BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MO
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 have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX Bank were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent.

According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a {$50.00} Vanilla VISA gift card last XX/XX/XXXX. I made sure the balance was there and put the card in my wallet. However, when I tried to use it on XX/XX/2019 it got rejected. I called customer service number at XXXX, logged a case number XXXX and then emailed pictures of the card and my ID as they requested. Today, I called them asking for an update but they asked for receipt. This is a gift card means I received it as a gift. They then claimed the card was never activated. A lie after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX I, XXXX Current Creditor Account Number : XXXX Total Balance Due : {$3000.00} THIS NOTICE HAS BEEN THE 2nd TIME AND THE DEBT WAS PAID TO XXXX  IN XXXX. THIS IS NOT ON MY CREDIT AS A DEBT OWED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 A RESULT OF IDENTITY THEFT.

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 2018-04-10
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:
XXXX XXXX XXXX XXXX LAKESIDE PL XXXX CA XXXX SSN : XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX  XXXX XXXX, SC 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 2020-08-17
Company: Experian Information Solutions 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:
I have tried to correct this problem with Experian and I do not feel they have look or helped me. I am a victim of identity theft and have already filed several reports with identitytheft.gov. I have mailed all letters to all credit bureaus and had contacted local PD who have also instructed me to proceed in this manner. 

My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my XXXX XXXX XXXXXXXX accounts. This has caused XXXX XXXX XXXX to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with XXXX XXXX XXXXXXXX. XXXX XXXX XXXX has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by Experian and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress, inability to open another bank account, increased anxiety, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised XXXX XXXX XXXXXXXX has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received your response Last XX/XX/XXXXXXXX  that you declined to block the information I have provided. My name is XXXX XXXX XXXX and there's no other third party involve here. Please take off these UNVERIFIABLE INQUIRIES as they are fraudulent. XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2023-11-01
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting 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 Name : XXXX XXXX XXXX  Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They refused to give me my money back they made me pay it back and I did not do that my account was compromised and the fraudster withdrawal money on me from a bogus account from another member this happened on XX/XX/20 2 transactions {$1.00} and the other one for {$480.00} and I do not know this person

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2023 I applied for unsecured business lines of credit, XX/XX/2023 I received an email from Wells Fargo and Ill put a screenshot and the amount I applied for was {$25000.00} in the email I was told that Ill be notified for my decision within 7 business days and was never contacted to be let known their decision.

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 2023-10-02
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The events were over 10 years old and In another case I was a ward of the state therefore no debt should be due and I am still harassed and billed for it and 2 other cases were from XXXX and XXXX over 11 years old the original date of incident but somehow they keep resetting occurrence XXXX to suit their needs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have spoken repeatedly on numerous occasions with various representatives of TRANSUNION regarding old, outdated or unauthorized inquiries into my file with them and they have failed to delete them as requested. Specifically, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, DEPARTMENT OF EDUCATION on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX each made inquires which I wish deleted ASAP.

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 2023-07-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX a man came to my home saying he was with the government and I owed over {$2000.00} to my doctor. I was never aware of any debt until he came to my door and threatened to seize my property and my vehicle. He made verbal threats against my credit and my property saying it could all be taken if I didnt pay this amount. I do not make enough money to cover and the doctor has not once told me I owed them money or attempted to contact me about any debt until it reached the point someone came to my house. I am XXXX  I have XXXX XXXX XXXX  so I was going to the doctor frequently never aware that they said my insurance wasnt being used. They racked up my bill to thousands of dollars then called me multiple times during the night and day, constantly calling me for days on end and i had no knowledge of any debt until they came to my door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX CARD Date of inquiry : XX/XX/2022 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Absolutely discusted with XXXX XXXX and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc..

I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback

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 2023-10-02
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit reporting 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. 15 USC 1681 Section 604A, section 2 it also sates 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 2023-06-29
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2018-04-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
Company: AUTOMOBILE ACCEPTANCE CORPORATION
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:
Automobile Acceptance is and has been reporting on my personal credit profile as " delinquent. '' I've never had account with Automobile Acceptance nor have I ever been affiliated with Automobile Acceptance. I call as well as sent a certified letter requesting this information be removed from my credit report. I call spoke with someone in the credit department by the name XXXX his extension XXXX. I explain to him Automobile Acceptance is and has been reporting on my personal credit profile, he placed me on hold while he researched the information, he ( XXXX ) return to the phone and stated he could not find my name nor social security number in their database. So I ask that this information be removed, he ask that I contact XXXX, XXXX and XXXX. I replied to him that I have already sent a certified letter asking this be removed and it's still there.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX Account # XXXX has been paid and closed since 2016 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 

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 explanation