BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-07
Company: Accelerated Servicing Group LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated phone calls from company ASG XXXX stating I owe Debt and that they are contacting me or my lawyer. No letter to home showing original debtor from this company or any amounts or account balances owed. When researching the company ASG online prior to contacting them. I found articles warning they are a Scam company and it advised to not call or contact company as they are fraudulent debtor ( even to not visit company website ) The last number calling me was XXXX at XXXX in WA XXXX XXXX and XXXX. They are always pre-recorded or computer generated messages.. 

I am fearful to contact this company due to my findings and putting my self in a position of fraud but understand that if the company is a valid institute any claim of debt is my responsibility.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have already filed a complaint this will be my second one. I had approximately XXXX of unauthorized transactions on my bank account ( BB & t ) now Truist. I followed their procedures provided all required documents required and they denied my claim. Well the story just broke and I am not alone there were several other with same problem. They are getting their money back and I need to know what do so I can try and get my money back.

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 2022-06-29
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:
In accordance with the fair credit reporting act XXXX XXXX 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 2022-06-29
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:
Experian is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/2022 requesting that Transunion reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, they have failed to respond to my request. Transunion must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX

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 2022-06-07
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act 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 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 2022-06-29
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:
I need all of the following items on this letter removed from my credit or I will be suing for each of the violations listed. No automated responses, I need a reply telling me why you all havent properly investigated my credit report. I know that the items werent investigated because an investigation is supposed to take 30 days instead of only a few days

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 2022-06-29
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act 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 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 2022-06-29
Company: Genesis FS Card Services, Inc.
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: Personal information incorrect

Complaint:
XXXX continues to report information on my address incorrect : I have never in life live at XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX 
XXXX and XXXX continues to report inaccurate credit card information probably at that address : XXXX  and XXXX report accounts showing charged off that is not connected to me or my address. 
My address is : XXXX XXXX XXXX XXXX, Texas XXXX and my mailing address is and has been for the past 9 or ten years XXXX XXXX XXXX XXXX, Texas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX 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 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 2023-08-17
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: Reporting company used your report improperly

Complaint:
This presents a violation according to the regulations within 15 U.S. Code 1681s-2, which delineates the responsibilities of entities that furnish information to consumer reporting agencies. Prior to its reporting, no written notice regarding the account was provided. Consequently, I am formally requesting the elimination of this account from my credit report, as I contest the validity of the alleged debt. Additionally, this action appears to contravene my rights as outlined in 15 U.S. Code 1681b ( 2 ), which specifies acceptable purposes for consumer reports. The account was reported without my explicit consent, and it seems that my social security information has been utilized improperly. Given my status as an identity theft victim, it is crucial to emphasize that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. As per 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to respect my privacy rights. Nonetheless, it is evident that my privacy rights as a consumer have been transgressed, as the information was disseminated publicly without my authorization. Accordingly, I hereby formally insist upon the prompt removal of this account from my credit report.

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 2022-06-29
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a horrible experience with Marcus customer service when I tried to perform an outbound ACH transfer to a linked external bank from my Marcus savings account ending in XXXX on XX/XX/XXXX and XXXX. Marcus Bank held my money for two days due to no fault of my own. The lack of knowledge and training exhibited by the customer service representatives were very concerning. 
Most of the agents just keep repeating the same thing over and over as if they are reading from a script. They do not seem to be capable of dealing with issues which they are not familiar with. I wasted many hours on the phone with multiple agents and suffered financial damages and wasted many huors of my time. Below is a timeline of events. 

XX/XX/XXXX XXXX - Spoke with a supervisor who helped me submit an outbound ACH transfer request to a linked external bank account and was told someone will call me soon for PIN verification. 
XXXX - Called Marcus because I did not receive a PIN call and was told to keep waiting. 
XXXX - called customer service again and was told someone will call me for the PIN and told me to keep waiting. 
XXXX - called customer service again since no PIN call was received and was told to call back the next day. 
XX/XX/XXXX XXXX - My Marcus account was frozen and I was not able to log in, so I called customer service and was connected with someone in the fraud department who wanted to setup a three way call with the external bank to verify my account ownership at the external bank. he put me onhold to call the external bank. then he tells me the agent at the externalbank told him they do not do third party verifications and he removed the linked bank account from my profile. I later called the external bank and was told the bank does allow third party verification but they were suspicious of him and they refused to give out any customer information to him. 
XXXX - Called customer service and spoke with a supervisor who helped me submit an outbound wire transfer request to the same external bank account and was told someone will call me soon for PIN verification. 
XXXX - No PIN call was received and I did not want to wait for the PIN call which might never happen so I called customer service again. 
Finally I spoke with a supervisor named XXXX who was very knowledgeable about the issue and helped me complete the PIN call and connected me with someone from the fraud department who setup a three way call with the external bank and verified my account ownership. The wire transfer was completed the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Friday, XX/XX/XXXX, I contacted PNC through virtual message to ensure if I downgraded my virtual wallet checking account that my promotional offer already received would not be affected. I was assured it would not be, and given instructions on how to downgrade the account online myself. Even though it is technically a single virtual wallet account, any of the virtual wallets are actually divided into XXXX " accounts '' ( spend, growth, reserve ). In XXXX, the only deposit accountI have with PNC is the XXXX virtual wallet checking account. 

On Saturday, XX/XX/XXXX I completed what I thought was the simple online process as outlined to me the previous day of clicking a couple buttons to downgrade my PNC Performance Spend ( Virtual Wallet ) to the lowest level Virtual Wallet offered at PNC. Although I did reach a screen congratulating me on picking the right virtual wallet account for me, severalerror messages popped up also. When I went to my account home page, instead of having the Virtual Wallet ( which is always XXXX separate accounts, but all VWs ), I had two " Interest Checking '' accounts and one " Premiere Savings Account ''. This concerned me, as I know at least with the savings account, there is a hefty monthly fee associated with not having a minimum balance ( which I do not have ). 
I contacted PNC right after this on Saturday XX/XX/XXXX via chat. I was told that it should resolve overnight and to contact them again if it wasn't the next day. I contacted PNC again via chat in the afternoon of Sunday XX/XX/XXXX as instructed, as the accounts were still not corrected. At this time, I was told it would be escalated in the next 1-2 business days. My escalation # XXXX. 

On Monday, XX/XX/XXXX I logged into PNC again to see if it was corrected. It was not. There was a change though- I DID have A regular Virtual Wallet account ( But only 1, not 3 ) and I now had a " Standard Checking '' and still a " Premiere Money Market '' account which are not correct. When I contacted PNC on Monday XX/XX/XXXX via chat, I was told to wait another 2-3 business days. 

As of XX/XX/XXXX, nothing further has changed. I have only a single virtual wallet account ( not divided into XXXX separate XXXX accounts as is standard ) and still have the " phantom '' Standard Checking '' and " Premiere Money Market '' savings accounts that resulted from some PNC IT issue in the downgrade process. I do not wish to wait for this simple issue to drag on for weeks or months while I end up being charged low balance fees etc. on these phantom accounts that I did not agree to open. I only ever opened a single virtual wallet account. Standard Checking and Premiere Money Market accounts are NOT virtual wallet accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: DISCOVER BANK
State: GA
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:
Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with discover bank removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that XXXX am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, discover bank, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
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:
I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRUIST FINANCIAL CORPORATION
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 disputed this company no knowledge of who this company is.

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