BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX 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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX OF THE XXXX ORIGINAL CREDITOR : XXXX. 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: DISCOVER BANK
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 WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS XXXX AND DISCOVER LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY CREDIT TransUnion : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-07-17
Company: EQUIFAX, INC.
State: LA
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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MS
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
This is an email I sent to Kohl 's Manager, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXXyear-long Kohl 's account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my Kohl 's payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with Kohl 's. 

Surprisingly, Kohl 's didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with Kohl 's, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
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:
These are Inquiries that Im disputing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have reached out to each company and i was told to file a identity theft report and to call each bureau and notify them about the situation which Ive done already

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago, I noticed a collection account on my credit report from National Credit Systems representing a lease from an apartment complex that was not paid. I recently addressed this with the collection agency and they requested proof that this account was not mine. I supplied them with a police report, a identity theft report, a notorized affidavit, as well as a lease agreement of the place I was actually staying at the time of the alleged lease which they requested. I supplied them with all the information they requested from me and still they come back saying that this account was mine. 

At this point they are violating my rights and hurting my ability to obtain credit which is illegal because this lease was a result of identity theft which they are reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX I had a tree that damaged my house and taking out my power lines of the house. And damaged to my siding, roof. Gutter. On XX/XX/XXXX I hire an contractor to replace of my electrical panel system outside and inside. On XX/XX/XXXX I received the check from my insurance company in both my name and specialize loan services my mortgage company. I endorse the check and send on XX/XX/XXXX next day services. Specialized Loan Service received it on XX/XX/XXXX. I called on XX/XX/XXXX to see the process time because the contractor is requesting the payment because the job is completed. I was told on XX/XX/XXXX and XX/XX/XXXX. That check is mailed out XX/XX/XXXX. On XX/XX/XXXX I called again following up because the contractor is calling requesting the payment. The representative stated this time the payment check was sent on XX/XX/XXXX. I been in my property for 25 years. And am very disappointed on how I been treated and unfairly treated by Specialized Loan Service. 
Their are still more damaged to the property that I will need contractors to come and come complete before the winter come. I cant scheduled if Im receiving this kind of services from my mortgage company. My contact information is XXXX XXXX or XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
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:
After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report

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 2023-08-11
Company: Chime Financial Inc
State: AL
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:
On XX/XX/, at XXXXXXXX XXXX  there was a transaction in the amount of {$510.00} from XXXX. When I woke up and immediately saw the notification of the purchase, I called both XXXX and my bank Chime ( XXXXXXXX XXXX ) around XXXXXXXX XXXX that same day. XXXX said they did not see any transaction in that amount on my and my husband 's accounts and told me to contact my bank and dispute it. So I did and they cancel the card and was sending me a new card in the mail. I sent all of the emails from XXXX customer service reps that states there was no transaction done in their system and I sent emails of pictures of all my transactions in the month of XXXX from both accounts. The bank denied my dispute 8 times saying " no error occurred '' and while I keep dealing with disputing the charge, I received emails up to 4 times from Chime saying my debit card purchase was declined from XXXX in the amount of {$200.00} means someone is still trying to use the card. I'm going back and forth with both XXXX and Chime and I still don't have my money. I'm on my 9th dispute with Chime now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-08-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Prior to the date of this transaction that was XXXX at XXXX XXXX I received A phone call from the number XXXX and they told me they worked for Chase bank and they asked for my card number. A couple days after the phone call all these transactions happened I got robbed of all the money. They clearly made another card with my information to take my money after this person that said worked at Chase bank got my information.. Now realizing that Chase never calls you only sends notifications now realizing It was a scammer. I just got off the phone with a claim advisor and they told me that the transaction was chip to chip. I clearly got scammed by this caller. 
On the day of XX/XX/2023 I still had the position of my own debit card ending in XXXX. On the current date and time of all the transactions from the atm of XXXX XXXX and also this transaction of {$470.00} of jewel I was at XXXX XXXX  with my mom mom ( XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) from XXXX XXXX  to XXXX XXXX  waiting for my car to get finished serviced. I was waiting for them to put all XXXX new tires on. After I left XXXX XXXX I headed to XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) my car got taken in to get an alignment at XXXX XXXX  the car was then finished until XXXX XXXX. At the time I had no other car so I was patiently waiting for my car to be finished at the shops. 
I am a XXXX XXXX that lives with my parents and has to pay college loans. I as an XXXX XXXX XXXX would not spend {$470.00}. You can look prior to that my latest purchases at XXXX were nothing close to that the most was XXXX on XX/XX/2023. I also have a High School Checking Account and I should be able to take out all that money or even purchase all those permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX/Direct Express let XXXX XXXX  fraudsters between XX/XX/XXXX and XX/XX/XXXX steal over {$550000.00} from my Direct Express Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: HW Holding, Inc
State: IA
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:
Company started reporting on my credit profile. I sent validation and verification letter with in 30 days of them reporting. Have not received anything or a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: NM
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:
Synchrony Bank they do not respond to my requests tried to negotiate lower payment no answer. Balance keeps increasing do not have or use 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