BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX  credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment toXX/XX/XXXXXXXX  who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Account information incorrect

Complaint:
are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep mental breakdowns

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. 
Respectfully, XX/XX/2019

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 2017-10-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Went into PNC BANK in XXXX XXXX, FL to enter vault ( both keys in my possession ) I was told my step-father XXXX XXXX a man suffering from XXXX residing in the XXXX XXXX XXXX XXXX XXXX facility in XXXX XXXX XXXX, FL came into branch with locksmith and DRILLED OPEN VAULT. XXXX XXXX was a signer, however PNC was fully aware of XXXX XXXX mental condition. There is a " TRO '' in place banning him from location of bank. Temporary Restraining Order was given to PNC ... Lead Teller XXXX XXXX - along with Branch Manager. Yet they allowed XXXX XXXX to break into vault. Approximate amount of assets ( bonds ) {$170000.00} to {$200000.00} was stolen out of vault under the eyes and assistance of Branch Mgr. XXXX XXXX and Lead Teller XXXX XXXX. I have requested on several occasions copies of ALL vault documents and signature cards - PNC claiming Docs and signature are missing, lost ... That is a criminal act. XXXX XXXX of PNC Executive Offices has been made aware -- - ( XXXX ) 5XXXX Still nothing. Please LOOK into this matter and if required make a referral to the US Department of Justice, Washington, DC Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are not my accounts and this is the second request. Please remove them.

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 2022-03-13
Company: OPORTUN FINANCIAL CORPORATION
State: AE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple calls morning from nights. When trying to arrange payments they deny the amount and want me to pay the exact amount. They told me borrow money from friends or family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Equifax needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Equifax three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Equifax to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have "  asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Equifax has reported in error and for Equifax to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

FEDLOAN Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account XXXX : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chex Systems is reporting the wrong information regarding myself. I called a wrote .... NO RESULTS. Please correct and DELETE.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: NC
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:
Didnt resolve my complaint about addresses on my personal information had no concern at all

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 2021-11-06
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:
There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX - ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - ( XXXX ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015

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 2017-10-30
Company: Immediate Credit Recovery
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told by the Department of Education to contact this collection company. I told the Department of Education and the collection company the loan did not belong me because I had a name change and the debt is more than seven years old. According to the rules of the FCRA the debt is suppose to be deleted from their systems because it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For most of my bills I pay them using XXXX XXXX Online Bill Pay. On the XXXX of XXXX I logged into my XXXX XXXX account and submitted a Bill Pay request for the amount of {$1000.00} payable to Business Card Services for Bank of Hawaii. According to XXXX XXXX 's Bill Pay page my payment submitted that day ( XX/XX/XXXX ) would reach Bank of Hawaii on the appropriate due date of XX/XX/XXXX. This past week I received my new statement from Bank of Hawaii showing a {$16.00} late fee for that last payment. I logged into my XXXX XXXX account and the " history '' page shows that the check to Bank of Hawaii was cashed on XX/XX/XXXX, but when I called Bank of Hawaii to inform them of this they told me they didn't receive it until the XX/XX/XXXX. Clearly, one bank or the other is at fault here, but I'm the one being assessed the late fee penalty. Bank of Hawaii offered to " waive '' the late fee, but I told them this wasn't the correct terminology because it still implies I was at fault. Furthermore, most credit card companies will not allow you to ask for a waiver more than once in a 12 month period, and since this wasn't my fault I didn't want that to be my " one time '' waiver. I pay ALL of my credit cards IN FULL every month, but occasionally I might get distracted a miss payment by 1 day, at which time I'll call the to explain and ask for a waiver. I don't want my 1-time waiver being WASTED on a issue that I  didn't create. 
If I can add a secondary complaint to this thread : I also discovered that my new bill has a due date that is 3 days sooner than ALL of the previous billing cycles. Since opening this card my due date has always been the XXXX of the month. I keep a calendar with all my due dates on it so I can be reminded when to pay. I did NOT receive any official notice in writing from Bank of Hawaii that my due date would be changing, so this new statement was the first I became aware of it. When I asked the supervisor on the phone from B of H she said that because its a business card the due date has to fall on a business day -- to which I responded " bunk! '' I have tons of credit cards and the due date NEVER changes without a formal letter in the mail at least a month in advance notifying me a change is forthcoming. Is this recent date change by Bank of Hawaii a FAIR practice or just an attempt to set someone up for failure by slipping in a different date and subsequently creating a late-fee garnering opportunity for the bank? Please advise.

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 2017-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It has been my observation that there is an apparent pattern on the part of my mortgage company ( Select Portfolio Servicing, inc ) of statement of being  behind in our payments of 2, 3 and even as of XXXX we are almost 4 payments behind. Upon XXXX I requested a payment history, which upon receipt ( 3 pages front and back ) were inegilgable, printed very small. Also reported that a money orders was not received, my requested bank statement from my bank showed differences from their payment history. This mortgage company has communicated to us that as of XXXX if this amount of {$2100.00} from the first mortgage has been paid, my account would turned over to their lawyers to begin foreclosure proceedings. I have remitted in payments in XXXX, XXXX, XXXX, XXXX, XXXX, and as recently as XXXX and XXXX of XXXX to cover any pass due payments, and in this year XXXX in the same months. This basis of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a notice from Debt Recovery Solutions , LLC on XXXX/XXXX/XXXX to pay a debt that was included in a bankruptcy some time ago. It began with rude unprofessional phone calls and escalated to written notice. I inquired within about this alleged debt. The feedback I received is attached. Thank you for advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SLM CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/19 I received an email from Sallie Mae that a student loan was denied and it listed XXXX as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by Sallie Mae on XX/XX/19. I did not apply for a loan with Sallie Mae on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted Sallie Mae to dispute the inquiry. Sallie Mae said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from XXXX based on that. XXXX will not do anything without a letter from Sallie Mae telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either Sallie Mae or XXXX but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Transunion is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and XXXX is reporting {$740.00}.

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 2020-11-10
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2020, I filed a dispute with the Equifax Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation