BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NV
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$330.00}

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 explanation
Consumer complaint received 2022-10-07
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 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, 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 2021-07-06
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The doctors office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of not submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent. The also falsely reported to the agency that it was " affected by natural disaster debt, this is not something we claimed or filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.

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 2023-01-17
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All 3 credit bureaus are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. 
Credit bureau account numbers XXXX. 

NOT MY BANKRUPTCY - UNVERIFIED ACCOUNT - DELETE IMMEDIATELY NOT MY ACCOUNT. Please remove from all 3 bureaus. I have sent this latter attached to them last month, asking for them to remove this charge from out account that is not mine.

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 2023-07-05
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: Their investigation did not fix an error on your report

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 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 has violated my rights. 

15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.

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: 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:
I am writing this complaint to EQUIFAX I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. 

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Friday  XXXX   XXXX  2016 I applied for a credit card towards the purchase of a painting from Park West Gallery aboard the   XXXX   XXXX   XXXX  . On   XXXX   XXXX   I cancelled I cancelled the order from Park West via email after realizing that the bill of sale did not include vital information indicating authenticity. I lost trust in the company after I reviewed the handouts they provided and everything was mismatched and worthless. For the record I received no benefit - No goods were shipped to me and I received no goods from Park West.
Around the end of  XXXX  the Park West Gallery Synchrony credit card arrived at my house - I immediately called and cancelled the card - I was clear that I did not want that card. I was even told by the representative over the phone You will never be able to have a card with Park West again - I said that 's all right. I destroyed the card and therefore never ever used it.
Mid to late   XXXX   of 2016 - I received a credit card statement from Synchrony Bank showing that I owed {$790.00}. I immediately called, not knowing where and how this occurred and the representatives answering the phone could not tell me a name of a company or provide any information other than what I already saw on the statement which was   XXXX   XXXX  . A few days later I received a letter from Park West indicating I had a credit with them for {$790.00} that I had to use by a certain time towards a purchase with them. I immediately sent registered letters to the credit card company as well as Park West indicating that I did not want to be forced to do business with them and according to Contract Law their bill of Sale is null and void.
Needless to say, I am getting harassing calls every hour on the hour from Synchrony Bank and this is now affecting my credit.
FACTS : I received NO GOODS. I received a bill from Park West Synchrony Bank and a credit from Park West Gallery for the same amount.  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 explanation
Consumer complaint received 2017-07-18
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called the bank repeated on X/XX/2017, after receiving their notification. I was told that I would receive a call back from executive relations, but did not receive that call. I did speak to a reputed supervisor, XXXX XXXX XXXX, who was both rude and unhelpful.
The account is under my name, acct XXXX XXXX.
PNC debited my account for {$35000.00}, corresponding to two checks deposited via an ATM. These checks were issued when a mutual fund ( XXXX XXXX XXXX XXXX ) closed, and I was the owner of record on two accounts. The first check was for {$14000.00}, and was issued payable to me and XXXX XXXX, my wife, as XXXX. The scribbled explanation for the debit was a checkmark next to " Payee not on account '' ( I certainly am ), and " not a trust acct '' scrawled in below that.
The 2nd check was {$21000.00} payable to " XXXX XXXX XXXX '' for my son XXXX XXXX  XXXX. The checkmark here is next to " Other '' and the scrawled comment says " not custodial account. '' In fact, the mutual fund was a custodial account, and the check is payable to me.
I would like the checks returned immediately, and would like to close my account with PNC and be issued a check for the remaining balanace, since PNC appears to be unable to accurately and politely execute standard banking practices.
Copies of these sloppy items can be provided as needed, if copies were not retained by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




Captial one Auto Finance Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00}

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 2022-04-08
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint against Credit Collection Services ( acting on behalf on XXXX ). 

I had just moved back to XXXX XXXX after selling my house in XXXX XXXX and needed cable and internet while I was there. I started service in XXXX XXXX  and asked if I could stop at anytime because I would be moving back to XXXX once I found another house. The XXXX employee said YES just make sure you bring the equipment in otherwise you will be charged. 

A few months later I was leaving for XXXX and on the way I stopped at the XXXX XXXX to drop the equipment off and pay whatever remaining balance I owed/cancellation fee. The store in XXXX asked if I was going to use XXXX in XXXX. I said yes and they said ok you can bring the equipment to XXXX and set up when you are at your new home, it will be no problem because XXXX serves XXXX. I gave them my address to switch the service. A few days later When I arrived in XXXX I tried to set up XXXX at my new home. But, it turned out XXXX could not serve my address for what I needed. I then went to drop the equipment off at the XXXX XXXX in XXXX. The XXXX store took my equipment and my account was canceled. 

Months later I received an email from my business manager saying there was a XXXX bill for almost {$600.00}. I thought that was weird because I had taken care of what I was suppose to do in XXXX and then in XXXX. I personally never received any notices in the mail to my home in XXXX. I thought it was a scam because I had paid whatever I owed in XXXX and then dropped the equipment in XXXX, and everything was canceled. 

Despite being told everything was all set in XXXX and then all set in XXXX, XXXX continued to insist we pay an amount for not returning the equipment. They continued by threatening to send the account to collections. As I was not able to make any headway in having XXXX admit their own mistake and reverse the billing, I decided to just pay the bill to avoid having a marks against my credit. 

Even after paying the bill- for an amount that I never owed- they still filed a mark against my credit. 

This is a wholly dishonest practice by XXXX and despite being bullied into paying a bill that was not correct, their collection company " Credit Collection Services '' still filed a negative mark against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: AXOS FINANCIAL, INC.
State: SD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a paper copy of an annual statement from Axos Bank, who holds a XXXX IRA Account for me. They charge at {$10.00} fee for a paper statement, which was dramatically more than the interest that was credited to my account. I never saw a fee schedule or received notice that I would be charged a paper statement fee. I also never received information about how to sign up for an online account to avoid this fee. I called to request the IRA be closed and the funds to be returned to me in the form of a check. I was told to go to XXXX and register that they were an online bank and could not accommodate my request over the phone. Several hours later, I received an email saying my request to access my information online was declined. Then, I called back to Customer Service and was told I had to register online again which did not work the first time. When I explained I had tried that they told me to send an email with the issue to their team. Having already tried to do what they asked, I asked to speak to a supervisor and was told it would be a day or XXXX before someone could call me back because the supervisors were all busy. I told the agent I would be filing a complaint. They are restricting access to my funds, charging fees that were not properly disclosed to me, and making it impossible for me to get my funds back so they can keep charging me fees. This is the site : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXXXXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-01-18
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

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