BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon reviewing a copy credit report, I requested Source Receivables Management remove the negative entry on my credit reports for their account in the amount of {$900.00}. They did not return correspondence showing my signature entering into an account with Source Receivables Manangement. 

According to XXXX, they do not have an outstanding account in my name or under my social security number. 

I challenge the accuracy, compliance and report-ability of this listing. Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature with Source Receivable Management ( SRM ). In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file under a SRM Account and my Social Security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I updated my auto-payment terms from a full payment on my account 's due date to a half payment every 2 weeks using the payments options on Chase 's mortgage servicing online portal. My mortgage payment is due the first day of every month. I was given a notice that my mortgage would begin paying on XX/XX/2020 under the new terms and I was responsible for ensuring my mortgage was paid on XX/XX/2020. Before I added a manual payment for XX/XX/2020, I contacted Chase 's customer service to make sure my previous auto-payment would not pay on XXXX. I was ensured by a representative named XXXX XXXX that I would need to setup the additional payment. I reached back out to make sure my auto-pay would not debit my account on XXXX and that I had to setup another payment. A representative named XXXX XXXX reinforced that I had to setup a new payment for XXXX and that I would not be double charged. 

When XX/XX/2020 came, Chase withdrew 2 payments from my XXXX checking account for my mortgage. This was unfair and deceptive. I called Chase on XX/XX/2020 to get them to refund one of the payments and they said it would take 2-3 business days to process the refund. I asked them to include interest for 7 days the funds were missing from my XXXX account. Chase refused. Chase 's payments practices are unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I sent XXXX letters to all three company and the companies hasn't responded in the 30 days .I reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now I'm requesting to have theses items removed from my credit reports. 


XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the XXXX credit bureaus Transunion, XXXX and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 an account without my written instructions.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: VA
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 contacted XXXX Credit back in XXXX trying to explain to them that my Credit Builder account on my Experian was posting a Credit Limit and Credit Utilization in which they clearly stated on there website would not be reported. I also, have there advertised " Safer Credit Building '' feature turned on so it should never be a balance on my account. This is a prepaid Credit Card I can only spend what I put on the card so how do I have a balance and a utilization they are reporting of 738 %. 

I have reached out to XXXX  several times as well as trying to dispute with the credit bureau only to have XXXX say the information given was correct when that is not the case. This has been stressful for me and has halted my goal of getting a mortgage for myself and children.

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 2023-10-16
Company: EQUIFAX, INC.
State: IA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Capital One deactivated my card when I had it in my possession in the house and now refuse to issue me a new one. They do not even have my address at XXXX  XXXX XXXX, XXXX XXXX, Fl. XXXX and everyday I call them and they say the card will come tomorrow but it has been two weeks and no card sent to me as a replacement. 

The card I had does not match the ones they say I have which they claim is XXXX and XXXX but my card was XXXX XXXX XXXX XXXX snd give no reason for deactivation. I made my payment this month but it was foolish because they credited the wrong person. 

They need voice print like XXXX XXXX  has as they are in constant confusion of who I was when I called them up reading me wrong card numbers. 

it is an identity problem that they ever issued the card. It should be marked paid for that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I issued a check ( number 511 dated XXXX XX/XX/2019 ) for {$500.00} to a friend who lives out of town from my checking account with PNC Bank. When my friend went to cash the check at a PNC Branch in XXXX Virginia on XXXX XX/XX/2019, she was asked to pay 2 % of the check amount, in this case {$10.00} to cash the check. 
When I found out that my friend has been made to pay 2 % ( {$10.00} ) to cash the check, I complained to a Mr. XXXX XXXX, Branch Sales & Service Associate, at the PNC Bank Branch on XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I was informed that it is PNC 's policy to charge for check cashing if the person cashing the check does not have a business relationship, because of the 'risk ' the bank is taking to cash the check. 
I think this is an example of big banks continuing to exploit their customer by unreasonable charging of fees while returning the money that I deposited into the account. Please enact a regulation, to prevent the banks from charging any fees to cash checks presented to them in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-02-11
Company: Heritage Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Auto Loan was obtained by an identity thief. This auto loan does not belong to me! please properly and thoroughly investigate this account. Please Remove This Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CULLEN/FROST BANKERS, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was charged for a hotel room that was cancelled in the proper protocol procedure. XX/XX/2020. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am formally requesting a re-evaluation of my identity theft dispute and a detailed explanation of the reasons for the denial. I urge your bureau to conduct a thorough and objective investigation into my case, taking into account all the evidence I have provided. However, despite the ample evidence provided, I was dismayed to receive a response from your bureau stated my dispute was denied. The letter did not provide sufficient justification for the denial and failed to acknowledge the gravity of my situation. I believe there has been a grave oversight in the evaluation of my case. I provided the required documentation and supporting evidence to substantiate my claims. This included a FTC Report from IdentityTheft.gov. My identity theft claim, submitted since XX/XX/XXXX of last year, outlined the following fraudulent activity on my credit report : XXXX XXXX XXXX XXXX. Please delete this fraudulent account ASAP.

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