BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below including the wrong address in which I do not reside. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. 

Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Account : 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 credit report is showing late payments on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 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 customer service representative.

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 2023-04-25
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today, XX/XX/19, I received a letter in the mail stating that I had been sued and judgment had occurred. Not to mention stating that I will be arrested and incarcerated if I do not fill out the information subpoena. From what I understand, the law firm of Presser, Felt & Warshaw, formerly known as Pressler & Pressler, prefer to use unfair tactics when it comes to debt collections. No summons was received neither from them nor the court. Not by regular mail or certified mail either. No communication from their side, even if you call, you're placed on hold and then hung up on. You can't attend a hearing if you are unaware it is taking place, nor can you come up with a payment plan if the other party is unwilling to corporate and have proper communication. I have worked with other debt collector law firms, worked out payment plans, so I'm aware of my rights as a consumer and as someone in debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Square Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 Cash App blocked my old debit card from being used without my permission. Not knowing this at this date and time, a {$20.00} cash transfer was loaded unto my card. The original card was lost and i asked for a replacement. Cash App sent a placement card and never loaded the {$20.00} and gave me an old card Cash Tag App name of XXXX XXXX it should had been XXXX  XXXX XXXX. 
The Cash App help team has access to the replacements cards and has emailed more than several times denying to return the {$20.00} to the owner or forward it back to me. 
Mr. XXXX XXXX is the CEO of the prepaid money transfer entity in XXXX XXXX, CA at XXXX XXXX XXXX XXXX XXXX XXXX The organization also goes by the name Square Cash Please help me get my {$20.00} from this origanzation ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello went to court for XXXX  XXXX where I was XXXX  and my XXXX I changed my name and to protect myself from my abuses. My first last and middle name was changed. my social security number and birthday stayed the same. My new name was added to public record by a person without authorization. I went to use my new credentials and they were added to my old name with out my permission. My phones and emails and banking was compromised in the past by my XXXX. this is how he would locate me. A person in the banking institution at his request put me social in and she added my new name to a database as an extension of his abuse. In the past her put me in a position where I could not live independent upon him. He damaged my privileges with every credit institution I can think of. Now this institution have my new name attached to old records which I didn't authorize please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2019, a collection account from Allied Business Services has appeared on my XXXX  credit report for {$110.00} I have NO knowledge of this bill or what it is owed for or from when or what services were provided. A certified letter # XXXX XXXX XXXX XXXX XXXX was sent to the above-mentioned business requesting VALIDATION of the account to include the above mention factors and asking the above mention business and another certified letter to XXXX  # XXXX XXXX XXXX XXXX XXXX requesting to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: AL
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:
I have sent numerours letters to the bureaus and usually there is no response. I did receive something stating that items were verified. I have sent another letter like the burueas asked me to do to get this inaccurate information off of my report. I also wanted to know how this information was verified because none of the creditors were able to furnish me with the information. It seems if I owe a debt they would send me proof but for some reason they don't have it. I would like this negative information remove from my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An credit card application was open in my name for the company listed below JPMCB CARD, XXXX XXXX XXXX, XXXX, phone number ( XXXX ) XXXX on line, on the XXXX of XXXX and again on the XXXX of XXXX. I've called the company and reported the application for the XXXX of XXXX as fraud. I haven't been able to report the application for the XXXX of XXXX as of yet due to the fact I received the notice late in the day and the company is already closed. However, I didn't do the credit card application on the XXXX or the XXXX of XXXX. They said they would cancel the application and the inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Saw a fraudulent hard inquiry and contacted the company XXXX XXXX  ). I was told they would send a dispute letter which they have not. I'm trying to dispute the hard inquiry.

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 2019-09-23
Company: EQUIFAX, INC.
State: UT
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:
Equifax is still reporting an account that was opened due to fraud. XXXX has received the police report information and you all continue to verify and report and this fraudulent account. Immediate removal of this account off my credit report is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I was trying to redeem my rewards for my Bank of America credit cards ( Premium Rewards ) and ( Travel Rewards Card ). I was unable to redeem them. I called customer service and they told me that my accounts ( credit cards ) were closed.. It is unfair for Bank Of America to close my accounts for no reason... I made valid purchases to EARN those points and they straight up hijacked and stole them.. All balances were always paid in full. 

If you could please help me redeem the points that I worked hard to earn that would be greatly appreciated! Thank you!

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 2021-12-16
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment ( with consent of my spouse ) of {$1000.00} on XX/XX/2021 as per the XXXX XXXX generated by US Bank. The checking account used for making the payment is in my Spouse 's name. XXXX allowed me to payment without prompting any warning and/or error during the payment process. Also, system allowed me to add my spouse 's account as External account for making payment. 

All of a sudden now, US Bank decided to close my account and forfeit all the Rewards due ( {$500.00} promotional offer after spending {$3000.00} in 90 days ) since only cardholder 's checking account can be used as per Authentication department of US Bank. 

This is not acceptable - my spouse is not contesting the payment then why US Bank is having an issue. I use my spouse 's account for making payment for my other credit card like XXXX- they never raise an issue.

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 2023-07-14
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I file a Dispute 42 charges I found on my prepaid child support debit card one of them was for a {$170.00} and 1 of them was for {$71.00} and after waiting the a lot of time I received a letter that I received a permanent credit sighting in my favor but it was for the wrong amount it was only XXXX when I called the bank to talk to them about this they said that they thought the merchant had already issued a credit to me in which I replied to them that the merchant issued a credit for a completely separate transaction where I had returned merchandise and it had nothing to do with the charges that I had disputed they said they were gon na escalate it up to the dispute team to get it corrected and that I had to wait 5 days after 5 days I contacted them again I was told that they did it wrong and that they were sending it up again and that happened over and over again 4 times I was told it was escalated and that I need to wait 5 days. No resolution still

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 2023-06-08
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX of 2005, we took out a Line of Credit for XXXX. Later that year we refinanced our First. XXXX was supposed to pay off the Line of Credit. Now 18 years later, we find out the Line of Credit was never paid off by XXXX. Now, the company holding the Line of Credit loan wants {$170000.00}. We have not heard from this company in 18 years. We have never made a payment to this company, since we thought it was paid off. 

We live in CA, our house in worth approximately {$500000.00}. Our First is {$160000.00}. We are current on our First. Now that this company found out we have so much equity in our house they are threatening Foreclosure. The Company that holds the note is Real Time Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: UT
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:
Equifax continues to report XXXX XXXX accounts that were closed due to fraud and should have been removed from my credit report. Instead they continue to verify fraudulent balances and accounts that should have been removed as the information is not 100 % complete or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account with PNC Financial Services Group ( acquired XXXX XXXX, RBC ). I am writing to make formal complaints against the PNC Financial Services Group. 
<br><br><br> <br><br><br> <br><br><br> PNC 's security system was NOT just imperfect as RBC stated but had OBVIOUS flaws, and your security flag was totally a false alarm. It was wrongly flagged from a check deposit ( I did deposit my husband 's checks five years in a row ( with his authorization and signature -- suggested by former RBC 's agents, a normal behavior ). So, it's NOT something new this time -- a NORMAL behavior. Most importantly, his check was cleared just fine and deposited successfully. And PNC 's investigation also showed that there was NO issue involved, whatsoever. 
<br><br><br> <br><br><br> <br><br><br> Furthermore, all other deductions/scheduled payments were also processed fine in my account at the same time. How could PNC have just " selectively '' canceled and deleted that scheduled, important, and critical payment ( to the City of XXXX XXXX every year for the past XXXX  years in a row -- NOT something new, and NOT to mention that this payment was scheduled/set up BEFORE your security flag ), totally without warning and any of my knowledge?? ( Additionally, PNC wrongly blocked/took away my access!! ) Therefore, it was PNC 's system flaws/system fault to have caused my late payment and a penalty of {$230.00} from the City of XXXX XXXX . NO excuses in ANY circumstances, whatsoever! 
<br><br><br> <br><br><br> <br><br><br> Given all of the above, PNC should definitely be responsible and held accountable. The facts are more than clear, undeniable, and undisputable! Other banks would NEVER have deleted. PNC Financial Services Group ( former XXXX XXXX XXXX has NO excuses under ANY circumstances, period!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Scott Fetzer Financial Group 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: Was not notified of investigation status or results

Complaint:
I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
XXXXXXXX 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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a loyal member of Capital One credit cards for around 12 years. Over the past decade I've never missed a payment and have maintained near perfect XXXX. Both my personal line and business accounts have extensive credit lines. 

A few months ago I opened a new account to manage my real estate rentals. Capital One offered a very small credit line for this account. Recently, a utility company tried to collect payment and attempted to charge the card several times but since I was just shy of the available credit on the card the charge repeatedly did not go through, but rather was flagged as returned payments. 

Without notice or warning, and after a dozen years of flawless credit history, Capital One abruptly canceled all four of my credit cards, closed my accounts and kept my rewards points that I had accumulated. 

I called and spoke to two different managers today and both were sympathetic and apologetic but said they could not do anything to help. I was shocked, appalled, outraged, and confused all at the same time. I'm assuming this was a flawed computer algorithm that canceled my accounts due to 'returned payments red flags ' and thus avoided the common decency of contacting me ( via call, text or email ) to indicate there was an issues prior to taking such drastic measures. I can understand if a machine determines I am high risk for some odd reason but can not believe they removed the entire human element out of the equation and left no option for resource in its wake. 

I have strong credit and plenty of liquidty to service my debt, yet now it appears I'm going to suffer the credit wrath of four closed simultaneous accounts, two of them are sizable and have significant history behind them. This seems beyond ridiculous.

Company response to consumer: Closed with monetary relief