BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me XXXX letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: First Financial Credit, Inc
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
When I took out my loan last year I told them I did not want any insurance on the loan well months later when i looked at my papers i seen where i had all the insurances they offer and an auto insurance also i phoned office was told i did not have insurance on my loan i told them it was on my paperwork so they told me to bring it in ... .so i work over 40+hours out if town its hard to get time to go in so when i finally took a day off to go in today they had me sign a paper that says I wanted to drop life and disability and told me come back next week sometime they would have me a check ready then so when I left I took paper to my girlfriend she ask about auto club as it was not on the paper the paper was also dated for that day instead of being backdated to my loan date I have been given the run around for like 6 months now on this issue I talked to supervisor today told me that she was called about dropping insurance on a loan but that the office didn't say anything about dropping the auto which she found out hadn't been dropped at all so I inquired about other insurance like person property she told me I had to have that and I know by law I dont have to so she wouldnt drop the property insurance at all. So supervisor called me back said they were gon na send me check in the mail for the ones they dropped sometime next week. I dont know why this has been such a hassle and I have been lied to so many times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-03
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX ( XXXX  ) is not in compliance with Metro2 Reporting. XXXX is reporting 30-60 day late payments for XXXX, XXXX, XXXX and XX/XX/XXXX which is not correct information. XXXX is also not reporting the correct address. The address ID associated with this account is not mine. I was never notified by mail by XXXX that they will be reporting negative payments on my payment history perusant to FCRA section 623. Experian is also not reporting a coplete account hisroty for this account. A lot of data is missing and/or incomplete in the Account History section. Persuant to FCRA 611 and 623 a consumer report must be complete and accurate. 

Experian is also not reporting correct payment history for my XXXX XXXX account. This account was opened XX/XX/XXXX and my payment history does not begin until XX/XX/XXXX. I am missing a entire year of on time payment history which is not fair, accurate and a violation of my consumer rights. Experian is also reporting an inaccurate XX/XX/XXXX late payment with this account. I take pride in paying my bills on time and these inaccuracies is embarrassing and a defamation of my character.

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 2022-09-07
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've asked CBE group out of XXXX NC to stop calling me regarding a erroneous debt from Charter Communications. They call multiple times per day and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Applied Data Finance, LLC
State: FL
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:
To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello. 

I am seeking to close my TD Bank VISA credit card and unable to do so. The card is in good order, with a XXXX balance. 

To close the account, I am required to contact a phone representative at TD Bank Card Services and make the request. I've been trying to reach a rep twice a day, everyday for over a week, and unfortunately, no go. I'm always put on hold for about an hour each time before I give up and disconnect. 

I reached a service rep at a local TD Bank branch, and she confirmed that branches have no authority to close TD credit cards. If I were to come to the branch, she could call Card Services on my behalf ( and only with my physical presence at her location ), but she has neither special access nor higher priority, even as a TD Bank employee. She discouraged me from coming to her branch. 

Also, another problem has emerged... I am unable to access my online account at tdcardservices.com. When logging on, the website requires me to enter a passcode usually sent by email or text. Unfortunately, the passcode never arrives, and I remain in login purgatory, unable to complete the login process. ( I've tried multiple times already. ) In summary, I'm unable to reach any TD credit card rep, and I'm essentially locked out my account. I'm nervous about being cut off from any access or assistance. I just want to close this card, so that I never to have to deal with TD Bank ever again. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a letter in the mail stating, " ... the nature of your request... was illegible ''.

Obviously, this is impossible, since the complaint was transmitted through CFOB electronically.

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 2021-02-16
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt multiple times and RECEIVABLE MANAGEMENT SERVICES LLC has never responded in any way. They have however verified the accounts to the credit bureaus. This is a direct violation of the FDCPA! Reporting an unverified and disputed debt is a violation of the FCRA. I shouldn't have to work this hard to get a correction made to a very inaccurate account! PLEASE HELP ME!

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 2017-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to obtain the substantiating documentation to support that the alleged debt Portfolio Recovery is reporting on my credit profile and my requests have been ignored. I have disputed this account with the credit bureaus and Portfolio Recovery and they continue to report the account as accurate. I have not had an account with XXXX XXXX in the past so my request again is for this company to supply all legal documentation related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
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: Account status incorrect

Complaint:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately 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 2022-09-07
Company: FEDChex Recovery, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is with FCR Services, which is being used to collect a debt I owe to XXXX XXXX. I rented a vehicle with XXXX on XX/XX/22 - XX/XX/22. After returning the vehicle, I had a small balance owed of {$41.00} for gas refilling. I was unable to pay this right away, and was planning to pay within a couple weeks. However, XXXX sent my account to Collections on XX/XX/22 - not even 10 days after I returned the vehicle! And now, FCR is charging me an additional {$50.00} in collection fees, for a total of {$91.00}. Everything about this screams unfair and abusive. The fees are more than the original balance owed, and XXXX did not give me nearly enough time to settle my debt with them before sending me to collections, causing possible harm to my credit report and putting an unjust financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
either pnc credit card remove my email address or close the account. how manny more times need i repeat this? i am not a compliant robot. get a robot not me if pnc wont take out my email address. no text. no email. everything by paper and by call. all calls recorded. dont like it get another custommer. write a response now by paper. 

Pnc keeps emailing XXXX but pnc has been repeatedly told to delete this email address because it is not working and unwanted. 
If pnc wants to deal with a compliant robot let pnc get another customer or maybe some sucker in a third world country. Remove this email address. Only send statements by usps mail. I have no cell. If pnc requires a cell close this account. I can not buy a cell and wont. 
Let pnc get another customer. I am a noncompliant customer. Want a robot pnc? Get someone else., take this email address out now. 


Your PNC credit card statement ending in XXXX is available. 
Credit Card ... XXXX Statement Date : XX/XX/XXXX Sign on to Online Banking at pnc.com to view your statement. 
Thank you for banking with PNC Bank. 
This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Credit Card Customer Service, please call XXXX ; 24 hours a day, 7 days a week. For Business Credit Card Customer Service, please call XXXX ; Monday through Friday XXXX to XXXX ET, Saturday & Sunday XXXX to XXXX ET. 
Visit pnc.com to view our privacy and security policies. 

XXXX The PNC Financial Services Group , Inc. All rights reserved. : : ( N )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX 2017. 

In view of the XXXX problem, I tried to use all the three ( XXXX XXXX and TransUnion ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.

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 2022-05-27
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX received email from PayPal re : purchase of crypto currency and then XXXX banking accounts were compromised when I called the number on the email. Started receiving multiple phone calls and requests for gift cards to reduce debt XXXX dont have a Papal account but was given verification XXXX and the name XXXX XXXX XXXX XXXX PayPal Id # XXXX was the scammer who continued to call and aggressively direct me to purchase gift cards to lower my debt. This went on for 2 days until I blocked the calls and notified my bank. Money had already been taken out of my savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made an international money order from my Chase bank to pay a provider in XXXX, the case is that by mistake the dollars were sent to a wrong provider, instead of sending the money order to the correct provider, I already tried to talk to the provider that he received our dollars by mistake but unfortunately he does not respond, much less show his face so that we can clarify this situation, the reason for my request is to ask for your support to intercede for us to help us return the dollars from XXXX to the United States, this in order to correctly send the funds to the provider that should have been sent the money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES

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 2022-09-07
Company: EQUIFAX, 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:
Filed a police report XXXX XXXX XXXX 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 XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation