BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, XXXX, I was charged a late fee on my PNC credit card due to an automatic payment failure on the PNC 's part. Once I noticed the failure, I manually paid the balance on XXXX XXXX. I called PNC and talked to them about the error but they would not remove the late fee. I set up the automatic payment feature to avoid these types of issues and now due to their system failure, I have been charged {$25.00}. I am requesting my {$25.00} late fee be removed. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XXXX/XXXX/17 I sent a Money Gram to a XXXX XXXX out of Kansas city Mo. For an SBA grant program. The name of the person who told me to send {$300.00} via money gram is XXXX XXXX XXXX out O, Oregon ( not sure of the city ), XXXX XXXX XXXX pick up the money and ask me for more money the next day the amount {$850.00} which I did not send. After I ask for a refund he would not comply. Finding out that this was a scam through Faceboook ( other person involved is XXXX XXXX of Oregon also. 

XXXX XXXX XXXX claims that he works for the SBA Federal Grant Program, Which helps people pay their bills. All I need is help so that I can get my money back and also file a report with the FBI. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-09-08
Company: EQUIFAX, INC.
State: OH
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 the wake of the news reports confirming that Equifax had security practices which led to the improper disclosure of personal information, I visited XXXX XXXX/XXXX/XXXX where Equifax informed me that my " personal information may have been impacted '' by their data security failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information, potentially my DOB amd SSN have been compramised as part of the Equifax Data Breach known by Equifax as of XX/XX/XXXX.
I was not notified that my data was at risk and am now forced to take actions preventing theft of my identity for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcement, basically profiting off consumer misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXXand the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2019-07-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Department of Education have active federal student loans reporting on my credit report. I am still currently a student and these loans should not be reporting as a debt. Reporting these balances has lowered my credit so that my credit can not reach a 625. I've had numerous of loans and credit cards that have been paid with 100 % payment history for 7 years. Yet, i can not get approved for a car loan. It should be unconstitutional to report a debt that is not yet owed until the student is finished with college. I still have years before I finish and this is hindering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Regions online on XX/XX/2022. I had a direct deposit sent to my account on XX/XX/2022 in the amount of {$1600.00} from a installment loan company that works with my job ( XXXX XXXX XXXX XXXX  ) and it was pending in the account. On XX/XX/2022 the deposit completely disappeared so I called the XXXX branch because the one in XXXX fl was closed. They told me to call customer service because they couldnt see any deposits or anything on my account and customer service could see more of my account information. So I call the customer service number and the associate I spoke with was very dismissive even implying that I was lieing about the deposit altogether and she said that I needed to go into a branch and that the branch can see more info than them. So I drive 45 mins to the branch in XXXX. Show the associate the text message I received saying that the deposit was made to my account and he told me that my account was closed because I didnt pass the screening process and that the direct deposit was rejected for that reason. XX/XX/2022 I received an email from regions saying that I need to fund my account. So I contact regions asking how can I fund a closed account and I am told that my account is still open. So I called the loan company and they said they were told by regions that the account was open but it was frozen. Now i am being denied for the loan and its all because of regions and their lies and negligence. My first and last time banking with regions

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 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax experienced a security breach where over 100 million people were affected. This was discovered over one month ago however they did not disclose this information to those affected. I only found out that they had been breached via news outlets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit report and saw the LVNV funding LLC was reporting a negative count on my credit report I disputed this account through XXXX app but nothing came from it. It only says the Account was updated in the dispute is complete. Pursuant to 15 USC 1681b ( a ) 2 of the Fair credit reporting act it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave LVNV funding LLC any written instructions to furnish anything on my credit report this is a violation of the fair credit reporting act. This account should be removed immediately to prevent me from receiving further injury to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: OPORTUN 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: Reporting company used your report improperly

Complaint:
I am a federally protected consumer and I am aware that this company OPORTUN, Is in violation of my rights as well as FCRA. This company is furnishing consumer reports without my direct consent as well as reporting experiences and transactional history which is to be excluded from reports. This company is a VIOLATOR and I may never do business with them ever again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Lamont, Hanley & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Lamont , Hanley & associates about a letter i received stating i owe money- i asked them to explain to me and provide me with written documentation from company and they stated they didnt have to do that, i stated the debt isnt valid, i have emails from my company that submitted the paperwork to be answered. they threated that failure to pay today will result in adding negative to credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Experian XXXX and XXXX failure to respond and are not complying with their own policies in a timely manner.

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 2022-02-14
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was instructed to open a bank account to access my funds. I did as instructed and Key Bank refused to issue my funds. I have also had the same issue with other banks that i have accounts with. XXXX XXXX, Bank XXXX XXXX, XXXX, XXXX, and Key Bank. They claim that the bank is the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
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:
As of X/X/17 Equifax credit reporting had a massive data breach of potentially every user with a credit scores personal information including name, address, social security number, and date of birth. More than enough information to allow for identity theft of every user. After discovering the breach rather than immediately reporting they waited a week and executives sold stock in a blatant attempt at insider trading before the fallout of thge breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 a collection account appeared on my credit reports from I C SYSTEMS COLLECTIONS for a supposed debt of {$600.00} to XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection of this 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 explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was XXXX I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2019-07-26
Company: EQUIFAX, INC.
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:
Please know that I was not late on XXXX XXXXXXXX XXXX .. I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a payoff of my Discover card balance back in XX/XX/2018 through a Home refinance, which was paid directly by XXXX XXXX XXXX ( my home mortgage company. Today, XX/XX/2018, I received an email from Discover indicated that a payment of {$65.00} was within from my checking account as I had a previous auto-payment set up on the credit card account. Knowing that I had paid the full amount of my previous balance off I call Discover and they acknowledged that they had recieved the pay for this account. However, they told the {$65.00} must have been residual interest on my account. I asked how this could since myself and the XXXX XXXX XXXX contacted Discover Card for the payoff amount. I feel this is a direct attempt from this company to extract funds that should not have been added. As a side note I have not used this card in a least three years for and direct purchases.

Company response to consumer: Closed with explanation