BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included Experian and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge and a XXXX  that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included Experian and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.

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 2023-08-11
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I attempted to access my checking account to pay my bills and was unable to enter my account. I entered the login information correctly and was kicked out immediately. Received an email warning me of a duplicate session. I called the bank and went through the routine, clear your browser, etc, etc. I was told the issue would be resolved by close of business that day. I tried logging in the next morning XX/XX/XXXX and the same thing happens. I called again and was told I would receive a call from the bank. The call never happened, On XX/XX/XXXX, XXXX, XXXX, XXXX did the same thing. Could not login, called the bank everyday and was told they were working on it. That they had many customer issues to take care of and would get back to me. At this point my bills are already going to be late for payments. I asked the rep to just have my account reset. To send me a link via email to do so. Apparently that is not possible? This is ridiculous! Today is XX/XX/. I still can not access my First BanCorp account. AKA 1First Bank in Puerto Rico. The level of disregard for customers in the banking industry on this island is beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX, XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-05-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.

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 2022-12-03
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I ordered a Brooks Brothers store Mastercard, issued by CitiBank replacement credit card after a fraud event and the card was lost. 

I ordered one replacement card that never arrived. After two weeks of waiting I ordered another after a call to their card services department. Three weeks later my card never arrived. Attempt # 3, I waited two more weeks for a card and it never arrived. I then finally received the card from Attempt # 2 and can not activate it. I am trying to do a balance transfer on this account and I can not be provided with my account number to do the transaction since they will not tell me over the phone despite being verified using multiple factor authentication. 

This is abusive practices under the UDAAP criteria the CFPB has published.

1. I can not avoid the injury since I am refused my account number even though I pass security measures.

2. I can not remove the balance on the card via transfer and have to pay interest while this balance is mailed.

3. I am denied use of my account since I have no access device.

4. I have reasonably attempted on numerous occasions to resolve this and my card never arrives timely. This includes using another house I own with a different address to ensure it is not an issue with the postal network.

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 2023-08-14
Company: Genesis FS Card Services, Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend physical therapy. 

Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to COVID-19. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company XXXX XXXX XXXX . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.

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 2023-08-10
Company: PNC Bank N.A.
State: OH
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 have a credit card with PNC. I have made perfect payments for over XXXX years, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a hurricane hit a few years ago. XXXX. I had a brain cyst and several mini strokes. I went XXXX for a short time XXXX. I had numerous surgeries where my XXXX stopped beating. XXXX. I got XXXX XXXX ( XXXX of 3 times ) during XXXX of the surgeries. I was on a ventilator. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over XXXX years of rehab to build myself back up. XXXX. I managed to keep my job until the pandemic when they laid me off after XXXX years. 14 months later my job was eliminated. And I still paid my bills on time. XXXX I applied for over XXXX jobs and have been unsucessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. XXXX. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself XXXX. My spouse emptied our retirement account. XXXX. Due to hacking, XXXX XXXX, XXXX, and other credit cards and XXXX of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. XXXX. Up to XX/XX/XXXX, Bills have were paid on time. XXXX. I called PNC the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any Covid XXXX programs. They said sorry we can not help you until you are late with your bills. I said XXXX being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. PNC has not replied to requests. PNC has not reach out to me about this. PNC this week decided to file court action in a attempt to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report 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 2023-12-01
Company: Experian Information Solutions Inc.
State: NV
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 requested that the inquiries be immediately deleted, I did not authorize any of the companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XXXX 2023, I purchased a Reloadit Card with a value of {$350.00} from a local grocery store. Despite my initial reluctance, I engaged in unsuccessful attempts to load funds onto the card via the company 's website, encountering communication challenges with customer service representatives based in XXXX XXXX. Subsequently, I opted for a refund due to the perceived sketchiness of the situation. 

Upon contacting customer service, I was informed that the only available refund method was a mailed check, deviating from my original cash payment. Reluctantly, I complied with their request for personal documentation, including a picture of my ID, the receipt, the card, and proof of address, all communicated through email, Despite their assurance of sending an expedited check, the process extended beyond the stipulated time frame. After several exchanges, a representative claimed the check had been sent, providing a check number but omitting details such as the issuing bank. Upon expressing concern and requesting certified or registered mail for the check, my request was disregarded. 

Further complications arose when subsequent checks were promised but not dispatched. Communication breakdowns persisted, with conflicting Information regarding the status of the checks. Requests to speak with management were unmet, and promises of callbacks went unfulfilled. 


As a senior citizen facing challenges due to XXXX, this prolonged and distressing situation has added an undue burden. The assistance of my son has been crucial in navigating the complexities of email communication and phone calls related to this matter. The stress induced by this ordeal is bated by my XXXX, and the funds in question hold significant importance, as they were earmarked for critical expenses. 
I am reaching out for assistance in resolving this matter and obtaining the refund I am rightfully owed. 
Your support in getting this issue promptly would be greatly appreciated.

Company response to consumer: Closed with explanation