BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX XXXX  account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.States I have rights 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 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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a XXXXXXXX XXXX XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WI
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:
Due to the equifax breach I now have to actively pay in order to keep my credit safe and secure. Upon checking their website I found out that I am vulnerable to having my information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Ive already filed a complaint Against PNC recently in regards to this particular issue. I currently have a pending complaint awaiting response from PNC about my submission surrounding the controversy of my complaint. I however Would like to submit documentation on behalf of my dispute. Upon going over my statements leading up to the Date of XX/XX/2021 Ive come to notice the information provided on my statement from PNC doesnt correspond with the information I have on my account with XXXX  The statement Dates and amounts are inaccurate as if theyve manipulated the system to Match their fraudulent actions with XXXX however you are unable to delete any Cash Transfer Received cash deposit or Added cash transfer from your bank to XXXX PNC Has overcharged me an excessive amount of overdraft fees for money I had available in my account to spend and make purchases When I spoke with a representative about it she said its because I didnt have the available funds during the time of my transactions which is a lie Ive had well over enough funds they wiped out my savings and checkings for overdraft fees that were inaccurate basically stole my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Report Number : XXXX Date Generated : XX/XX/XXXX Account Name : HUNTER WARFIELD Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Original paid : {$140.00} RE : Payment {$140.00} was made to XXXX XXXX and Hunter Warfield is reporting collection on my credit for {$140.00} for the last 8 months. False reporting on my credit violation of fair credit reporting act. 

Original Creditor : XXXX XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL 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 2022-07-22
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and was shocked by my finding. I found several account that are not mines. XXXX XXXX Open on XXXX. I have no recall ever opening of this account. in the amount of XXXX is charged off. This account is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2020 I purchased the XXXX full monthly Experian membership as suggested to find a way to increase my score. The credit increase simulator tool suggested that I pay down my credit card utilization and I would get an increase of 66 points by doing so. I paid down that utilization to 0 dollars ( XXXX ) in total as instructed through the membership and instead it dropped my score 5 points. 

When I called on XX/XX/2020 I spoke with representative XXXX. Who could not explain why my score would have dropped and only understood my issue and concern. When I asked her who could explain it to me from Experian she suggested I hire a financial advisor as no one in the office is trained to know the answer to my question. When I asked her next what her ID number was in order to contact escalations and inform them of her lack of knowledge she did the Im sorry your phone is breaking up I can not hear you line and disconnected my call. 

I have been having an ongoing issue with Experian falsely and wrongfully decreasing my score and not helping me in understanding why. They falsely advertise that purchasing their membership is geared to help consumers in their process of credit rebuilding but do not help when you call. This is now my second complaint being filed with consumer finance on Experian since XX/XX/2020 and I still have yet to get any answers or return calls from someone more educated in the area. 
XXXX attempted to transfer me to the dispute department but there is nothing I can dispute this is solely an error or Experians end. I do not know what to do next but potentially take this to the news.

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 2022-04-18
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid {$87000.00} to the US Bank Home Mortgage company for XXXX XXXX XXXX XXXX XXXX Connecticut XXXX, to pay off monthly mortgage payments that were due from XXXX to XX/XX/XXXX. 

Thereafter, I made the following monthly Mortgage payments in the following order : On XX/XX/XXXX, I paid {$1100.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 

Before I paid {$1100.00} on XX/XX/XXXX as had been ordered by the US Bank Home XXXX XXXX XXXX the company had reported me to the Credit Bureau for late payment for thirty days on XX/XX/XXXX. I have already made seven more payments since when I paid {$87000.00}, ( three payments last year and 4 this year ). 

Sir, since I had already paid for the month of XX/XX/XXXX when I paid a lamp sum of {$87000.00} on XX/XX/XXXX, the payment of the {$1100.00} which I paid on XX/XX/XXXX, was supposed to cover for the month of XX/XX/XXXX. 

Sir, the US Bank Home Mortgage had no right whatsoever XXXX ) to report me to the credit Bureau since the month of XXXX was already covered at the time it made the report to Credit Bureau. 
XXXX ) To lied to the Credit Bureau that I was late one month on XX/XX/XXXX, in its falsified report. 
XXXX ) To grab my XXXX payment I paid on XX/XX/XXXX with the lamp sum of {$87000.00}.

