BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Wednesday, XX/XX/XXXX I noticed that two payments had been taken out of my checking account by PNC Bank. I had only paid and submitted one payment with confirmation number. I called the PNC offices on Wednesday morning talked to one individual who said theyd put the money back in my checking account. They took the routing and check account number and she put me on hold. The total call was 58 minutes I was on hold for 45 minutes. While I waited about 30 minutes I called on my cell phone and another individual answered I told them I had been on hold for 45 minutes and I was done that I wanted to have this handled. 

This one at least explained something about a computer glitch where multiple people had multiple payments taken out. I was lucky apparently to just have two so she took the numbers and assured me the money would be put back in my account by Thursday morning. 

It is now Friday and no money. So I called again today- she informs me that the worker didnt hit the button to push it through. She does and tells me the money wont be in my account until the XXXX of XXXX. Which is unacceptable given their mistake and that it is a week before I get my money returned. Therefore making my accounts overdrawn, due to having other expenses already taken out and not budgeting for two car payments. I believe they are a complete fraud and have no intentions of returning the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
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:
Incident happened from first time 26 years ago when TransUnion credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including TransUnion, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime TransUnion report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.

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 2021-11-19
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was called by a chase bank representative on XX/XX/2019 at XXXX. This representative had given me a call to notify me of some fraudulent charges that were trying to be made, with that, they wanted to verify my account information so that they can close the account and issue a new debit card. So with that information being given from the representative, I assumed this would be safe also with the number not showing up as scam. So we proceed and I give the person my information needed to access the account, they said a verification text will be coming to me and to repeat the verification code, sure enough I got the code and gave to them, things still sound good. Then after about 30min being on the phone, they gave me two confirmation numbers to use to reference this call and that my account is closed and card will no longer be active and will be sent another card within 10 business days. All fine and dandy, til I never heard back from chase after the 10 days, I actually called within 5 days to  check in. Sure enough the chase representative says there was no call regarding this activity and that my account was still active and card was still active. Right away I knew this was a fraudulent/scam call and they got into my account and transferred {$1200.00} using quickpay to XXXX. I never signed up for quickpay nor did any transactions ever with XXXX. So Chase 's claim department denied the claim and I'm at loss of {$1200.00} to someone I have no idea who it is. Chase 's claim department says since my account was compromised and that I gave them my info, they can't do anything about it. This is total bs, I surely wish I knew, but when the scammer calls acting like a chase representative, knowing exactly what questions to ask and verifying them, why wouldn't I give them my info. If this is the case with all calls, then everyone would be a victim. In which I researched and sure enough this has been an ongoing fraud or scam going around, and chase chooses not to do anything about it. So i'm looking for help, my account is in the negative now because of this, many insufficient charge fees, etc. I've changed all pw, used virus scans, etc. and finally got back access to my online account and need this fraudulent transfer resolved. I'm now suffering because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am a victim of Identity theft, XXXX XXXX, and XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately.

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 2021-11-19
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having problems submitting reports online and through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX BANK 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 2022-10-28
Company: Experian Information Solutions 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:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX reported XX/XX/2018 for the amount of XXXX to be removed for their violation of my HIPAA rights. I never signed a HIPAA form authorizing them to access my records, yet they have obtained my social security number and other personal information without my permission. 

I have contacted the credit bureaus and XXXX XXXX XXXX to remove this multiple times since XX/XX/XXXX and all last year even sent in a letter to remove this false report still no actions have been taken. 
I am requesting that you remove all traces of my information from their system and investigate this matter further. Thank you for your time and attention to this matter. 

Sincerely, [ 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 2021-04-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
RE : VISA : Southwest Rapid Reward credit card. Charge Date : XX/XX/2020 {$1200.00}. 

The credit card company did not respond to my secure on-line messages about complaint re : charges. During the start of Pandemic era in XX/XX/2020, it was not practically possible to reach the credit card 's customer service by phone due to prolonged delay in getting phone answered. When I was able to reach them after a few weeks, credit card company told me to raise the issue with the companies who charged my credit card. The said companies were not co-operative and dragged matters. 

When my efforts with the charging companies failed, I requested the credit card company to retract the payment in my favor and resolve the dispute. The credit card company failed to do anything, and delayed all matters. AND did nothing to resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the to ignore the law is going on six ( 6 ) months. TransUnion on going of reporting illegal information of a Bankruptcy on my TransUnion Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). TransUnion has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). TransUnion is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. TransUnion has ignored and disregarded my dispute of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting. 

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.

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 2022-12-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I stated banking with Wells Fargo early XXXX and this year XXXX was closed by them due to over draft payment. Also they wanted to charge me each month a fee of {$10.00} for banking with them when I signed up I had a promotion if I swipe my card 10 times my account was going to be free. Now I am unable to look at my statement for any documents through them. My Account has been closed. This past two years Ive been having a lot of issues with them. Ive been charge fee multiple times.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted XXXX. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. XXXX deemed they had not enough proof of if identity and shut it down. This was removed from my transunion and XXXX reports. For some reason I'm getting a lot of trouble removing it from transunion. The account was literally closed by XXXX for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until XXXX can provide actually proof of ownership.

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 2021-11-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have currently been with Navient XXXX XXXX company but after XXXX years of making payments I found out that the XXXX loan division was showing that I owed them for the exactly same loans making it seem as if I never paid my XXXX loans when in fact I had been paying for more that XXXX years. I have all papers to prove this fact and when contacting Navient they were of no help! I was then released from my place of work after almost XXXX years of employment and continued to make payments even during unemployment until I was no longer able to make payments which were not being shared with the XXXX  loan agency. I have paid more than my loans back and would like a resolution to this life-long payment issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last XXXX billing cycles Ive been charge interest and when spoke with XXXX at XXXX she advise that I am still receiving interest charge from XXXX. However XXXX from XXXX and XXXX has been paid in full. Also if I dont pay the statement balance by the due date I will receive interest instead of paying by the statement date. My statement stated balance has to be paid in full by statement billing period. I have XXXX months of partial statement balance payments yet XXXX months of interest charge and They are refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX AccountXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 following addresses are also in violation of my consumer rights : Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a 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 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have also filed an identity theft report with the Federal Trade Commission on XXXX XXXX XXXX., report number # 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