BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up request to my previous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/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 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

Also I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these 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 explanation
Consumer complaint received 2022-04-08
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated refinance of mortgage with XXXX XXXX ( Loan Officer, PNC Bank ) back in XX/XX/XXXX and submitted all the documents as requested immediately. 
The loan was approved as was confirmed by XXXX verbally and as well as by e mail@ 2.25 % for 15 yrs with Zero points., Please see copy of mail as below : From : XXXX XXXX XXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : PNC Bank Mortgage - Communication Yes. We can lock at 2.25 %. We do have the ability to float the rate down in rates drop. 

I will have everything done before XX/XX/XXXX. We can close when you return XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXXXXXX PNC Mortgage, A Division of PNC Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Mail Stop : XXXX We were suppose to close at the end of XX/XX/XXXX but for some reasons we received documents on XX/XX/XXXX. 
Upon receipt of docs we pointed out discrepancy in the agreed terms of lending in the documents which he promised to fix errors asap. 
We received another docs subsequently but with the same errors. He promised to correct and send another docs which was again incorrect. 
Since then he sent incorrect documents several times and has been dragging to send corrected docs and several weeks passed by. I kept calling him everyday and sending him mail frequently. He informed that it is in the process and I will be disclosed shortly. He further added that we are in good shape and he will wrap up everything promptly. 
He then informed me that it is difficult for me to send corrected documents electronically as PNC electronic system is messed up and he will overnite documents and then we can close promptly ( See attached text message ) On XX/XX/XXXX he informed me that we got the pricing correct and we will disclose shortly. He further added that you are in good shape and I have the ability to overnight documents which is better anyway. 
I never received docs which he promised and then I insisted to meet in person. In personal meeting he backed out from honoring his commitment and jeopardizing my refinance. 
I have all the documented proof to prove my above statements. 

Important Point is XXXX XXXX ( Area manager ) & XXXX XXXX ( Territory Sales executive ) informed me that loan was cancelled on XXXX XXXX but Loan officer has been communicating till XXXX end promising to send docs and close promptly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2020-03-24
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was a victim of a Equifax data breach. My information was compromised. Delete all negative information, names and addresses that do not match my drivers license from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After XXXX disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want XXXX and the original creditor to have. It's XXXX job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.

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 2020-03-24
Company: Radius Global Solutions LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1. XX/XX/XXXX XXXX XXXX was billed in the amount of {$230.00} for alleged XXXX  2. Once billing received XXXX and XXXX XXXX provider were contacted multiple times with no success. XXXX promised to remove billing based on medical insurance EOB for the claim but never acted upon it. 
3. The doctor 's office on multiple occasions called medical insurance provider from XXXX - XX/XX/XXXX and XXXX during same period to get the erroneous billing removed/corrected with no success despite promises to correct 3.On XX/XX/XXXX the Collector/XXXX/XXXX   were contacted by XXXX XXXX XXXX XXXX, Attorney-At-Law to verify the debt ( see atatched ). No verification of the debt was provided to-date under Section 809 of Fair Debt Collection Practices Act. 
4. The collector unlawfully proceeded to report derogatory information on credit reports subsequent to XX/XX/XXXX, without providing a response or the required verification of debt to the legal counsel. 
5. The debt seems to be sold/transferred to different collection agencies to bypass legal responses to attorney to verify debt and buy time and then eventually reported as collection activity on credit files.

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 2022-02-02
Company: Army and Air Force Exchange Service
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: Reporting company used your report improperly

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX OF XXXX, XXXX, and MILITARY STAR are accounts opened by someone who stole my identity.

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 2023-03-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a PayPal account about two months ago, since then I have been able to only complete two transactions and even that was difficult. I have verified my identity and banking information, I have a verified email and phone number, no history of fraud in general or with the company. Every transaction I try to complete is Denied. They blame the banks for this and act like they play no role in it, but all my accounts linked to PayPal give an alert for a declined transaction and never once have I gotten one and the banks dont even see an attempted charge! First for me to send money or make a payment it wants to send me a code to verify my identity. Shouldnt be an issue Since I have a verified number on my account. Well that number doesnt show up as an option and when i enter it to add it it says this type of number can not be used! Its a XXXX  post paid phone number in my name! Someone was able to send me money but it was denied by PayPal when I tried to transfer it out! It wouldnt allow me to refund it out because it wanted to send me a code to my verified number that they struggle to figure out. I was forced to send the money as a bill payment to XXXX just to get it out of PayPal because I do not trust to have any funds held in their control. Ive Been blocked from being able to utilize almost all the services they offer. When I call In its a different story every time, the most common story is their security systems blocked it. Well i have a right to know if there is a security issue with any of my personal information. In fact they are obligated by the patriot act to inform me of any negative information that leads to a denial in hopes to catch if money laundering is taking place. They offer no remedy and the people you get on chat or the phones are a special breed of their own

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I wrote two checks. Check # XXXX was to XXXX XXXX {$460.00} - Check # XXXX was to XXXX XXXX XXXX {$670.00}. Both checks were cashed by the above parties via their telephone banking. No problem. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

I have tried several times to get this resolved with B of A, multiple calls to the fraud center and visits to the local branch. They asked for documentation and I sent it to them. The communication is one way with B of A. They will not follow up on documents sent and offer no assistance. They refused to contact me and tell me there may have been errors in their company generated form so they took a total of {$1800.00} out of my small business account on XXXX. As of today they said the case was closed. 

I have spent hours talking to the B of A fraud dept about this but they refuse to cooperate and communicate so this can be resolved. I filed a police report within 48 hours of the checks being detected as fraud back in late XX/XX/2020. 

I maintain that I have done nothing wrong. It is a problem with B of A 's software that allows for duplicate check numbers to be cashed. Banks simply are not supposed to cash the same check number twice. Bank of America refuses to take responsibility and wants me to indemnify them for their loss. 

Basically B of A has stolen {$1800.00} from my account. I have attached copies of the checks in question. You can see the check numbers are the same yet B of A cashed them TWICE. This is a case of obvious fraud and I am a victim by both the fraudster and now B of A has decided to victimize me.

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 monetary relief
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America 's operating a XXXX XXXX ring. My former manager XXXX XXXX access my personal Bank of America account and removed funds by communicating with XXXX I'm not sure if the funds went to her account but I do know they surely did not go to my I have reported this to Bank of America but they are not taking action XXXX XXXX is a known XXXX XXXX and XXXX in the XXXX XXXX Community she is a danger to herself and to the entire world she is a cruel mean XXXX and she feels that she is superior to Barack Obama and Donald Trump whom she spoke about during a meeting at the bank and said she would joyously XXXX them the XXXX is knowledgeable of this information for one of their attorneys has taken a paycheck so that they will not say anything thank

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 2023-02-21
Company: State Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company State Collection service , Inc sent me collection letter on XX/XX/2023 for {$59000.00}. I don't who this company is or never had a contact or die business with State collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: SC
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 sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation