BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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. 


XXXXXXXX XXXX XXXX - {$1500.00} -HAS VIOLATED MY RIGHTS! 


INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022- HAS VIOLATED MY RIGHTS! 
XXXX XXXX XX/XX/2022 - 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-30
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:
Account XXXX I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in XXXX. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX  violation of XXXX. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with XXXX and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-06-30
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received an email about an escrow check that I needed to respond by XX/XX/2023 in order to receive. I called US Bank on XX/XX/2023 to received said check. The woman on the phone told me they had an old address and they would send to my current address. I called back on XX/XX/2023 and spoke with XXXX who told me that the prior woman did make a mistake and did not send it to the right the address ( it would take 10 business days to receive the new check ). XXXX put in a work order that stated it would be sent to the " right address '' but never updated my information. I asked if I could go to a US Bank to pick up the check, they said no, bc US Bank is check/bank but not lending/mortgage. Then on XX/XX/XXXX, I spoke with XXXX who said the check was sent on XX/XX/2023 and that it's in the mail to the correct address. I asked when I should call back to state I did not receive the check, he said either way, we can not cut another check until 30 days from the prior cut check. He told me it was being mailed from KY and there is no tracking number. I called Friday, XX/XX/XXXX, spoke with XXXX, who said it appears to have gone to the right address, but again, my correct contact info to-date had not been updated. She gets a supervisor, XXXX, who says " we didn't mess up so we will not overnight or track it, she has to wait for another cut check in the mail. '' I can not get assistance on them proving they've ever sent the check or provide assistance on a tracking number for the check.

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 2023-06-30
Company: ERC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding the issue in complaint XXXX submitted XX/XX/21 ( see multiple other complaints as this has been sold to multiple collections groups despite being incorrect ). 
It appears that the XXXX XXXX sold the debt, after accepting that it was not valid, to another group, ENHANCED RECOVERY CO L. Again, no one made any attempt to reach out to me, I discovered the fraudulent debt on XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX an unauthorized purchase was made on my capital one credit card ending in XXXX. It was from XXXX XXXX and the amount was {$2100.00} I had my first baby on XX/XX/XXXX and suffered from XXXXXXXX XXXX XXXXXXXX and XXXX I didnt try to dispute the charge until XXXX of this year after realizing the charge was there, and the interest and fees were killing me. I told capital one about the issue was very honest on who used the credit card, my sons father XXXX XXXX XXXX. They told me to file a police report and go that route with it. I did and still not enough evidence to pursue any further investigation. XXXX XXXX and I met in XX/XX/XXXX, since then I have accumulated more debt than ever before and my credit score has deteriorated. I know for a fact he always had pictures of all my information including credit cards, debit cards, drivers license and maybe even my SSC. I am trying to pay off my debts the best way I can as quickly as I can, however it seems to only get worse. XXXX XXXX XXXX has taken over XXXX from women that I personally know of. I am one of them. XXXX XXXX was another, and XXXX XXXX being the last victim before me. His parents paid XXXX and XXXX XXXX off cash. So no legal action has ever been taken against him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I was on vacation miles away from my home and received a text message from capital one on XX/XX/XXXX asking if I tried to charge {$990.00} at XXXX  Before texting back no, I open my app on my phone and see a total of XXXX transactions made on XX/XX/XXXX at XXXX XXXX XXXX transactions of {$560.00} ) XXXX ( {$38.00} ), and a XXXX in person in my home city ( {$110.00} ) totaling {$1200.00}. I immediately text back capital one and select all fraudulent charges on my account. They give me an adjustment credit for all these transactions while they conduct a fraud review. 3 days later, they send a notice saying the {$38.00} XXXX  order was credited, XXXX transactions {$560.00} XXXX  appeared to have been declined instantly because no longer appeared on my account, but for the {$110.00} XXXXXXXX XXXX XXXX XXXX made in my home city was denied due to insufficient proof of fraud. I call capital one to appeal their decision and ask how to provide flight/hotel information to prove the {$110.00} transaction was not me as I physically had the card with me miles away on my vacation. Capital one basically told me there was no way to appeal due to chip being used in transaction and they do not see any proof of fraud. How the scammer was able to clone my chip with the card being miles away with me is unbelieveable to me. I explained I was on vacation and can send any proof needed to appeal but they refused to even give me the chance and said I was liable for the {$110.00} purchase. I am extremely disappointed that they won't even listen to me especially after having other fraudulent charges on the same exact day. They truly do not honor their 0 % fraud liability charges claim. I have been a customer with them for several years and ALWAYS pay my balance in full and have never had even had XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX  an account application was started for Bank of America for a XXXX banking account. It was approved in the same moment just afterwards. I've never opened a bank account with bank of america. This is the second time this has occurred which resulted in me freezing all my XXXX credit bureaus and going through this process once before. This occurred on XX/XX/XXXX the first time fraudulently with the same company.

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 2023-07-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
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 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate 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 informations. 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. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items remaining passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 2023-07-01
Company: Experian Information Solutions 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:
15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent. 

Resolution delete accounts.

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 2022-12-03
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After my computer was hacked in May, I went into the PNC Bank branch in XXXX, Virginia, on XX/XX/XXXX to close my existing account and open a new one. The matter was handled by a PNC representative named XXXX XXXX. At the time, I also switched all of the automated monthly payments from my old account to my new one, including the payment of my monthly rent. 

The following month, when my rent came due, PNC did not issue payment, nor did the bank tell me that it was not issuing the automated payment. I didn't find out the payment was not made until after the final deadline for paying rent, when the apartment management company fined me about {$210.00}, even though I immediately took a check to them as soon as I found out. 

I then called PNC to find out why the payment was not made. I was transferred several times until I reached someone at the bank who told me that PNC uses an outside vendor to process automated payments. This person told me that the vendor had simply decided not to make the automated payment to the management company for my apartment because my old account had possibly been exposed. The vendor took this action even though I had specifically gone into PNC several weeks earlier and closed down the compromised checking account to prevent any fraudulent activity. At no time was I ever informed that PNC 's vendor had decided to not make the payment. When I asked the PNC representative to send me an email confirming what had happened, the representative said he wasn't allowed to. 

I went back into the XXXX branch PNC Bank and spoke with XXXX XXXX about the matter. I asked that I be reimbursed for the {$210.00} that I had been charged by the management company for a late rental payment. During the conversation, I later said that I would be satisfied if PNC simply reimbursed me for half the amount. PNC took the position that it was a third party vendor that declined the payment, so they were not responsible. It was nonsensical because as the customer, my banking relationship was with PNC, not a third party vendor. It was their internal decision as a company to outsource the processing of the automated payments. I of course had no idea that they outsourced this function, and had no control over it. And PNC on its website and through its online banking application of course presented the ability to make automated monthly payments as a service that the bank itself offered. 

I was never reimbursed or otherwise contacted by PNC on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied credit for not having a strong enough credit score, but thats not true. The credit score reported was also incorrect.

Bank of America is the auto lender for millions of first time vehicle owners, many of them have no previous credit history. 

Also I have established credit - XXXX yrs XXXX mos is my average age if credit and my oldest account is XXXX XXXX XXXX with no late or missed payments. 

This would only be fair if 100 % of applicants were denied under the same circumstances, but because Bank of America does not accept my credit history - this is discriminatory.

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 2022-12-16
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:
The attached accounts were created without my knowledge and charges were made without my knowledge

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 2022-12-03
Company: NAVY FEDERAL CREDIT UNION
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:
15 USC 1681 section 602 states : I have a right to privacy.

15 USC 1681 section 604A states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan for late purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation