY DID NOT PUT A CLAIM FOR WHAT WAS SITHDRAWN AT THE WINDOW. I NEVER HEARD ANY RESULTS FROM THE CLAIM. MY SOCIAL SECURITY CHECK WAS DEPOSITED IN THE CHASE ACCOUNT ON XX/XX/2019. THEY KEPT THE SOCIAL SECURITY CHECK AND SENT A BILL DUE OF {$13.00} AND SAID THE ACCOUNT WAS CLOSED AND CHASE WILL NO LONGER DO BUSINESS WITH ME. MY DAD TOOK ME IN THE BANK AND PAID THE {$13.00} AND WE STILL HAVE NOT HEARD ANYTHING ABOUT THE RESULTS FOR ANY INVESTIGATION. WHAT I CAN TELL YOU IS THAT THE WITHDRAWAL SLIP MY NAME WAS SPELLED WRONG AND THIS HAPPENED AT A BANK IN NEW JERSEY IVE NEVER BEEN TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/2023 to XXXX, Transunion and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2023-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately.

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 



If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

Company response to consumer: Closed with explanation