BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXXXXXX XXXX, notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX. However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX  deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXXXXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXX XXXXXXXX XXXX actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello when I was XXXX I went to trade school and took out 2 Federal Loans through XXXX in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX 2nd Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.

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 2023-10-05
Company: EQUIFAX, INC.
State: NJ
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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:
This is a formal complaint that Credit Bureaus ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I am fully aware that credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX and at XXXX my debit card was unlinked from my account another card was added and my money was deposited into that account. I contacted cash app support to let them know about the issue they did an investigation of XXXX mins and denied my claim. I then ask for them to send the documents on why it was denied and it has yet to be sent even though it took them XXXX mins to deny

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Amex offer its Platinum card holders a {$15.00} per month credit for uber purchases. I used the card XXXX times over the last 3 years for purchases with XXXX. They refuse to give me the credit that they offer as a benefit. I spoke to XXXX at XXXX and he refused to give me the {$15.00} credit. I asked for a Supervisor to review the situation and still they refused to give me the credit for the 14 months that I was owed. Supervisors name is XXXX. I feel that they mislead me into paying a {$700.00} a year fee to get this benefit and now they won't give me the benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
-- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTIC E TO AGENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HERE ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY, INTEREST AND RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXXWELLS FARGO YOU HAVE RESPONDED THAT YOU ALLEGEDLY NEED MORE INFORMATION ON WHAT I AM TALKING ABOUT. FOR HOW IS THAT A FACT WHEN YOU HAVE BEEN RESPONDING TO ME IN REGARDS TO MY CREDIT APPLICATION WITH YOU FOR IF YOU NEED MORE INFORMATION HOW IS IT POSSIBLE FOR YOU TO RESPOND ACCORDINGLY IN THIS MATTER. ENOUGH WITH THE STALL TACTICS, I AM TIRED OF THESE CHILDISH BACK AND FORHT GAMES WITH YOU, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SO I WILL KEEP THIS UPDATE CLAIM SIMPLE. ACCEPT MY ORIGINAL CREDIT APPLICATION AS PRINCIPAL INTENDED OR RETURN TO ME MY ORIGINAL CREDIT APPLICATION/SECURITY UNDER TRUTH IN LENDING OR YOU WILL BE HELD LIABLE UNDER TRUTH IN LENDING, THE SECURITY EXCHANGE ACT OF 1934 WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO ENFORCE LIABILITY FOR SECURITIES FRAUD AND WILL BE HELD LIABLE UNDER THE EQUAL CREDIT OPPORTUNITY ACT FOR DISCRIMINMATION DENYING ME A GRANTED RIGHT TO CREDIT AS WELL AS HAVE IRS FORMS 3949a AND 211 FILED AGAINST YOU. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE IN FACT ATEMPTED TO CALL 3 TIMES AND HAVE EVEN LEFT A MESSEGE AND HAVE RECEIVED NO RESPONSE FROM YOU -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE HERE BY PUT ON PROPER NOTICE OF YOUR VIOLATIONS AND ALL COMMUNICATION WILL BE KEPT AND RECORDED SUCH IN CASE MATTERS SHOULD ESCALATE.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My ex husband has used my SS number and has rang up a lot of inquiries that are NOT mine. I have had to call credit card companies and other places to get things I did not sign up for cancelled.

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 2023-11-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
It has been XXXX months since i have sent thid company a notice to opt me out of reporting the following account XXXX XXXX from my consumer reports. Please respond to my dispute I am tired of waiting for a response. All investigations must be done withn XXXX  days and at the very latest XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Collection account from 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2015-08-25
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was making a cash deposit at PNC ATM in XXXX, PA and the ATM broke down during the transaction and it did not credit my account and did not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to formally file a complaint regarding the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report. Despite multiple efforts, the inaccurate information remains, adversely affecting my creditworthiness and financial standing.

I have made multiple attempts to address this matter by contacting your agency through various means, including written correspondence and phone calls. Despite these efforts, the fraudulent items persist on my credit report.

Enclosed with this letter, please find supporting documentation that substantiates my claim of fraud and clearly illustrates the inaccuracies present on my credit report. I have attached : List of Documents, such as identity theft report.

I request that you conduct a thorough and expedited investigation into the fraudulent items outlined above. The continued presence of this inaccurate information is causing significant harm to my financial well-being, and I urge you to take prompt corrective action.

Conduct a comprehensive investigation into the fraudulent items listed.

Remove the inaccuracies promptly and update my credit report accordingly.

Provide written confirmation of the resolution and the actions taken.

If this matter is not addressed in a timely and satisfactory manner, I am prepared to escalate this complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). I am asking for your assistance to remove these fraudulent items in my credit 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 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief