BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I only became aware of this fraudulent activity when attempting to purchase a house. The false information on my credit report is not only defamatory to my character but is also impeding my ability to achieve a major life milestone. This situation is causing me undue stress and financial harm. 

According to the 15 U.S.C 1681 law, there should be no damages to my credit report resulting from identity theft, and I am seeking your assistance in ensuring that my credit history accurately reflects my financial responsibility.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 XXXX XXXX XXXX XXXX Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 XXXX XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit

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 2023-11-02
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: DISCOVER BANK
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Discover Card refuses to call back or respond. I have complained here about at least XXXX separate, different issues and they automatically close all my complaints saying they are duplicates even when they aren't. I call and they claim they can't help me because it's the wrong department and they have to transfer me, but either they disconnect me, they transfer me to a line that is closed and automatically hangs up, or they claim their computer system is down and someone will call me back. This has been going on for XXXX years now and not a single person has called me back or responded to an email not once. Discover is stealing money from people by adding charges to their accounts and they refuse to give consumers a chance to get it fixed by blocking all lines of communication. This is absurd and needs to be stopped right away. It should also be noted that I have had XXXX fake charges on my account in XXXX year 's time and they refuse to respond, claiming ANY dispute is the same as a previous one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-04-24
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXXXXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} ) , XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I went to the PNC bank to get a duplicate card. I sat for 45 minutes and watch the bank teller help other customers who basically ignored me. He began assisting walk-in customers who came after me and left before me. I am XXXX with a support animal and I felt that I was overlooked and treated unfavorably. In addition, I am a XXXX female. He decided to come back to me 45 minutes later after checking out his walk-in customers stating that the machine is broken and that the bank manager apologized and that my debit card will be expedited shipping and gave my support animal a toy. I left the bank and was upset and did not show it really. I received an email two days later on XX/XX/XXXX confirming that I received my debit card. I called the bank 's online customer service and the female inform me that my card will come on XX/XX/XXXX. 

On XX/XX/XXXX when I noticed my card was not in the mail I contacted the PNC bank again. I said the whole story again what happen and how I received an email confirming that my card was given to me on XX/XX/XXXX and I never received it. She told me that she spoke to her co-worker XXXX and gave me a reference number # XXXX that my card is expedited again and will be delivered by Tuesday XX/XX/XXXX. 

I found out on Saturday XX/XX/XXXX that my card was used! The PNC customer service rep fabricate that my card was expedited on Friday was not true. I called online bank and the customer service person was very disrespectful towards me. He acted egregious and I had to basically fabricate that I was at the police station and need to speak to a supervisor. He did not feel that it was not an emergency that my account was not secured and my card was used by someone. He finally put an online manager on the phone. She stayed on the phone with me until I reach the bank location to stop any false transactions with this card and change the card. 

The wait was about 40 minutes until I was called. I request the bank manager he never showed his face. A lady assisted me and she gave me a new card and then found during this time the person who used the card did not get any money from the account. 
I did speak to the Escalation department she listen to what I had to say respectfully. However, the XXXX PNC bank manager called this a mistake downplaying what is advertised as a secured bank and making excuses for her employees. I do not feel secure and my concerns are swept under the rug. Why did the bank fabricate that they expedited a card twice and it never happened? The email states they gave my card to me when it never happened is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information. 

No SSA-89 form for furnished information ( s ).

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 2022-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX acct # XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXX  acct XXXX XXXX. XXXX XXXX XXXX  # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: CT
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 have tried over a dozen times to reach EXPERIAN on the phone. They have made it impossible to speak to a live person. I have resorted to emailing their CEO, XXXX XXXX to have someone contact me. I need to speak to someone to thaw my credit freeze because I'm applying for credit.

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 2021-08-03
Company: World Acceptance Corporation
State: TX
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 contacted XXXX numerous times after numerous times. I submitted a FTC AFFIDAVIT WITH ALL REUQIRED DOCUMENT INCLUDED. I am a victim of identity theft, someone used my personal information for personal gain. 

XXXX latest report deleted everything but refuse to delete the collection accounts on my credit which is also fraud and unauthorized- WORLD FINANCE CORPORATION REFLECTING AS A CHARGE OFF ON MY CREDIT WHICH IS INCORRECT. I also contacted creditor and submitted etc affidavit to World Finance as well. XX/XX/2021 XXXX XXXX XXXX- ORIGINAL CREDITOR XXXX XXXX XXXX - THIS IS A FRAUD UNAUTHORIZED ACCOUNT THA T WAS NOT AUTHORIZED BY ME ON MY CREDIT REPORT THAT SHOULD BE REMOVED IMMEDIATELY. I ALSO CONTACT CREDITOR AND SENT FTC AFFIDAVIT TO THEM AS WELL XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NC
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXXXXXX XXXX Account XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 is missing that should be on the report

Complaint:
I had some Fraud Transaction from USAA and they kept telling me to call this number which I have over and over ( XXXX ) XXXX and then when i contact their direct manager they told me that they never gotten any voice mail???? isn't that odd? at least try to call me back when i left you multiply message and you respond to that USAA but you couldn't or don't want to call me back, what the deal!!! COVID 19 is going around and USAA doesn't care about helping nobody ... .stop charging me with Fraud ... ..I called you guys so many time ... are you guys even working??? I even left you guys a message and you guys could only respond to that and kept telling me to call that XXXX XXXX XXXX number which i have so many time, just to find out that nobody want to pick up or call me back ... ..so kind of company this is ... and I should have done my research about this horrible company ... I just hope everyone see this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2023 I disputed inaccurate information on my consumer report though equifax about XXXX credit bureau. XXXX fail to provide notice of dispute a violation of 623 a 3 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter of XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2022-09-19
Company: EQUIFAX, INC.
State: KY
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:
In XX/XX/2022 I already disputed this and information is correct. The Open/ closed is incorrect, late payments are incorrect, and the balance is incorrect. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022 through XX/XX/2022 each and every day XX/XX/2022 through XX/XX/2022 each and every day Portfolio services called me. I have all call logs on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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:
XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXXXXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation