BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: MI
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:
Equifax and XXXX is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging Equifax and XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to purchase a home since XX/XX/2021. My lender along with other banks have not been able to obtain my credit report from equifax. There is no block or freeze. Equifax will not provide my score or file to any lender. I have called equifax 5 times over the last 12 months. When I do finally speak to them they tell me I need to verify my identity by sending in a copy of my DL and Social Security card. The representatives at equifax have all told me that a block was out on my credit file by equifax, not me.I have done this 5 times. Once they get the documentation from me they then send me a letter saying my dispute has been resolved. They have done nothing. I recently tried to refinance my vehicle with my credit union. I was denied by them and they sent me a letter stating the reason why is because I do not have a credit file with equifax. No one at equifax seems to understand how to fix my issue. I just need help getting equifax to release my credit file and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. 

I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. 

I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. 

With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. 

I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. 

PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion requires consumers to establish an account for disputes, issues and feedback. TransUnion will not accept my last name XXXX XXXX to establish an account and provides the following message : Sorry, but we can only accept letters, apostrophes, and hyphens for your last name. Please re-enter. My last name does not have a hyphen and TransUnions system does not allow spaces. Consequently, I can not establish an account.

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 2022-12-25
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I Made A Purchase XX/XX/2022 For XXXX For A Laptop Computer On XXXX And At That Time I Wasn't Aware That It Was A Third Party Selling On XXXX 's Web Site.This Third Party Falsely Advertised This Laptop 's Specification 's So I Opened A Dispute With Discover. I Been A Customer With Discover For 28 Years And Never Been Disrespected Like This Before, I Uploaded All The Necessary Documents Supporting My Reason For The Dispute so They Gave Me a Temporary Credit, Then We Were Waiting For The Third Party To Respond, When The Third Party Responded They Said I Violated Their Return Policy And Discover Completely Ignored The reason For My Dispute And Found It To Be In Their Favor And Said the Transaction Was Valid. I Reopened The Dispute Multiple Times And Each Time I Called Discover And Explained That This Wasn't About A return Policy, I Called At least XXXX Times And Spoke To Multiple Different Supervisors And They Continued To Tell me The Transaction Was Valid, I Was Treated Very Rudely And Was Even Hung Up on A XXXXple Times. Then I Made A couple Complaints About A Couple Of Employees. I Have Uploaded Documents Supporting This Issue. At This Time They Again Are Waiting For Their Response. They Keep Using The Same Reason And Discover Continues To Close The Dispute In Their Favor. When You Look At my Documents Supporting This Dispute You Will See This Is More Than Just False Advertising And That This Was No Mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: FC HoldCo LLC
State: IL
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:
XXXX XX/XX/XXXXXXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, 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
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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 USC 1681. 

XXXX XXXX : # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: OR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 explanation
Consumer complaint received 2023-07-01
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:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
We purchased over XXXX in gift cards in last 3 years, and now, after we gave a few out they seem to have already been used. American Express issued them, but now they tell me I have to first find every fraudulent transaction on each individual card, and then contact each merchant and dispute the individually charges with them. 
These cards never left the envelope they came in, but I hope there is a more efficient method to resolve this as I do not have enough time to call that many merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed this XXXX XXXX bankruptcy several times with the credit bureau Experian. In XXXX of 2023 my dispute was completed, when the dispute was concluded the response was verified as accurate with the Texas US Bankruptcy court. I previously contacted the bankruptcy court and their response was that they do not verify records with any credit bureau or any entity for that matter their response is enclosed.

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 2022-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted mortgage loan servicer SPS on a number of occasions to request the automatic termination of PMI payments in accordance with my loan agreement. The date listed in my original loan agreement with XXXX for automatic termination is : XX/XX/XXXX. My account history shows that I am well within what is defined in the contract as " good payment history ''. I provided copies of the document to SPS who insists I need to pay an appraisal fee of {$450.00} in order to have the PMI payments removed. The original purchase price on XX/XX/XXXX was {$270000.00}. The current value of my townhome is over {$40000.00} and readily available based on current sales of identical properties in the development.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A company repeatedly charged my CashApp card attempting to drain all funds. They were able to get {$150.00} ( all that was available ). This is has been disputed at CashApp support. 

Hi there, I'm XXXX, a XXXX XXXX for Cash App. After reviewing your case, I can see that you have an unrecognized transaction. 


Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX XXXX Captured {$50.00} XXXX Card Not Present Purchase ACQRA *innskins We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Thanks for your continued patience while your claim is under review. 

XXXX XXXX. 
Cash App XXXX XXXX ref : XXXX : ref -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is XXXX XXXX Cash App XXXX After reviewing your case, I can see that you have an unrecognized transaction with XXXX XXXX 

Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX EST Captured {$100.00} XXXX Card Not Present Purchase XXXX XXXX We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX Practices ( https : XXXX ). 

Thanks for your continued patience while your claim is under review. 

Best regards, XXXX Cash App disputes ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26
Company: Bread Financial Holdings, Inc.
State: AZ
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 paid off my credit card balance with Comenity Bank, however, they have refused to update my credit reports with the {$0.00} balance. Instead, the reports all still show a balance owed on the account. I have requested that Comenity Bank update the credit report balance, but they have been non-compliant. The canned response is that " Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time ... '', but that they " expect to provide an update to the credit reporting agencies within XXXX billing cycles. '' It's been XXXX months and they still haven't updated their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX Credit Card ( with Comenity Capital Bank as actual provider ) advertises zero interest for purchases of {$190.00} or more if paid in full within six months. On XX/XX/XXXX, I applied for the credit card after being advised by XXXX of the promotional rate ( specifically because of the promotional rate ) and made a brakes purchase of {$810.00}. Instead of receiving the zero interest promotional rate, Comenity Capital Bank immediately began charging me 25.99 % interest. When I noticed these interest charges some weeks later, I immediately contacted Comenity customer care both by phone and email. The bank admits that a promotional purchase should have been available- in fact, they state that I was eligible for 12 months at zero interest. Yet they maintain these fraudulent interest charges can not be removed because the order was " processed '' wrongly at the store level. The website to apply for the card XXXX XXXX XXXX XXXX ) very clear states an unequivocal policy. In fact, they use that policy as the primary promotion for the card and it is listed in bold at the top : " ZERO INTEREST IF PAID IN FULL WITHIN 6 MONTHS '' " On purchases of {$190.00} or more made with your XXXX Credit Card. '' I have given the company numerous opportunities to resolve this matter directly and they have indicated it is not their policy to do so, even though I have advised them of the false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX. Despite sending them a debt validation letter requesting proof of the debt on XXXX they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.

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