BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the XXXX XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at Transunion and XXXX XXXX, Vice President, Consumer Protection, XXXX, XXXX XXXX, Chief Customer Officer, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me.

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 2017-05-17
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I really just had a question to whether I was being mislead or was it legal. I filed bankruptcy in   XXXX   XXXX  . I soon received a letter from sallie mae saying that I was in default of my loan. I told them that my loan was in deferment. They told me that when you file bankrupt the promissory note was no good. I asked for a copy of the promissory note because I could n't print it. They locked me out of my account because they said I did n't have access since I filed bankruptcy. I asked them can I get someone else to buy the loan they said no because I defaulted. I called my bankruptcy lawyer, he asked for a copy of the promissory note, I told him I could n't get it. He told me that the best thing to do was she what type of payment plan they have because I am responsible, in which I knew this. Sallie mae told me I had to pay  XXXX  dollar down by   XXXX   XXXX   XXXX   and thereafter  XXXX  and it had to be automatic withdrawal. The contract ends every  two year s and you have to renew it. So in   XXXX   XXXX  , I noticed the money was still on the card so I called to see why they have n't took the payment, I was told that I did n't renew the contract. I told them no one informed me that it had to be renewed every  two years . They told me a guy supposed to had called. I have n't received no calls but anyway, I just wanted to know can they do that. I was also told that default would be on my credit for at least  10years. That i s n't fair, just because you file bankrupt does n't mean that should go on your credit especially if I 'm paying in a timely manner as agreed. Also why is my account still lock?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I used to have XXXX XXXXXXXX. This year this bank was sold to BBVA, who was then sold to PNC. Each time the software has gotten worse. The app has none of the budgeting features of XXXX XXXX. If you've ever changed over a checking account you know how much time this takes. 

The PNC app has none of the functionality of the XXXX XXXXXXXX app, it is far uglier and it shows me ads. It doesn't even accept mobile deposits. 

I have been trying to deposit my State of XXXX XXXX XXXXXXXX Stimulus check, but PNC will not accept a mobile deposit for my XXXX XXXX Stimulus check. They could have told me this, but instead they gave me an error message " XXXX XXXX  Deposit Not Available at this Time ''. Last week I contacted customer service several times through their app, then got a " callback '' that rang for an hour each time. When I finally got a hold of someone on Monday morning ( A week after I have been complaining ), the first call was hung up on after XXXX minutes on hold. The second call was when I was informed that they do not accept mobile deposits from the State of XXXX. I talked to a supervisor named XXXX XXXX, who was absolutely unhelpful. 

Each time my bank has been sold this year I have spent the hours it takes to transfer over my accounts, and now I don't have any of the software that works. PNC bank does not pick up the phone to deal with customer service problems even. 

PNC bank should never have been allowed to purchase BBVA or XXXX XXXXXXXX. I believe this XXXX  is dangerously under-capitalized. It has over-extended itself with merger after merger, and is going to go under at any moment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive set number of emails at least six to Miss XXXX from the collectors of {$150.00} that was paid in full on two separate payments the same hour same day XX/XX/2020 I will contact her for five times I left voicemail messages for her I still have not gotten back to me as of what is going on what is still sitting on my credit report nothing is being done her name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report : XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal Credit Union did an unauthorized transfer payment from my checking account with them to my installment account that I have with them also in the amount of roughly XXXX. The installment account was not 30 days past due. And I did not authorized any type of transfer to be make from my checking account. The bank processing this unauthorized transfer resulted in me having to pay returned check fees and other fees due to me writing a check expecting those funds to be in the account. But they were not because Navy Federal Credit Union processed that unauthorized payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: DISCOVER BANK
State: MO
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:
On XX/XX/XXXX I notified all three credit bureaus that I was a victim of identity theft. In the packet I included the FTC identity theft report, the proof of my identity, and a copy of the fair credit reporting act section 605B. There were multiple accounts that were opened in my name. I identified an account with Discover Bank as one that was open fraudulently in XXXX of 2016. 

On XX/XX/XXXX I received a letter from Discover requesting information to assist them in investigating the account. On XX/XX/XXXX, I submitted the requested information, including a copy of my federal tax return, showing that I did not live at the address that they had listed on that account. Whereas I requested any and all information that was used to open this account, I was not provided that information. Included in that letter was a copy of the FTC notice to furnishers of information which outlined that upon receipt of a consumers written request that includes an identity theft report that the information furnisher must cease to report that information to the CRA. 

