BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ 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  ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 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. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2022-10-28
Company: EQUIFAX, INC.
State: TN
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accountslisted below to be removed because Accouring to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX {$440.00} Date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$12000.00} date open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NY
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 am submitting this CFPB complaint to formally dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : Payment Status : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX on time. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. Please investigate and correct the account : XXXX XXXX Balance : {$270.00}. I would appreciate the Credit Bureaus ' immediate attention to this matter, as it is of utmost importance to me. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.

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 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX, someone tried to file taxes using my name Bank of AmericaXXXX XXXX, XXXX someone opened a banking account in my name Unemployment Compensation of XXXX XXXX XXXXSomeone tried to open an unemployment claim in my name

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 2019-12-16
Company: Paypal Holdings, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Claim is for a debt of XXXX allegedly owed to Pay-Pal, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MO
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:
I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on XXXX and Equifax that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I enrolled in an interest-free credit card with Synchrony Bank XXXX XX/XX/XXXX for a three-year period for furniture purchases ( XXXX XXXX CO / SYNCHRONY BANK XXXX XXXX Despite the promotional interest-free designation, they charged me 30 % interest. I sent an email in XXXX alerting Synchrony to the issue and they agreed it was an error and claimed they would reverse the interest charges - I never saw the interest charges reversed. I checked the portal again in XXXX and saw that interest was continued to be charged at 30 %. I spent ~an hour on a virtual chat and despite numerous attempts was unable to have my claim escalated or receive notice that the appropriate parties were alerted.

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 monetary relief
Consumer complaint received 2017-12-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to National Credit System ( Account # : XXXX ), disputing the debt as they have been reporting this item on my credit, however this account was unauthorized and is a result of identity theft. 

They received the letter on XX/XX/XXXX. I concluded their receipt via USPS certified mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX ). It is now XX/XX/XXXX, 53 days since they have received the dispute letter and I have yet to receive a response from this company. 

This is an unfair practice as they have ignored my direct communication with them. They are reporting an item that I did n't authorize on my credit and this is preventing me from moving forward with credit purchases. 

Because of the nature of this item, I requested some type of proof of the original business transaction that binds me to this debt. This is well within my rights according to the Fair Credit Reporting Act. I have n't received anything, and the item is still reporting to me credit. 

Please hold this company accountable immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: PNC Bank N.A.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I opened a new checking account and savings account at PNC Bank. 

On XX/XX/2023, I initiated an online external transfer using PNC Online Banking to transfer {$1100.00} into the new checking account from my previous XXXX XXXX Checking account. The website showed that the account was set up and ready to go, and that I needed to add funds to the account. 

On XX/XX/2023, the {$1100.00} was withdrawn from/cleared my XXXX Checking Account. 

On XX/XX/2023, the remaining funds were withdrawn in-person at a XXXX XXXX location , and the accounts were closed. 

On XX/XX/2023, I was notified via email that the original {$1100.00} transfer to PNC had failed due to my new checking account being put on hold pending identification verification. 

I was informed by PNC customer service reps that external transfers could not be completed until the ID verification took place, which was not stated anywhere on the website. The representatives informed me the funds from the failed transfer were going to be returned to XXXX XXXX and I needed to work with XXXX Bank to resolve the issue. 

On XX/XX/2023, XXXX XXXX  confirmed the funds tried to return to the closed Chase account, but the bank did not accept this as the account was closed and automatically sent the funds back to PNC Bank on XX/XX/2023. XXXX XXXX  informed me I would have to work directly with PNC to get this resolved. 

On XX/XX/2023, I was assigned a case manager with PNC Bank and informed they would be doing an investigation that would take 10-15 business days to complete. I received no further updates. 

On XX/XX/XXXX, I called the PNC case manager who had not gotten back to me, and he informed me the investigation was not started because it was determined it was XXXX XXXX XXXX responsibility to figure this out. 

On XX/XX/XXXX, I spoke again with XXXX- who again stated this was out of their hands and no additional activity had been seen since they sent the money back to PNC on XX/XX/XXXX. They provided the trace ID for that. 

On XX/XX/XXXX, I got assigned a new case manager at PNC Bank and provided the trace ID for them to look into it. Sounded like it wasn't going to go anywhere, they were alluding that it was XXXX 's responsibility, again, but that they would look into it. 

As of XX/XX/XXXX, I have not heard back and have been unable to get ahold of the case manager.

It's now been over one month, and neither bank can find the money and it has never shown up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX 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 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have fallen behind on my one credit card bill due to my boyfriend passing away, time off work, getting a new job, and the excessive late fees for every payment. The bill collectors from Capital One call me MULTIPLE times a day, and usually within 10 minutes or less. They start at XXXX XXXX, and have been interrupting my life. Once at an appointment on XX/XX/XXXX, they called at least 5 times within an hour, interrupting my doctor. I've worked in a call center before and know numbers loop around, but every 10 minutes, give or take, is extreme harassment. Not to mention, they never leave a voice mail or say who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I contacted Trans Union to Dispute ( 2 ) collection on report. I advised them on several occasions that these accts do not belong to me and were a result of identity theft. They keep stating that the verified the info to be correct, however they are not showing me what documents are being used to verify the accounts. My identity was stolen therefore the person will have my info. I need to know the ID THEY USED, Verified bank account info, address etc. they havent sent any documentation to prove this. I need these removed from my report. They removed them before but they appeared again a few months ago. Please have them removed. 

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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.

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 2023-07-19
Company: Experian Information Solutions 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:
This is my 19th 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. 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 : 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 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 explanation
Consumer complaint received 2019-05-01
Company: TD BANK US HOLDING COMPANY
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 a credit card with NORDSTROM/TD BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and NORDSTROM/TD BANK  with no successful resolution. XXXX only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: KS
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:
I found this account opened in my name in XXXX, XXXX  closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, XXXX  is still reporting it on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX, NJ XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Unauthorized Credit Inquiries I RECENTLY RECEIVED A NOTICE THAT I WAS A VICTIM OF A DATA BREACH. 
I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form 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 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 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