BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
On XX/XX/2018, I received a response from TransUnion about a dispute I had with them involving verification on two accounts listed on my credit report. I am demanding that they inform me of how they have verified these erroneous reporting accounts as this is an act of defamation of my character and demonstrates an act of supporting identity fraud. I have included their response in this complaint which proves they showed me no verification of these two erroneous reporting 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 2023-07-12
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-08-08
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I have a Marriott Visa account with this bank ending in XXXX. When the account had a balance last year, I set up automatic payments for this account in order to decrease any chances of it going past due. Last XXXX, Chase reported me as being 30 days late to the credit reporting agencies. From what I can tell, this was due to Chase not processing my automatic payment for some reason or another. Chase never notified me ( call, email, text, mail, etc ) that there was a problem. Had I known this was the case, I certainly wouldve taken care of the matter immediately, which was done upon receiving a notice from XXXX regarding the late. The payment amount was only {$50.00}, which I most certainly had more than enough funds to cover. This late payment has caused my FICO score to drop significantly, since its my only late payment being reported. As a result, my credit limits on other accounts have been cut and interest rates hiked, thus damaging me further. In fact, Chase slashed my limits on multiple accounts with them, plus closed my oldest account. Ive disputed this with the bureaus already and already contacted both customer service and the executive office within Chase, but they refuse to accept any responsibility or have the bureaus remove the 30 day late. At this point, my main option left is mediation with the CFPB or a lawsuit seeking financial damages theyve caused me, which I can certainly provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: DISCOVER BANK
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This situation started on XX/XX/XXXX of this year, Just last month. I was at work, XXXX  of a XXXX Unit when my Boss came in and stated she needed to print out paperwork for me. The paperwork was from XXXX XXXX XXXX with a garnishment of my pay which I had no idea was even held. I had not received anything related to a court. On the court papers sent to me, The date stated XX/XX/XXXX. I had not received any notice of a lawsuit. Again, I received the court paperwork in XX/XX/XXXX. I called and talked to the court secretary and stated I had never received any notice from Discover about the lawsuit. The secretary stated the plaintiff had told the judge they had mailed a notice to me at my home listed on the paperwork. I informed her I never received a notice nor wasI given a notice from a process server from the court. The paperwork from the court is still in my possesion. In the paperwork it stated I had never made any payments to the balance. This is inaccurate. I paid monthly against the balance, however, the majority of the payment went to interest on purchases. In fact, from, the payments sent, between XXXX to XXXX dollars, XXXX to 90 % went to interest on Purchases. The balance continued to grow each month. Over time it became impossible to make the payments. This was very disturbing for me. Not being able to put the money towards the balance. I finally had to stop due to the balance increasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Paypal Mastercard and a due date of the XXXX, on XX/XX/XXXX I had a payment due of {$25.00}, on XX/XX/XXXX at XXXX I made a payment of {$50.00}. I received an email thanking me for my payment at XXXX. I then received an email on XX/XX/XXXX at XXXX XXXX stating my payment was processed. I then go online at XXXX XX/XX/XXXX and notice I have a late fee. I call the XXXX number and she states their system has not updated and that the late fee will be removed. I tell her there should not be a late fee if a payment was made on time prior to XXXX like your contract states. She then tells me the same thing. Reading online these seems like a tactic they use to collect late fees from customers who pay on their due dates. This can not be right. 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 explanation
Consumer complaint received 2021-04-30
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a ckecking account with PNC bank in XXXX of XXXX. This was a direct deposit account that my New York XXXX XXXX pension system was to deposit my check in. The debit card on the account was number XXXX. Although the account was set up in the XXXX, XXXX branch on XXXX XXXX there was a major problem from the beginning. The bank incorrectly opened the account and there was no evidence of the account. I had placed thousands of dollars into the account but when I attempted to use it it would not work. As the XXXX XXXX XXXX couldn't find a valid account it did not approve the XXXX XXXX XXXX formed that I filed. I did not find this out until months later. Even though I had checks, a debit card and paperwork verifying the account PNC customer service informed me I didn't have an account. I learned this after attempting to place funds in the account through XXXX. At the time thousands of dollars were lost " in the cloud '' and were returned after many days and emotional trauma. Certain bills had to be paid and at the time I still did not know why my pension funds were not being transferred into the account. After numerous calls the bank finally opened the account. But at that point the pension system rejected the XXXX funds because of PNC failing to verify the account. ( more )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Hi, I have a huge problem with the information giving to me. My name is XXXX XXXX, a fully XXXX veteran of the XXXX XXXX. When I was serving an XXXX loan was taken out and due to myself being injured and unable to care for myself for quite some time, the loan defaulted. I've been contacting Penfed to satisfy the loan and reestablish my account with no further restriction afterwards. I've spoken to multiple people who told me once my past balance was taken care of all restrictions would be removed. For quite some time, all representatives haven't been able to get in touch with the person ( only person Penfed has ) who handles removing restrictions and updating the loan balance XXXX XXXX. I've been calling for a little over a month now, and the supervisor of one of the reps finally got in touch with him and he is now saying that the restrictions wouldn't be removed for me to enjoy Penfed and it's services to the fullest. Not only is the information he's just responding with completely opposite of what i've been told by everyone else, this has created quite the dilemma as professionals. Had Mr XXXX XXXX been available at all during any of this process, information could have been given out among each other accurately. The loan that we're speaking of is outside of the credit bureau reporting timeframe and did not have to be paid at all. It should not be this hard to have this taken care of in such an established organization. I am asking that this be looked into, I was told that upon satisfying this debt that I would not be penalized at all and able to use all services and products. Please allow myself to be removed from all restrictions and able to use all services and I have done what was requested but what I was assured has not been done on Penfed 's end. Also, for XXXX XXXX XXXX to be the only person handling the department he is in, he should be more readily available to handle customer 's needs. The turnaround on emails from his colleagues is crazy. I was told by the representatives of Penfed that after payment, all restrictions would be removed. If this is not true, then illegal tactics were used on me to satisfy a debt that i'm not even sure was even mines. I just wanted to be able to be with Penfed again. This loan is outside of the window for collection by law and I did not have to pay it. I did it because I was assured something that has not happened would happen. This is not good business practices and I was taken advantage of.