XX/XX/XXXX, I received a letter from Discover saying that they researched the dispute of liability for the account and found the account to be valid. The letter also said that the payment in full is currently past due and until the full payment is made the negative information will continue to be reported to the reporting agencies. I also recieved a large envelope that contained copies of statements that weren't sent to the address that I resided. I immediately contacted Discover directly requesting the information that was used to determine that the account and balance was valid. I was informed that they did not have to provide me that information. I have continued to request this information and have made no progress. I don't understand why if I provide multiple pieces of information as to this account not being mine and opened fraudulently why the bank who is reporting this negative information will not provide me with any information as to how they came to that conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: CA
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:
I sent dispute letters to experian, XXXX, and XXXX. The credit companies are not complying with their own policies in a timely manner.

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 2021-10-08
Company: LEXISNEXIS
State: LA
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:
LexisNexis Consumer Center, XXXX XXXX XXXX, XXXX, GA XXXX, Telephone : XXXX, www.consumerdisclosure.com ; provided the following incorrect information on my credit report : XXXX Account with a Reported Delinquency Status Including Bad Debt & Bankruptcy XXXX Percent of All Department Store Accounts Reported in the Last 24 Mos to Total # of Accts XXXX Time Since Most Recent Collection Agency Filing Reported XXXX Insufficient Information on Bank Revolving Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced through Amerisave mortgage. They have failed to pay XXXX 4th quarters taxes. I contacted them on XX/XX/XXXX after I received a tax sale notice from my town. I also emailed them a copy of the notice and the tax amount that was due. They failed to pay by the end of XXXX. On XX/XX/XXXX, I received another notice from my town regarding the taxes owed and the upcoming tax sale. I contacted amerisave mortgage once again and forwarded them a copy of the tax sale notice. I received my monthly mortgage statement and observed that I had XXXX in my escrow account. I contacted my towns tax office and was advised that the taxes were still not paid. On XX/XX/XXXX, I received that last of the tax sale notice. I contacted amerisave mortgage again and was told they sent a partial payment on XX/XX/XXXX. I contacted the tax office and was told they have not received any tax payment. The tax sale is scheduled for XX/XX/XXXX. As of this date, XX/XX/XXXX the taxes have not been paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied again and got this message " Thanks for your interest in the XXXX  XXXX XXXX XXXX from Marcus by Goldman Sachs. Were sorry to let you know we cant approve your credit application because you have applied too many times within a 30-day window. Please note that this is a protective measure intended to prevent fraud rings from repeatedly guessing your personal identification information in order to gain application approval. This decision will not impact your credit score. We appreciate you considering the XXXX XXXX XXXX XXXX. '' Talk about the pot calling the kettle black. Listen ... .I applied for that XXXX card. 6 times. Tonight. 

Check this out - the tax code contains provisions for " debt instruments ''. I assume that a debt instrument may be drawn on an employer identification number ordering the payment of information. 
Being that banks give credit ( really they give information ) in exchange for the information you provide on your application, which I presume is a 1031 exchange of real property under 26 USC 1031. I presume that this is the case because a business owner applying for business credit would have to use his/her personal information ( and therefore a personal credit check- which only serves the purpose of verification ) to obtain business credit which would make the utilization of personal credit an investment activity. It's just information- and I presume that the information could be considered as capital property under the Internal Revenue Code but that's another story. 

And then nobody wants to arbitrate and I guarantee that, if I haven't already found an IRS regulation or statute that is similar to the arbitration clauses in these agreements of the financial institutions which, as I'm writing this, I believe I may have already ran into, I'm putting it out there. 

You know what - I'm about to go ahead make this as clear and concise as possible and then put it out there. XXXX it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-28
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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent dispute letters to XXXX, transunion, and XXXX. The credit companies are not complying with their own policies in a timely manner.

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 2022-10-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Hello, I am filing this complaint against Synchrony Bank regarding the following accounts I have with this business. 

1. XXXX XXXX- {$3200.00} credit limit reinstated and corrected utilization for Credit report 2. XXXX XXXX- {$1000.00} credit issued to balance owed for interest and transactions per Customer service and correction to utilization for Credit report 3. XXXX  {$3500.00} Credit limit reinstated and corrected utilization for Credit report 4. XXXX XXXX XXXX - {$4500.00} refund check

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 2022-02-03
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow XXXX or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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