BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am XXXX XXXX this request is for myself. I have contacted TRANSUNION multiple times regarding my investigative file. ( NOT MY CREDIT REPORT )! My initial request was made in letter form by mail. I specifically asked that my request not be confused with a request for my actual credit report. I received 2 reports in the mail dated within a day of each other as well as 2 post cards requesting identification for the request. I sent In proof of identity. Once again no file. I submitted a complaint to cfpb and initially it was stated my complaint was being reviewed. I also sent to transunion a bill of particulars for their violations. My complaint was closed within the cfpb without merit.The response stated that I had a request about items on my report my request for my file was never addressed. It was stated that my complaint would be looked into. Transunion is blatantly ignoring my request at this point.

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 2020-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: PA
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:
I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, XXXX and Equifax. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to XXXX and Equifax. via certified in regard to the inaccurate information and how XXXX and Equifax did not do a proper Investigative Consumer report. I do not recall that XXXX and Equifax. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since XXXX and Equifax. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
My name is XXXX 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 All 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX 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 2021-10-09
Company: Netspend Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I Bank with NETSPEND. On XX/XX/XXXX at XXXX a charge was made on my account for {$0.00} to XXXX XXXX XXXX  XXXX Florida XXXX Then at XXXX XXXX. {$160.00} was transferred from my savings account to my checking account. At XXXXXXXX XXXX. {$580.00} was transferred from my checking account to another account with the name XXXX XXXX. On XX/XX/XXXX I attempted to use my card at XXXX XXXX XXXX at approximately XXXX in the XXXX My card declined twice I think called NetSpend to find that my PIN number would not work. And that my account have been completely drained!! I also had no access to my online account either. I was locked out. When I got a hold of customer service they put it through as a dispute instead of a fraudulent claim as I made my way to the police station in XXXX North Carolina to make a report. This person also changed the address on my account to a Michigan address where I do not live and have no ties to. My address is a XXXX address. 
NetSpend also claims to record phone conversations. I requested that they listened to the phone conversations and determine the difference in voices between mine and who made the transfer through customer service. I have never made a transfer through customer service only through my online account using the flashpay ID number transferring money to my fiance 's account which also has my name as a secondary. NetSpend did not red flag this transaction. As this person changed my PIN number my address and transferred money after an odd transaction coming out of Florida for {$0.00}??!! I have also made a request that NetSpend release any and all information to the police for their investigation and they have not done so. They then come to a determination that this was a legit transfer. And refuse to return my money to my account!

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 2021-10-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Toyota Motor Credit corporation for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC is no longer allowing connections with XXXX which is a third party virtual.wallet and payment service that I have used with them for years. Now that they have their own service they have cut off XXXX. This is non competitive and should be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received my credit report and found a collection account from IC System that does not belong to me. The original creator or is XXXX XXXX. Ive never done business with XXXX XXXX before and Ive never had any type of account with them. This may be a result of ongoing 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 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received an email notification from Bank Of America that read that unusual credit card activity was noticed on my account. By clicking on the email, I was able to flag fraudulent charges directly on the site. On XX/XX/XXXX, a replacement credit card was mailed. Upon reviewing my recent activity, I noticed that there were several additional fraudulent transactions on my account that the Bank of America software did not catch or allow me to flag online. Upon this discovery, I called Bank of America to add these additional charges to my case. On XX/XX/XXXX, Bank of America issued a credit of XXXX for the charges flagged online and on XXXX, a credit of XXXX for the charges I reported with an agent over the phone. On XX/XX/XXXX, Bank Of America sent me a letter indicating that they were unable to approve my fraud claim. Upon reading this, I called Bank of America to challenge this decision as a total 12 fraudulent charges were charges made in a town I dont live in, hundreds of miles miles away, at establishments I did not set a foot in The charges were not made by me. The agent I spoke with was unable to provide a specific reason for the denial and proceeded to re-open the case, adding notes stating that the charges incurred in a different town and that I did not receive any product or service from the merchants listed. On XX/XX/XXXX, Bank of America once again sent a letter indicating that they were unable to approve the claim due to what they deemed to be consistent with previous charges with the merchant. Merchants included XXXX XXXX, XXXX XXXX, XXXX and others. I have never set a foot or done business with these merchants and Bank Of America has failed to deliver proof justifying their decision. I appreciate your help advocating for me as Bank Of America is holding me liable for charges of {$2100.00} that I did not make.

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 2021-10-11
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received mail correspondence from this company or the original creditor. I only received a phone call from a woman claiming to be from the collection company, she called during my work hours. When i expressed to her that she is calling during work hours she abruptly hung up on me. I have not received any further correspondence via mail or any correspondence stating my right to dispute and any options offered to me to help pay off the debt. Prior to this, i have tried multiple times with XXXX XXXX  to resolve the account. On multiple occasions i was told their system was down. They also double charged me and claimed it was because the system went off of the statement balance even though i paid my credit card down completely prior to the statement. They saw this, verified this to be true, yet refused to honor this and fix my account. Since then i have struggled financially to pay the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Sunset Solutions Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sunset Solutions Group has called me several times using the phone numbers XXXX, XXXX, and XXXX. When I looked up this company on the website, I discovered the Toll Free number : XXXX and the Corporate Headquarters address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  XXXX. 
I made repeated attempts to call them and tell them that they were calling the wrong number and should be looking for someone else. My phone number will be removed off their list, they told me. But I'm still getting calls. I find this so frustrating because in addition to contacting the incorrect number, people are also receiving threats from this company. In order to resolve this issue properly, kindly assist me please.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
SYNCHRONY FINANCIAL I DID NOT APPLY FOR THIS LOW LEVEL NONSENSE I DID NOT APPLY FOR SYNCRONY IN MY LIFE THEY ARE KNOWN FOR SCAMMING FOLKS WITH BAD CREEDIT I DID NOT HAVE BAD CREDIT AT ANY POINT AND LASTLY I HAVE ONLY EVER APPLIED FOR MY HOUSE AND MY XXXX  XXXX AND THATS THAT I WANT THIS INQUIRY REMOVED NOW THIS INQUIRY IS FRAUDULENT AND NOT MINE, AND IF YOU SAY ITS MINE I WANT CONCRETE PROOF BY FCRA GUIDELINES THAT PROVE THIS WAS ME IN WRITING WITH PURE PROOF THAT THIS WAS WIHTOUT ANY UNREASONABLE DOUBT ME THAT APPLIED FOR THIS ACCOUNT OR NONSENSE I FNOT REMOVE THE INQUIRY OR I WILL SUE YOU FOR SLANDER, FRAUD AND INVOLVE THE ATTORNEY GENERAL AND TRADE COOMMISSION AND I AM NOT KIDDING HOW DARE YOU TAINT MY REPORT WIHT 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 2021-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I started getting unemployment threw bank of America and my money was stolen out out my account I reported it filed a claim and reported to fraud bank of America was canceling my bank card and was sending cards out to someone else I reported this to them and they didt do nothing about it they continued sending them out and who ever it was took all my unemployment out of the bank I have been trying to get this problem yaken care of but bank of America keeps denieng my claims and will not investigate what happen and I never got my 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 monetary relief
Consumer complaint received 2020-08-08
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I XXXX XXXX noticed a new debt collector ( I C System inc ) on my XXXX credit report for {$540.00}. I immediately contacted the original creditor ( XXXX ) to inform them that I have been XXXX  since the beginning of XXXX and was released on XX/XX/XXXX. I have no knowledge of this credit nor did I approve a credit with 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 2018-11-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
none of the security questions to get my report were any of my accounts. through equifax, I always have this problem with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: WI
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief