BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. Please mail me a physical copy of my credit report when the above deletion has been executed. 

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 non-monetary relief
Consumer complaint received 2020-07-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 a principal reducton payment was made. On XX/XX/20 I noted that the lender, PNC Bank, applied principal paydown on loan to future payments due. A call was made on XX/XX/20 asking them to correct and they did with an effective date of XX/XX/20, which was 19 days after the payment was received. With this interest charges accrued on the funds for 19 days. PNC bank refused to accurately apply the principal reduction, stating that " once applied, we can not date it backward. The interest accrued is small, the practice is not ethical and seemingly PNC is breaking the law. If they do this to thousands of customers, the interest adds up to a significant amount. As a side note, they also record calls without advising the customer in advance, a violation of California Penal Code 632.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to the XXXX XXXX  requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted.

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 2022-08-18
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a purchase XX/XX/2022 for XXXX what I purchased wasnt not what I thought I bought. I requested a refund. The business has confirmed they have sent my refund. CHIME claims it never was refunded. So i then filed a dispute & was told I have to wait until XXXX to get my money!!!! $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I Have been trying to pay this card off. Have alot of debt. No income, being asked to pay what i dont have. There has been no compromises.

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 2019-11-18
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : MERCANTILE ADJUSTMENT BUR # XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: National Credit Adjusters, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may Concern, Two accounts are reporting information that isnt 100 % accurate but have been marked as verified. Please remove these accounts based on inaccurate information 15 U.S. Code 1681i Sec 5. 

Account Number Company Name XXXX XXXX  XXXX XXXX  Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
Back in XXXX, derogatory data appeared on my Experian Credit Bureau report. The trade line that was reported is Management Support. I advised Experian at the time, I had no idea who they were. Fast forward to present, the derogatory info still appears. I contacted Experian by phone, in part to complain I was never notified of the results of the XXXX dispute, after which I was advised that Experian was informed by Management Support, that their reporting was legitimate. I WAS NEVER INFORMED OF THIS! When speaking to the Experian rep, he advised they were representing XXXX. A ha - I fully know who XXXX is. It's an apartment rental community I lived in, back in 2017. Although I will provide you with detail - - the gist is, after living there for a few weeks, the apartment was infested with ants, and uninhabitable. I advised Experian of this in great detail. I attempted to submit compelling documentation electronically, however, the Experian website, had a technical difficulty in receiving it. Therefore, I proceeded to mail detailed to them in support of my case. The amount in question is {$2200.00}. As an aside, when contacting Experian again, the same day, a representative did not see a dispute lodged against Management Support. It was lodged against XXXX ( where I do not have a dispute ). The 2nd rep I spoke with rectified this on the bureau report. Hadn't I not called, a dispute would have been erroneously filed against XXXX. 
I'm writing to you in order to provide regulatory oversight and intercede to get this matter adjudicated.

