BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I made an online payment for my mortgage from my checking account ending in XXXX. 
XX/XX/XXXX - The payment posted. 
XX/XX/XXXX - Received an email stated that an overdraft item fee was applied to a different checking account ( ending XXXX ). 
XX/XX/XXXX - Called BB & T, and customer service indicated that there was an automatic draft setup for the mortgage, but since I made a manual payment on XX/XX/XXXX the account was current. As a courtesy the overdraft fee of {$36.00} was refunded. Additionally, the representative assured me that she would remove all automatic payments ( because I wasn't aware of it/never used it since being a customer ) and would add a note on the account that the customer does not want any automatic drafts and that I would not incur any further issues related to this matter. 
XX/XX/XXXX - Another email was received that my account ending XXXX incurred a return item fee of {$36.00}, for another mortgage payment! 
XX/XX/XXXX - Called BBT after returning from vacation and was told that it was not a bank error after being passed from multiple representatives. The account shows that the mortgage was current as of XX/XX/XXXX, but BB & T stated that they could not do anything to stop their system from processing another payment!!!! So ultimately, I was charge 2 return item fees because of their faulty system. I was told that I am responsible ; that they could not assist me any further and will need to file a complaint. 
I am so frustrated because I could not get anyone to explain why I can't stop BBT from retrying a payment on an account that is not past due.

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 2018-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
Fifth Third Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. The dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called Fifth Third Bank Corporate and got nothing more than a run-a-round by their customer service representatives on multiple calls by myself to them. That is the reason I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 : # 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. 

Account name : 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 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2017 I received an alert from TransUnion that a collection had been added to my credit report. The collection medical account reporting is XXXX XXXX , XXXX with account number # XXXX for the balance of {$250.00}. The numbers are partial because this is how TransUnion has it shown on my consumer file. I contacted the original creditor and asked them about this bill, the billing department told me that this bill had been paid by my health insurance and, is showing a XXXX balance. The original creditor sent me the billing summary showing the explanation of benefits. I have tried disputing this with TransUnion with no success. I have included a copy of the paid billing summary, copy of social security card, utility bill and TransUnion 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 explanation
Consumer complaint received 2020-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 10th time I have filed a complaint about Portfolio Recovery Associates. Portfolio Recovery Associates is refuse to send me something with my signature on it. They sent me some credit card statements. 15 U.S. Code 1692g - Validation of debts Portfolio Recovery Associates is failing to send the original contract with my signature on it. THEY have reported this false balance to XXXX. 

Portfolio Recovery Associates wants me to send a copy of my ID and some other stuff. I'm NOT required to do this. It's Portfolio Recovery Associates JOB to validate without any HELP FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have unauthorized inquiries on my credit report that I didnt approve or authorize and I would like them removed immediately. The inquiries are from the from the following companies : XXXX XXXX XXXX XXXX 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 2023-01-30
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Pentagon Federal Credit Union, erroneously and without my permission, transferred $ XXXX from my checking account to XXXX XXXX XXXX XXXX to pay for a credit card that an identity thief obtained from XXXX using my information. XXXX alleges that XXXX authorized the transfer, that XXXX is responsible for taking corrective action, and that XXXX is awaiting PFCU to continue with the correction process. Even though I contacted both PFCU and XXXX immediately upon learning of the erroneous debit/transfer, both XXXX and XXXX have shunted me off on one another, but neither have taken measures that effectively restore the $ XXXX to my checking account. Both PFCU and XXXX have practiced avoidance and neglect in addressing this matter. Both have abused me, and the abuse continues. If this abuse continues beyond XX/XX/2023, I will seek damages under the Federal laws applicable to this matter.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Around XXXX XXXX XXXX the company said the payment I made was late but I never paid late. They messed up when trying to charge my account and never updated my new account that I added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Credit inquiries on your report that you don't recognize

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.

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 2019-01-09
Company: BARCLAYS BANK DELAWARE
State: MD
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:
These two items Barclays and XXXX XXXX is on my credit report but I have never opened up an account with Them I tried explaining that to them on several occasions but yet and still they have not produced any evidence that this is my account. Beside yelling at me over the phone by their associates. I would like this removed off my credit reports as this is not my accounts. 

Thanks. 

Ms. 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 2020-05-01
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: Account information incorrect

Complaint:
I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Now that XXXX has released all our information all over the world, I tried to put a " Security Freeze '' on the 3 bureaus. I was successful at XXXX and XXXX but TransUnion not. I took me click after click on the internet on links that kept bringing me to their pay services. When I finally reached a page it wants me to register. Since one bureau already shared my information across the globe I care not to even register. All I want is my credit frozen. On top of it, I have been on the phone on hold for over 15 minutes and can wait no longer. 1 - This should not be so difficult. 2 - They only seem to want your money 3 - We should be regulated like XXXX 4 - I and my spouse both need to have our credit frozen 5 - I also am going to write my Congressional and Senatorial representation and even though not mine, XXXX XXXX. This is more than ridiculous we are putting the heart of America at risk for  disaster for short-term gains by the few. How can I get our Credit Frozen and when. Thanks, 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 2023-02-08
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 made a call on XXXX to request a goodwill adjustment to my credit report for two late payments due to XXXX related issues only to have XXXX, Amex Rep, tell me over the phone that American Express will not do that. Unfortunately, this is a bold face lie as the company has worked with thousands of customers to make goodwill adjustments on payment related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: VA
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 following : XXXX XXXX XXXX  - account ending in # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a Checking Account at Chase Bank. I was writing out bills in the beginning of XXXX and looked at my statement ( which I usually don't look at, I know that is wrong ) and I found that I had no money in the account. I had approximately {$13000.00} in there prior to this discovery. I went to my branch to investigate and they found that someone had made withdrawals starting in XX/XX/2018. Most of the withdrawals were done in the month of XXXX. Chase said they had footage of someone going to various branches and using a withdrawal slip and a fake drivers license. The License number was incorrect. They established that I had nothing to do with this fraud. After an investigation of approximately two ( 2 ) weeks, I received a letter saying that there was too much time elapsed and they could not give me any of my money back. Before I get a lawyer I wanted to see if your organization can check this. I was told by a lawyer that there is not a time frame and Chase told me there was a time frame of 60 days. That being said, the dates in XXXX of these bogus withdrawals, was less than 60 days so I don't understand why they are doing this. This is a lot of money and I will get a lawyer if I have to but if you can help me I would appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, IQ DATA INTERNATIONAL added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA IQ DATA INTERNATIONAL has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Premier Holdings
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good evening on XX/XX/XXXX I received a call from Premier Holdings phone number XXXX falsely impersonating a lawyer and threatening to sue me for old debt. 

I asked if it was a debt collector, and they stated a law firm. 

They claim that this was for an unpaid XXXX XXXX Credit Card, that they claim it dates back to XXXX. 

Despite the apparent incredibility of the caller, the date they claim suggest that this would not be a collective debt due to its age. 

I explained to her that this potential debt would be no longer collectible. 

I want to report this issue for various reasons : 1. False representation 2. Lying about ability to collect a potential debt based on age.

3. Making me feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2018-07-19
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been  putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!

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