BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer 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 explanation
Consumer complaint received 2021-05-25
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am in need of some help. On Saturday XX/XX/XXXX at XXXX my deposit of around was rejected and not completely returned to me in the amount of {$220.00}. XXXX XXXX was the ATM number. My {$500.00} deposit right before was successful but my next deposit was partially spit back out and the rest never came out as the mouth of the money feeder remained open with gears turning leaving the rest of my money caught inside and then a receipt that said my transaction couldnt be processed. I freaked out and called customer care as I was standing there. I followed up with signing a dispute paper on Monday at the XXXX Illinois branch of Associated Bank. They said the atm was audited Tuesday. I dont have a lot of money and bunch more coming out. I need my money and some peace of mind that it was located and credited to my account. I dont want to have to bank anywhere else because I have a mortgage, a car, checking savings and multiple family members accounts there but I know I will not be able to deposit my cash like this anymore. I have been assured by others that this can happen and their money was returned. I have followed up on the phone 3 times and email twice to try and get an answer about my money with their customer service. The cameras on the ATM would surely see my horror during the incident. This bank previously cost me a lot of time and angst by improperly handling my escrow account for my mortgage last year. Im so distraught and want my money available so I can pay my bills. This is such a huge anxiety riddled incident as so many have shared their horror stories with me about them and depositing into an ATM and I dont know how to get my money and peace of mind. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
They Returned a payment that i made on XX/XX/2018. But then they took it in XX/XX/2018 Cuz i had my account set up for automatic payment. and thats when i became late 30 days. i was never aware of this. I spoke to them and they said that a letter was never sent out regarging this matter. So i was never aware of this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: OH
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 issue is with Experian and I have called twice thinking another person may be able to help - but neither individual helped me. 

My credit score has consistently been in the XXXX 's and earlier this year is got to XXXX in XX/XX/2021. On XX/XX/XXXX, I had a hard inquiry by XXXX to my account which was fraudulent. 
I check my credit score fairly often especially during these times. I noticed on XX/XX/XXXX that this hard inquiry had been made and immediately filed a fraud dispute with Experian, contacted the other credit bureaus ( who did not have any inquiries ), put fraud alerts on my account and locked my credit. You can see I take this seriously. Experian removed the fraudulent claim and has continually failed to raise my credit score back to where it was prior to the fraudulent claim. They tell me the credit score is a mix of things, so they can't do that. Nothing has changed since XX/XX/XXXX except for that fraudulent claim. You can see from the other credit bureaus that still have my credit score in the very good area ( XXXX XXXX and XXXX  XXXX ). I don't want to see other consumers bullied like this by a credit bureau. Given the amount of fraud going on with Unemployment, SBA, etc ... We need credit bureaus behaving and working with individuals to keep what they have earned!

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 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Credit Card Receivables Fund Incorporated
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my wages garnished for a credit card debt that was bought by Unifund. The total amount was sent to my employer and was completed in XXXXXXXX XXXX XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Atlanticus Services Corporation
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Consumer Adjustment Co about a debt I owed to XXXX XXXX XXXX XXXX Mastercard for {$800.00}, now {$1200.00}. I spoke with Mr. XXXX on XX/XX/XXXX, XXXX, XXXX. He claimed they were waiting on the XXXX XXXX XXXX to release the debt I owed them over to them. I was not happy with the waiting, i offered XXXX for the debt, and they said no. I needed to pay XXXX. I said maybe in payments. He never got back to me. I called and spoke with XXXX XXXX. She offered me a deal of XXXX, but claimed they were still waiting on the Bank to release the information. That was on XX/XX/XXXX i spoke with her. I then started receiving calls from XXXX XXXX stating the same of just waiting on the bank of missouri. That was on XX/XX/2017, and XX/XX/XXXX i received a call from XXXX, went to voicemail. I have those voicemails. I called back and spoke with a secretary who told me that a company called XXXX associates would be handling my case now. I told him i never was in agreement with this company, and no longer felt that their practices were lawful. I called XXXX XXXX on XX/XX/XXXX and advised them not to contact me, and that i would make a report to the Attorney Generals office, and the FTC and CFPB regarding the deceptive debt collecting practice. I believe they never owned the debt and took advantage of me by calling them and offering to settle. This debt should be nullified due to i was never agreement with any 3rd parties. This company also told me that they would now collect this debt for XXXX associates and the bank of missouri anymore, and to send them the money. The companies are both the same address and phone numbers attached. I have a copy of the new letter they sent me trying to collect under another name. I waited over 55 days for this company to produce something and they never did, just another collection letter from them with a new name claiming they are the ones that are now owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # XXXXXXXX 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: In progress
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report act, 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I believe my Checking Account was hacked and someone changed my payment on my credit card and made a payment that was sent to an account at XXXX XXXX of {$2800.00} which was not mine. My XXXX XXXX card has a XXXX balance, so I know I didn`t do it! XXXX XXXX will not give me any information on the account it was sent to because it wasn`t mine. So PNC didn`t find it necessary to reimburse me so I`m out {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to open a CD account at Penfed which was promoted online. I opened the account online and they sent me the signature card requesting to sign and return with a deposit fund. I signed the card and sent it with a {$50000.00} check. After they cashed my check they told me that my social security card and ID card copies are not acceptable. I asked them to refund my money. It has been over a month since I have been calling them every week and asking for my refund and they say I get my check in 5 days, but no check yet. I am running around, losing money on my fund while they are making money on my fund. Why if there was a problem with opening an account they cashed my check? Why have they been making me run around for over a month and not refunding my {$0000.00}?

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 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Account should have been closed 4 years ago. The company has refused to resolve the matter. The account was said to be closed back then at the same time I closed XXXX upon finding out about the identity fraud on my account. I recently received an email that I am going to receive a replacement card for # XXXX that was said to be closed back then on or before XX/XX/XXXX. 
This is nonsense to me as I have at exhaustion disputed not only the technical issues ( not having access to the website ) and the fact that the account is connected to a phone number I lost access to years ago XXXX. I have documentation from then with XXXX and XXXX XXXX XXXX about this matter. 
I also put a freeze on my accounts with the FTC after my father passed away in XX/XX/2019 and they were demanding large payments that I paid that never touched the balance. Regardless of trying to communicate with them to have an arrangement ( payment plan ) they have ignored it. I've even spoke with members of the Capital One resolution, fraud and accounts team attempting to resolve this issue. I had updated my phone number everytime I spoke with them and somehow the account still reflects the XXXX number. 
I have also seen that more than one device is connected on the account and capital one ignores my need for resolution. 
Upon receiving an email again about another card being sent out for a closed out, I immediately called again and had the girl transfer me to fraud and I reported it to the man. She had told me the account was open but she put it as closed once again and that I was going to receive a letter in the mail confirming as such. The guy from the fraud department did not act at all sensitive to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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:
I have filed disputes with Experian about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to Experian. 
on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}?? to them and then changed and updated information on my report. THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that Experian remove this information immediately.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the 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