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 2019-10-24
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX/ Pendrick Capital Partners II LLC trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXXfor the amount of {$1000.00} dollars and a second one fromXX/XX/XXXX for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX ) I sent my letter via certified return receipt on XX/XX/XXXX and received a response from them on XX/XX/XXXX 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Account information incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$540.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have mailed, faxed, and called both XXXX and Diversified Consultants multiple times regarding an account from XX/XX/XXXX and a collections reported in 2015 : 1. There was a FEMA disaster here in Colorado and this phone was lost in floods of XX/XX/XXXX. I have attached a letter from FEMA certifying this. 
2. I tried several failed times to pay XXXX through their Web site including the attached printouts and notes dated XX/XX/XXXX indicating my attempt to pay. After calls to Customer Care they indicated I should pay at an office. 
3. I did pay {$200.00} at XXXX/XXXX store on XX/XX/XXXX to pay off the balance due and I have attached my business XXXX credit card statement showing that payment. I never heard anything again for 6 months and had every reason to believe my account was paid and everything was fine. 
4. In early XX/XX/XXXX, I received a collection bill from Diversified Consultants. I called and spoke with a XXXX at Diversified Consultants XX/XX/XXXX. Even though he understood I had already paid and had proof of payment, he said that if I paid him directly AGAIN, the collection would be fully REMOVED and DELETED and NOT listed as in collections. I foolishly believed him and made a second payment to get my credit report cleared. I have the bill and my hand-written notes and the confirmation # XXXX as well as another XXXX credit card statement showing that {$230.00} payment made. 
5. On XX/XX/XXXX, I sent the previous attached letter requesting this correction. I followed through with a phone call on XX/XX/XXXX after speaking to supervisor XXXX ID # XXXX who said if I faxed proof of the original payment was made before it went to collections in XX/XX/XXXX to XXXX she would get this corrected. 
6. On XX/XX/XXXX, I sent another letter to both XXXX and Diverisified detailing above and requesting a response. No response ever received for any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, Chime Bank closed my account due to bitcoin deposits. They wanted to know where the funds originated from and I explained to them that i am a trader. I trade crypto currency like bitcoin and etherem. They wanted w2, for the deposits and I explained that I do not receive them because the money was earned from this trading year. They closed my account and stole the money i had remaining in their. They are lying to me and telling me my balance is 1 , when I had over {$500.00} in the account before it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Cadence Bank
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported unauthorized charges on my account in XXXX that occurred in XXXX. I waited the 30-45 days for a response and even filed 2 additional disputes. When I continued to be ignored by my financial institution, BancorpSouth, they told me that they had no legal obligation to assist me as it has now been beyond 60 days. However, they did acknowledge receipt of my written complaint within 30 days of the charges occurring. From my understanding of the FCRA they are actually the ones who have 30 days to reply to me and if I am not given a response their obligation is to refund the charges. I've spoken to several different managers with my bank and they prefer to bend the law to suit their needs. The charges were in the amount of {$170.00} and {$44.00} from XXXX XXXX XXXX. Please assist me in getting my money rightfully returned to me as is required by the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
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: Information belongs to someone else

Complaint:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-08-02
Company: CORELOGIC INC
State: SC
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:
PLEASE REMOVE UNLAWFUL, HARMFUL, AND FRAUDULENT INFORMATION FROM THIS THIRD PARTY CREDIT REPORT. IT IS FRAUDULENT AND NEEDS TO BE REMOVED.

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 2021-02-26
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

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 2019-01-03
Company: JPMORGAN CHASE & CO.
State: WI
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:
On XX/XX/XXXX I purchased a Business Education and Training Program called " XXXX XXXX XXXX XXXX '' called XXXX. I purchased Training Packages and the permission to sell the packages.. I paid {$60000.00} for the program and charged {$11000.00} on a Chase Credit Card as XXXX XXXX  XXXX. 
On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites are shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified Chase Dispute Department of the situation. They mailed me a form to fill out and i completed it and mailed it in. 
Since then I have been going back and forth with Chase to send more information and I have submitted information each time. As of XXXX XXXX they sent me a document which I am attaching stating there was no billing dispute. The issue is about " Services not fulfilled. I did  receive about 14 % of the coaching services and reduced the dispute to {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My situation began on XXXX of XX/XX/2021. I lost the amount of {$2700.00}. I went to my bank to clear up the blocked check situation but got nowhere as There were two XXXX checks sent out. This was after my bank had cleared the check. I was told later that I should have waited ten days to use my deposited check. I went to the restaurant that issued the check and spoke to the manager who knew instantly what I was taking about. She said you didnt deposit the check did you? Because this is not our check ( a block was put on the check ). She also mentioned that this appears to be a nationwide scam and that they had also reported it to the authorities. I have since put together the paper trail the guilty individuals have left for me and are attached to this correspondence

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX Name : XXXX, Act Name : XXXX, Act Name : XXXX, XXXX Name : XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 1681c. ( a ) ( 5 ) Section states, 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 ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2019-01-03
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Previous complaint ... XXXX ... .fraud. 
XXXX XXXX, senior customer care specialist, US Bank XXXX XXXX Customer Service ... ..once again, I didn't file or authorize fraud on 2 transactions at XXXX XXXX XXXX ... XXXX XXXX and XXXX 2018, as I told you on our phone conservation, I didn't sign your form on these as I still have it. 
Your force close fee of XXXX ... .now you word as a charge of fee. 
Stop dancing, take responsibility of your employee errors. I am not responsible for this for this negative balance which now is a Recovery Branch, Department. I want immediate attention, and correction from you on your staff errors

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