BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a PNC client for over 7 years. A employee of my company who was granted power of a operating account abused the funds in the account for personal use he was confronted about repaying the funds and without my knowledge he disputed charges that was made by him. After PNC investigation was completed and it was determined that the charges was his transactions, they closed my accounts. My business account that these transaction accrued on another business account and my Trust account. the reduced my credit cards and on some of the that didn't even let me know. so my currency is in limbo and my bills haven't been paid. and I just received a cutoff notice on another bill and my mortgage is going to report to my credit as a late dropping my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: The Bureaus, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been requesting an investigation of my account with THE BUREAUS INC for several months. They have incomplete and incorrect information, but their response has been minimal. What's worse, they've retaliated by adding {$1.00} to my balance every time I dispute it, and then taking it back, which has permanently harmed my credit score. This has had a negative impact on my career growth and future prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing to bring to your immediate attention a matter of utmost urgency regarding fraudulent entries on my credit report resulting from identity theft. Upon recent review, I have discovered unauthorized accounts and transactions that have negatively impacted my credit history. I am requesting your immediate and aggressive assistance in removing these fraudulent entries promptly. 

Given the severity of this situation, I urgently request an aggressive investigation into this matter and insist on the immediate removal of the fraudulent entries from my credit report. Identity theft poses a significant threat to my financial well-being, and it is imperative that my credit history accurately reflects my true financial standing. 

XXXX XXXXXXXX - FRAUD XXXX PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

Please provide written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. If additional information is needed or if there are specific steps I need to follow, please advise me promptly. 

Thank you for your prompt assistance, and I trust that you will take aggressive action to rectify this situation as quickly as possible.

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 2023-05-05
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo is being accused of fraud and I been a wells Fargo customer for 12 years. 
They are using people accounts without the customers permission. That is wrong and they should be punished and look out by paying customer a share of the lawsuit

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 2023-05-05
Company: PRESTIGE FINANCIAL 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: Information is missing that should be on the report

Complaint:
These hard inquires on my credit report do not belong to me. its inaccurate information and its being reported on my credit. 
PRESTIGE FINANCIAL ( finance ) XXXX XXXX XXXX ( finance ) XXXX  XXXX ( auto )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} ; XXXX XXXXXXXX Balance Owed : {$74000.00}.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC 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 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My identity was stolen I have things loans debts credits cards etc car loans that have been fraudulent and I cant do anything for my kids because of this.

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 2023-01-26
Company: EQUIFAX, INC.
State: WI
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 received inquiry from a Lender call XXXX regarding credit, I was notified by email from a service I use. I contacted Equifax to start a dispute. During the phone conversation, it was made clear that even if the inquiry was incorrect and the XXXX says it was correct that the inquiry would remain on the credit report until the customer can prove that the inquiry was incorrect. These investigation are fraudulent, " receiving a service under false pretenses ''. Credit reporting Agencies use Fraudulent Investigative tactics that automatically find in favor of any Creditor despite evidence to the contrary. When asked about this, the operators are being trained not to answer the question directly, but to divert it to with another topic to sound like they are on your side. This consumer is attempting to clean up their credit for a home purchase, and getting nothing but resistance from All Three XXXX XXXX XXXX with the same goal. " To favor the credit during an investigation ''. I have looked into this, and I am not the only XXXX to experience this type of XXXX. 

XXXX offers you a way to boost your credit in many ways as long as you pay for this service, I was under the impression that the Credit Score is earned, not paid for through XXXX 's membership You no longer have access to XXXX XXXX Because you ended your XXXX benefits, you no longer have the ability to boost your XXXX Score. As a result, weve stopped updating the bill payment info in your self-reported accounts. 

If you'd like to take advantage of this feature again, you can reactivate your account. 

Looking for assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Bread Financial Holdings, Inc.
State: IL
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 XX/XX/23 I had given permission for Comenity bank to debit XXXX from my checking to pay off my credit card account. 

The payment due date was XX/XX/23 and I paid the entire balance in full according to my paper statement ( XXXX ) on XX/XX/23. 

Comenity than had some issue with their system and only debited XXXX from my bank ( not the scheduled XXXX I paid ) This created a late fee that extended even though the account was effectively paid off. Comenity tried to charge me XXXX dollars for an original total card balance of XXXX. That is just not acceptable! I never received a notification or mailed statement ( I never signed up for email only statements ) saying that the account was ever past due or that they had an issue processing the regular payment of XXXX. Being that this was my last payment to pay the card off in full I did not expect another payment to be made at any point and only found this issue after two months had passed with a text message from them saying to call regarding my Comenity account. 

I have tried to fix this with them but was forced to pay double what was originally owed ( after spending 3 hours with them on the phone and being hung up on 4 times ) because they refused to fix the issue due to a clerical error processing my original payment of XXXX I've dealt with many creditors and I've never had a misprocessed payment before. I've also never dealt with a creditor that refused to fix or refund all fees incurred in situations very similar to this one. In my best opinion Commenity Bank does not act in good faith to the consumer and I personally will never hold another account with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: ERC
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: Account information incorrect

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. 

ENHANCED RECOVERY COMPANY XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called by FMS Financial Solutions on XX/XX/2023 in an attempt to collect a debt. The representative asked me about a letter they sent that I never received. Upon letting her know this, she told me that they would be turning the debt over to an attorney and that a judgement would be entered against me. I explained that I was unemployed and the representative insisted that I make a payment of a XXXX XXXX XXXX to prove that I have good intentions. Again, I explained that I was unemployed and the representative said I needed to call family members and friends and borrow the money. I repeatedly told the representative that I was unable to pay the debt, and still, she insisted that I pay it today. She went on to ask me personal questions about if I had a husband or boyfriend who was working and could pay the debt. She asked me where I was staying and how I was currently supporting myself over and over after I already told her I was unable to pay the debt.

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 2023-05-05
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am having issues with TitleMax I have been charge excessive fees and when I make the payment due it's ate up in fees. I was give a opportunity to borrow on my loan and that option is gone. I feel that I would never get loan paid off with all the fees. I feel like I paid more than I owe already because of fees and 1 month was almost close to not making a payment and was told that need to make the payment or my vehicle will be repossessed. Most recent I have had some flexibility but not always.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ERC
State: MD
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:
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. ENHANCED RECOVERY COMPAN 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I applied for a credit card with Avant around XXXX XXXX. The card was activated if XX/XX/23 without me having ever received the card. I alerted the credit card company and was issued a new card. I activated the second card on XX/XX/23 and to my surprise the credit card account was already maxed out. There were purchases made at XXXX on XX/XX/23 which would have been impossible for me to do considering I hadnt ever received the first card. Plus the charges say they were made in XXXXXXXX XXXX. I can account for my whereabouts on XX/XX/23 my timesheets at my job can show that I was in fact at work and I have no means of transportation to get to NJ, thus it wouldve been physically impossible for me to make those charges. I contacted Avant numerous times here are some of the following dates of when I reached out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I also contacted each credit bureau to report the fraud and alert them that the card although it was in my name it was in-fact not my card considering I never received it and that there were fraud charges. The company refused to refund the charges on the account and had continued to tarnish my credit via reporting that I have not paid the minimum and in addition to that, that the card is over the limit. I have worked tirelessly over the years to repair my credit and can not understand how they can be allowed to get away with such fraud. In addition to all of this, they began verbally harassing me, calling me multiple times a day demanding I set up a payment and refusing to acknowledge that I have been robbed of my credit card and that there is fraud on my account. I have gotten into multiple verbal altercations with them, and will be filing a police report today ( XX/XX/23 ). This company is extremely unreasonable and I will sue them if I have to. These charges are fraudulent that are on the card, and it seems like they have something to do with it considering they did not find any evidence of fraud after I called and made several allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount Recovery Systems, LP. located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX sent me a bill for {$740.00} on XX/XX/23 and they won't give me any indications of what it is for. I requested them to give me more info and they won't. I can't confirm this is a legit charge.

Company response to consumer: Closed with explanation