BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SYNCHRONY BANK ATT : FRAUD DEPARTMEN/XXXX XXXX XXXX XXXX  XXXX OH XXXX REF : XXXX ( PREVIOUS DISPUTED CARD ) ACCOUNT : XXXX My name is XXXX XXXX XXXX I contacted you on XXXX XX/XX/XXXX regarding an account ( XXXX ) that I did not apply neither I use for purchases. I found out that this account exists when I checked my credit report and the score was low. I notified you right way. Your department started the investigation. I received a letter stating that you were unable to approve the claim. 
I have never applied on line and I have never purchased anything. I have never received anything to my address that I live for the past 2 years. I have never made any payments on this account. 
I need your department 1.- to verify the online application and where that credit card was delivered.

2- Where the payments are coming from?

3- If you see the transactions that you provide on the Fraud Investigation form is all purchases are from the same provider XXXX ON THE SAME DATE XX/XX/XXXX ( THAT SHOULD BE A SUSPICIONS ACTIVITY ON YOUR MONITORING ). ON XX/XX/XXXX XXXX  ( ANOTHER FLOWER COMPANY ). THIS IS ENOUGH PROOF OF FRADULENT ACTIVITY. 
4- I have never received any statements until couple days ago XX/XX/XXXX on. 
I need your department to re do the investigation and get to the bottom of this fraud. I need to remove all the accounts from your system and remove them from my credit report. 
I am cc the Consumer Financial Protection Bureau as well as the Three Main Bureaus.

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 2018-12-27
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PNC closed my account because it was negative ( by {$10.00} ) even though my email statements said the balance was {$0.00}. Because my account was negative for more than 30 days, my account was closed. I have about {$10000.00} in checks that are due to hit my account at any moment, but since my account is closed, I can no longer receive them. 

Upon calling PNC, they said they were recording my call to collect a debt. I told them of the issue, they said that if I went into PNC and paid the {$10.00}, they could reopen my account. I went into PNC and paid the {$10.00}, but they said they can not reopen my account because now I'm on the XXXX XXXX XXXX XXXX list for being a credit risk because of the closed account with the {$10.00} balance. I called XXXX XXXX XXXX to get them to expedite the process, they were unable. I called PNC to open my account, they were unable. 

These banks should be ashamed of themselves. I will not be able to afford rent, food, or books that I need for XXXX XXXX because PNC cares more about {$10.00}, which I paid, than its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I received a letter from my loan servicer, MOHELA, via USPS, regarding forgiveness of my loan ( s ) in full ( see attached ). The letter states that the entire balance of my loan ( s ) have been forgiven in full. It also states, on page two of the letter, that MOHELA has or will " by the end of the month '' notify " all national credit bureaus of [ the ] student loan forgiveness ''. However, MOHELA did NOT notify the credit bureaus of the forgiveness by the end of that month, and my account balance and account status continue to show the full balance due and an active and open account. On XX/XX/XXXX, I submitted a dispute with the credit bureaus, and provided the information sent to me by MOHELA, including a copy of the letter I received, referenced here. The credit bureaus investigated and contacted MOHELA. The credit bureaus investigation reported that MOHELA affirmed to them that the information MOHELA was reporting to them regarding my loan account balance and account status was accurate and correct, when in fact, it is not - per their own letter to me and the account balance showing currently on the MOHELA account system. I then contacted MOHELA directly. MOHELA representatives told me via a phone conversation on XX/XX/XXXX that although my loan has been forgiven, in full, and the account balance IS XXXX, that reporting that information to the national credit bureaus would take up to XXXX  days. I pointed out that the response contradicts the information in the letter promising that they would report the change to the credit bureaus " by the end of the month ''. I was then told that MOHELA would not be " expediting '' any reporting, and again was told that it could be up to XXXX  days, which would be by the beginning of XXXX. It is no well past the beginning of XXXX ( past the XXXX  days ), and MOHELA continues to report inaccurate information on my credit report to all major credit bureaus, showing an active loan account with a full balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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 XXXX XXXX Account # 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 explanation
Consumer complaint received 2020-01-16
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:
Good afternoon, I feel my information has been compromised either online or by the Equifax data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-02-12
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent activity I need this account remove ASAP if this doesn't get resolved I will have to use legal actions

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the eaxct time based on law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 explanation
Consumer complaint received 2022-09-10
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX OF XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. Duplicate Accounts XXXX*Amount Disputed : {$53.00} demand this account to be deleted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I recieved a email from paypal asking that i submit a credit card to prove i am who i say i am. I followed the indtructios but now the paypal email takes me to another website i am really worries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 
" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$360.00} ; XXXX XX/XX/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 2020-01-16
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
I applied for and received a Target Red credit card in XX/XX/2019. I immediately signed up for payment due email alerts on my account through Target, and faithfully paid my balance in full for the next few months. I relied on the payment due email alert system. For some reason, I did not receive an alert in XX/XX/2019, and I thought nothing of it, assuming I didn't have a balance. Only in late XXXX when I logged into my account did I see that I had 2 late payment charges and interest that had accrued. I immediately called Target, paid my balance in full, and had those charges reversed. Unfortunately, Target has been no help correcting these late payment reports to the credit bureaus, even though it has been acknowledged that I did not receive the payment due alerts. I spoke with XXXX on XX/XX/2019 and he confirmed with XXXX in the Target Collections department that the payment due alerts were not sent to me. 

Before this incident, I had a credit score in the high 700s with ZERO missed or late payments, but overnight my score went down almost 100 points. 

I received a response from Target in the mail today, XX/XX/XXXX, that they investigated and found no issues. I also just got off the phone with a Target supervisor and she said she will submit my complaint again, but she wasn't optimistic that anything would change. 

Even if I am at fault for not keeping a closer eye on this Target card, I am supremely disappointed that it has been acknowledged that there was an issue with the payment due alert system and Target has refused to correct these late payment reports, even as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
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:
I AM FORMALLY DISPUTING IMPERMISSABLE INFORMATION IN MY CONSUMER REPORT ORIGINATING FROM CITIBANK NA ( Account # XXXX ). I INSTRUCTED THIS PRIVATE INFORMATION NOT BE SHARED PRIO TO THEM DOING SO. UNDER THE FCRA, SECTION 1681a ( d ) ( 2 ) ( i ) EXCLUDES INFORMATION SUCH AS TRANSACTIONS AND EXPERIENCES WHICH ARE SOLEY BETWEEN A CONSUMER AND THE FURNISHER FROM BEING INCLUDED IN A CONSUMER REPORT, HOWEVER CITIBANK NA FURNISHED PROHIBITED TRANSACTION DATA TO CRA 'S AFTER I OPTED- OUT OF SHARING UNDER THE GLBA. THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) CASE PROVES THAT FURNISHING FACTUALLY ACCURATE BUT IMPERMISSIBLE INFORMATION PROHIBITED UNDER FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) CREATES LIABILITY FOR VIOLATIONS. THEREFORE, INCLUDING PERSONAL TRANSACTIONAL DATA EXCLUDED UNDER THE FCRA CONSTITUTES A FAILURE TO COMPLY WITH FEDERAL LAW AND IDENTITY THEFT UNDER ( XXXX XXXX XXXX ) CRIMINAL CODE 2012.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have incorrect information on my Credit report. 

XXXX XXXX I have either reached out to the company through phone or their portal to have my incorrect information 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