BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiries on my Equifax profile XXXX XXXX XXXX XXXX XXXXnquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My son past away XX/XX/16, his wallet which contained his bank card and bank account number was stolen from me while I was in hospital to see him. ( Police report filed ) A family member and an XXXX XXXX falsified his death certificate and used falsified death certificate to go into the TD Bank, Branch # XXXX, XXXX XXXX  XXXX XXXX, XXXX, PA XXXX and took out over {$3800.00} of funds and closed his account. This undocumented immigrant was not authorized to take this money. Person was not listed on account or listed as a beneficiary. Person was on parole and the time and still on parole. Vice President XXXX XXXX, Vice President is trying to cover fraud since she is involved with this undocumented immigrant and another business member of the community. The end result the other business member of the community received money he/she was not entitled too, as well as this undocumented immigrant who doesn't have proper identification to cash a check. ( Police reports filed ). I am the administrator of my son 's estate and I demand an investigation, return of funds. My son has outstanding funeral bills. I want these individuals prosecuted for this fraud. The law states you do not steal from the deceased without the proper probate paperwork. I spent one year legally to prove death certificate was falsified and thus it was amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: PNC Bank N.A.
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is also under my maiden at the bank. My maiden name XXXX XXXXXXXX On XX/XX/XXXX of 2020, I had made a purchase using my debit card that was through simple mobile banking who was taken over by BBVA then taken over by PNC. We had to postpone our stay multiple times due to covid. At the last minute our host cancelled. on XX/XX/XXXX, XXXX issued a refund to the original card/bank that was inactive. I informed XXXX immediately that the card was inactive and they continued to issue the refund and told me I need to contact the bank. I contacted PNC bank about this issue and they told me I would not receive the funds due to the multiple switch of banks accounts and could not research the transaction because it was originally purchased through simple mobile banking. They also stated that they could not provide written documents to XXXX. I have tried to resolve this issue with both XXXX  and PNC bank on MULTIPLE occasions. XXXX specialty team will/would only talk through a chat about this issue once I escalated it. The XXXX number that was provided from XXXX is XXXX. I provided that number to the bank and they stated they can not look it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX XXXX I was contacted by XXXX i told them the person they are calling for does not live here and to remove my number. they said they would remove the calls. on X/XX/17 I received another call by XXXX asking for same person to collect on. FIRST SOURCE is abusing my phone # and I am a senior citizen and a military family member.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-02-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2019-11-26
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have not received NFCU client/member payment as stipulated by CFPB Consent Order ( XXXX XXXX ). 
Has NFCU filed a successful appeal to the CFPB Consent Order ( XXXX ) XX/XX/XXXX decision. 
I experienced 99.9 % of the negative actions you penalized NFCU for. 
My name is surely on the list of NFCU victims, additionally NFCU and I both have submitted documentation that comports my NFCU membership before, during and after the ( XXXX ) criminal period. 
Their NFCU spokeswomans written prevarication to CFPB denies your allegations that they havent attacked me in said manner, but please be advised that my NFCU account is still frozen and they are still promulgating fraudulent writs about my account in their corporate records. 
Any pecuniary deposits that come in to accounts in my name, they immediately confiscate those funds and purport to be blameless. 
I am requesting that you enforce your NFCU Consent Order and force them to pay me my portion of the payout as they were ordered to do. 
/r/ XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: TX
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:
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to XXXX experian and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.

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 2022-07-08
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our XXXX accounts have been blocked by Citi and we no longer have access to it, nor can we withdraw funds. We have made repeated calls, and the customer service team either disconnects the phone, puts on lengthy hold, or tells us that someone will call me back. No one has contacted us back to resolve the issue and our funds and accounts are frozen. We want to retrieve our money and close all accounts with Citi and they are refusing and unable to help.

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 monetary relief
Consumer complaint received 2017-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: TX
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:
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax XXXX and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a fraud alert to help protect me as advised. I am now attempting to apply for a loan through a credit union who can not pull my Experian credit report due to the consumer statement that needs to be removed. I contacted Experian and they assured me through the dispute process the entry was removed. This took place over XXXX hours ago which is their maximum processing time. I called them to confirm since it still shows on my report. I was lied to and given the run around for hours while trying to fix a very simple issue I am an identity works customer and am able to verify my information and have several times but am getting nowhere I need help please advise as Experian customer service program is detrimental to the security of MY LIFE!!!!

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 2021-08-24
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXX PenFed Credit Union XXXX. XXXX XXXX XXXX NE XXXX Reference : PenFed XXXX XXXX XXXX card ending in XXXXimproper application of payments To Whom It May Concern : After reviewing my credit card statement ( s ) and speaking with numerous representatives at PenFed, it is my belief that you are not only improperly applying payments but also blaming government regulations for requiring you [ PenFed ] to apply payments in this manner. 

For instance, on the above stated credit card account, the following balance transfers were made based on a 0 % promotional financing offer : XX/XX/XXXX {$4700.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$5500.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$2900.00} 0 % Promo expires XX/XX/XXXX Being that the first two balance transfer promo rates expires on XX/XX/XXXX, I have been paying large payments to get those paid off. Unfortunately, for some reason that NO ONE at PenFed has yet to explain after numerous calls and sitting on hold for excessive periods of time, the payments are being applied to the XX/XX/XXXX balance transfer rather than the soon-to-be expiring XXXX promo expiration amounts. 

My understanding of the regulations that your employees are quick to blame are that payments should be applied to highest rate items and then to promotional balances if a payment is made that exceeds the minimum payment. Basically, the principal is that the consumers payments are applied in a manner most advantageous to the consumer. Even if that is not the case, why would PenFed take the most egregious method to the consumer to apply large payments to a promotional balance that expires 7 months after the promotional balance that I will soon be penalized for not having paid off before the 0 % expired? 

I do expect an answer and I would encourage a more thorough training program for your employees so that proper remedies or explanations can be provided to your customers. A simple the government makes us do it that way may work for some but it doesnt for me. 

Further, when a customer calls with a complaint or issue with their account ( s ), it should be escalated per the regulations that are quickly blamed versus telling a customer it will be checked in to and then nothing happens. 
I can be reached at XXXX or XXXX. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL 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 2018-06-02
Company: Experian Information Solutions Inc.
State: AL
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 hippa Violation I didnt give consent of permission too have my information shared too a collection agency and or 3rd party!!!

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 2017-08-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have applied for American Express Delta SkyMiles Credit Card on XX/XX/2017, and got a mail directly to my home a week later, say that I got approved and the card should arrive within 7-10 business days.
However, I did n't received that after 4 weeks. On XX/XX/2017. I chatted online with one of the representative online, and they claimed the card was lost and promised a replacement will arrive on XX/XX/2017. I still did n't get that on that day and I had to contact them again. This time they kept dodging my questions and did n't admit the card was lost. They said the card would finally arrive on XX/XX/2017, exactly a month after the application and the card was sent an address different from my home. I believe there must be something in their system since I chose to let them send the card to my home address, which was always my billing address and I can not get approved if the address is wrong.
I applied for that card because I want to use that to buy fly tickets for my trip starting on XX/XX/XXXX and now I am unable to use any benefit of that. Moreover, the flight ticket has risen by about {$100.00} during my visiting. I have contacted their customer service and they can not provide a satisfactory solution.

Company response to consumer: Closed with monetary relief