BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE : {$100.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX BALANCE : {$2200.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE XXXX {$64.00} 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 MD XXXX XXXX XXXX  BALANCE : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCE 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
DEPT OF EDUCATIONXXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, XXXX and transunion. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

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 2023-04-15
Company: PNC Bank N.A.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The interest on the loan isn't correct the interest rate is 3.14 % the original loan was {$27000.00}. The due day is normally around thr XXXX of each month I am making early payments.For example on Date. Principal. interest. Total XX/XX/XXXX. {$400.00}. {$60.00}. {$460.00} XX/XX/XXXX. {$400.00}. {$48.00} {$450.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$410.00}. {$56.00}. {$470.00} XX/XX/XXXX. {$420.00}. {$44.00}. {$470.00} XX/XX/XXXX. {$400.00}. {$50.00}. {$450.00} XX/XX/XXXX. {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
close to End of XXXX of XXXX I asked the details about the process at Lexington Law Firm... just as they advertised on the phone that it takes 90 day to get things removed. said they are 100 % sure they can take care of this for me. I informed them i need this done in 6 months during that time frame I fixed my one of my reporting on my own i informed them and they asked me to send the paperwork to them. Next thing you know i get an email saying THEY had success removing an item of my credit report. and listed the one I sent to them in the first place. I paid {$120.00} per month for 6 months straight with ZERO Success on their part. All lies. I than read the review, it was 3.2 on XXXX. i spent money on and expecting ANY type of results which I never got. I disputed the item in XXXX and they reached out to give me one month free RE Explained the process to me, which by the way was totally different they what they first told me. At this point I was just fed up. I have went back and forth with them never being able to talk to an ACTUAL ATTORNEY. instead the paralegal who have no idea what they were doing. Now my bank says its past the 90 day so they refuse to help me and thus why I am reaching out for help. I spent {$770.00} not including XXXX ( free month ). My credit score is still the same, no changes. i have attached the reports showing XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - its still the same. ZERO CHANGES. I work hard for my money and I had been so let down by a company who I was not even allow to talk to an actual attorney. I was so let down by them and taken advantage by. I don't know what more I am capable of doing to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This Problem Goes back to a credit card with Chase Bank dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card.

Chase has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim Chase collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. Chase loves to sell the insurance polices back in the day and if you really do some home work Chase Bank has really hurt many people financially with these insurance policy. Chase sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to  insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, Chase was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn Chase and myself. The agreement would state that once received the money for the judgement frim J. P Morgan Chase Bank. that all the trade Lines ( credit lines ( XXXX, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against Chase Bank.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from Chase Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that Chase. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with Chase Bank discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. Chase Bank just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Convergent Resources, Inc.
State: MO
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 a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.

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 2017-12-18
Company: BARCLAYS BANK DELAWARE
State: KS
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:
I was contacted by XXXX XXXX XXXX collection agency. Said agency made numerous violations of the Fair Debt Collections Practices Act, TCPA, and Fair Credit Reporting Act. I subsequently entered into a settlement agreement in which I agreed not to file suit for violations of said Federal Statutes as well my rights under the Kansas Consumer Protection Act they agreed that XXXX XXXX would remove any and all credit reporting for a lump sum payment. Said payment was made on my part over a year ago and they continue to report to my credit bureau as a charge-off account despite the agreement made by their collection agency in agreement for me not to file a civil action against both the collection agency and XXXX XXXX. 
Said actions are in direction violations of state statutes K.S.A. 50-623, K.S.A. 21-6503 and federal statues 18 U.S.C. 1030, 15 U.S.C. 1692e.

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 2023-10-22
Company: U.S. BANCORP
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I placed a security deposit of {$300.00} as collateral for a secured credit card. US Bank closed my credit card AFTER I had paid the credit card balance in full. While I am not concerned with the closure, I have never received the security deposit US Bank held. I have sent multiple requests to US Bank, including the proper address to return the deposits funds to. However, after apx 1 year, I still have not received a response from the bank or the funds that should have been returned. 

I am requesting that US Bank return my full security deposit plus any applicable interest to the following address ( same as on file ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah 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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
This is to inform you that CAPITAL ONE unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2021-02-25
Company: AXOS FINANCIAL, INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed an investment account on XX/XX/2021. There was {$3100.00} in the account at the time of closure. As of today, XX/XX/2021, this money has still not been transferred to my bank account. I have asked the bank about it twice, and both times they have said they are working on an ACH transfer, but there is no reason I can think of why that would take more than a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: KS
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:
My XXXX credit report continues to show 2 missed payments for the months of XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to XXXX not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor XXXX has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to XXXX for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX
XXXX XXXX 
Inbox
Dear XXXX. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, 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 2020-10-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/20, I had someone wire money out of our XXXX XXXX account to a bank account at Chime Bank. I've opened a fraud case with XXXX XXXX, and also reached out to Chime to try and figure out what happened. They had someone open a checking account under my name and withdraw funds as soon as the wires come in. I've tried multiple times to get ahold of Chime 's Fraud department to discuss the situation, figure out how the account was opened in the first place without my knowledge, and then close the account, but I've been unable to get ahold of them. Every time I called customer service, they would respond with " Fraud department representative will get in touch with you in the next 24 hours '', but they never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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 requested accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX to be removed from my Equifax report. I sent letters in XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX certified mail. I have no knowledge of these accounts. I requested these accounts be validated, and proof of validation sent to me. I did not receive any validation of these accounts or any letter of investigation in 30 - 45 days. I finally received 2 reply letters stating the accounts were verified/validated. Credit File date : XXXX XXXX, XXXX, Confirmation # XXXX & XXXX File date : XXXX XXXX, XXXX, Confirmation # XXXX. I did not received any proof of validation with these letters as requested. 

I recently received another letter stating the accounts were verified/validated, with no proof of validation with this letter as requested also. XXXX XXXX date : XXXX XXXX, XXXX, Confirmation # XXXX. 

I have a XXXX XXXX on my Equifax credit report and my personal information was compromised also as a part of the recent Equifax Breach situation a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PNC is reporting incorrect information to XXXX. My report shows the wrong closure date, phone numbers that are not associated with me, previous account status as being overdrawn and driver 's license ID that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also 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 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 2022-02-04
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date

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 2021-09-07
Company: EQUIFAX, INC.
State: NY
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 numerous letters and tried to resolve this issue. I demand this account be deleted immediately. I am in litigation and by law this agency must delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For the pass 2 years dated back in XX/XX/2015 i closed out my XXXX XXXX account due to financial hardship but unfortunately XXXX XXXX and the collection company won't delete it off my credit report. At the time i had just got laid off from my job and i truly wanted to keep up with the payments so that's why i had to closed the account. All i would like is for them to delete and remove the negative remarks off all of my reports.

Company response to consumer: Closed with explanation