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 2020-09-17
Company: United Military Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I reached out to Low VA Rates ( Utah ) to assist in an Interest rate reduction refinance mortgage loan. Their representatives reached out to our homeowners ' association to confirm a lien free status, as well as a statement attesting to our dues being paid to date. In this request, they included our social security numbers on a release of information form. We have explained to them that our XXXX board merely exists of our neighbors. Through this breach of our personal information, it is now an easier task to obtain a lot more information and also leaves us open to higher risk of fraudulent activity. 

We are now left to wonder whether or not this is the only instance where our information was exposed incorrectly throughout this process. We are only aware of this instance because we were copied on the said request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX, has violated my rights. 

15 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 written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Remove any old or duplicate addresses from my report. They are all non-mailable address. 
Remove any old or duplicate phone numbers. 
Remove any variations of my name that is incorrect.

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 2022-01-12
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked credit report and found a card was opened fraudulent in my name and charged to. 

Called Genesis FS XXXX XXXX ( XXXX XXXX a XXXX XXXX XXXX ) and notified them. They in turn sent out documents to fill out and I sent back on XX/XX/XXXX. 

They in turn sent back a response on XX/XX/XXXX indicating my personal information was verified. The personal information was incorrect in the documents sent and I called the company several times to resolve with no response back. 

A police report was filed on XX/XX/XXXX with the PA State Police and sent back along with a letter on XX/XX/XXXX asking to re-open the investigation. Letter was faxed to XXXX and XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2021-10-08
Company: CITIBANK, N.A.
State: IL
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:
I attempted to purchase tickets to XXXX XXXX XXXX and the vendor attempted to charge my card multiple times. Citibank flagged this as a fraud and asked if I would like to let the transactions through. When I declined to approve all the transactions, they closed my card and issued me a new one. Two days later, 2 charges appeared on my card posted XX/XX/XXXX for amounts of XXXX and XXXX. I filed a dispute and the merchant agreed to return my money. The credit has still not appeared on my account and they said they cancelled my dispute. Then in XX/XX/XXXX more charges appeared posted on XX/XX/XXXX of varrying amount of either XXXX or XXXX. I have called 3 times over the past 30 days and there has been no resolution. A supervisor noted that because the disputes appeared to be duplicates as the same amount was charged, citi is not looking into them and cancelling the disputes the minute they are filed. I sent multiple emails regarding the siputes and have not heard back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: DISCOVER BANK
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:
In the past few months, I have contacted Discover Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to Discover Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from Discover, and a documented ledger of my payments being on time ( provided by Discover ), I opened a dispute with XXXX. The dispute was kicked back, as was 4 other attempts. 

When reaching out to XXXX as to why this was the case, I was told that Discover said the late payments were valid. This is a direct contradiction to what I had been told by Discover and also contradicted the documentation that Discover had provided which showed payments being made on time, not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 confidentiality under 15 USC 1681.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 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 written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 has 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