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 2022-04-18
Company: Experian Information Solutions 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:
Dear Experian in reviewing my credit report from Experian, I found unauthorized account. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following accounts are unauthorized : 1. XXXX XXXX XXXX account number XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( 1 ) promptly 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 2016-08-01
Company: GREAT LAKES
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have student federal student loans. And for 3 years, beginning in 2011, I was contacted by many people from different companies, claiming that they could help me " consolidate '' my federal student loans. They told me that President XXXX, came out with ways so that us borrowers could now consolidate our student loans. 
Initially, for a few years, I did not respond and simply hung up on them, I do not know how they got my phone number to began with. Finally, after many telephone calls of constant pressuring me I listen to XXXX of these callers and they told me they would consolidate my loans for a fee. And for a year I paid this fee and an initial fee and when they " so called, consolidated my loans '', I was totally dissatisfied with who they consolidated my loans too. They put them all with " Great Lakes ''. I did not want them to be with Great Lakes and when I told them I was not satisfied with what they done to me, all they said was, " well, its done and there is nothing we can do about it, be glad they are consolidated. '' So now I am stuck with this Great Lakes company that I do not know and do not trust. I wanted to have XXXX XXXX consolidate all of my loans. 
I believe that I was used and thrown away, because they took my money and did not advise me in any way, shape, or form, as to what my possibilities/options were for companies that consolidate federal loans ; or explain anything to me. I was used and lied to. 
Is there any way that I can get my loans away from this Great Lakes Company? Would appreciate your help, I am sick of being used. I am a veteran and served my country honorably, I deserve to be treated better. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-04-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 2015-05-20
Company: Patient Account Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
i was admitted into the hospital XXXX XXXX XXXX XXXX XXXX through the emergency room on or about XXXX XXXX, 2014 I receive Medicare/Medicaid and gave the hospital my Medicare/caid card I was in the hospital for 4 days Medicare/caid paid for my emergency room visit and hospital stay and they notified me of that fact, another company contacted me name Patient Account Services ( PAS ) address XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX phone XXXX stating I owe for emergency room services in the amount of {$1100.00} to XXXX XXXX XXXX XXXX. XXXX XXXX date XXXX/XXXX/2014 and that they was reporting this account to the credit reporting agencies XXXX, XXXX and XXXX I did in fact inform these people that Medicare/Medicaid had in fact paid XXXX for my emergency room visit and hospital stay for XX/XX/2014-XX/XX/2014 and mailed them proof. I also informed them that they were committing Medicare fraud and that they were trying double/bill me to steal XXXX from me and i told them to cease and desist their fraud, they informed me that I could go to jail for non-payment of this debt ASAP and they did in fact report this fraudulent debt to the aforementioned credit reporting agencies and destroyed my credit, this is a fraud and this company is engaging in Medicare fraudulent activity against a vulnerable adult who is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX 2016 at XXXX., I realized a transaction for XXXX went through on my account causing it to go negative even though I did not authorize the transaction. I called Chase immediately and advised of the situation. I spoke to a representative named XXXX who assured me that he placed a stop payment on XXXX and that the funds will not be removed from my account. When I woke up on XXXX XXXX 2016 and checked my account, I noticed that the funds had actually cleared the account after I was promised that they would not and my account was still in negative. I called and spoke with another representative at XXXX who told me that there was nothing that could be done but to submit a dispute form that could take 7 to 10 business days to get my money back. I then asked to speak with somebody else that was higher in order to find a resolution. I spoke with another representative named XXXX who said she was a senior account representative, you also told me that there was nothing that could be done other than for me to go to a branch and submit a dispute form. I feel as though all of the work has been left on me to correct a problem that should have never even occurred because I did everything I was supposed to do as a consumer. I am very emotionally distraught as I write this because as I explained to them with my accountant native because of a transaction that was n't even supposed to go through that I have to wait 7 to 10 business days to be refunded for I do n't have enough money to put gas in my car or buy food for my kids or myself. And this is a huge concern, because it never should have happened in the first place. In addition, when I explained my situation and advise the senior representative XXXX that I only have enough gas to make it to the gas station all she could tell me to do was to swipe my debit card and hope it goes through. If it does n't go through then I would be stranded at a gas station. She also told me to try to swipe it to buy food for my children and hope it goes through. If it does n't go through, I 'm left looking like a fool at the grocery store with a cart of groceries that I ca n't even pay for even though I should because the money should be available in my account. This is emotionally affecting me because I 've always been able to provide for my children and I 've always done stuff the right way. And because of Chase and their representatives for the first time and not sure if I 'm going to be able to buy food for my children because of a mistake that they made on their behalf that they ca n't correct without me doing all the leg work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: C/C Financial
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the Fair Credit Reporting Act Preferred Lease 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 2018-01-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH 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