BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the past two years debt collectors ( 3 ) have been trying to collect a debt on XXXX XXXX XXXX XXXX for an address in XXXX XXXX I never started up service in XXXX XXXX  i found out that my identy had been stolen and I have credit feezes activated and subscribe to XXXX. The newest Collection came from Radious Global Solutions. I called them and they said to fill out a fraud report with XXXX XXXX XXXX. Well I did taht with an avadavit in XXXX when another debt collection company was trying to collect the debt. The original amount was XXXX from XXXXXXXX XXXX XXXX Services back in XXXX. I recieved a letter from XXXX saying they would not longer try to collect and close the account. however this new collection company Radious is trying to collect XXXX regarding the same service from 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
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NV
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NY
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, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. 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 2018-09-07
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:
Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF ED XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: LA
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 Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: PNC Bank N.A.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : PNC BANK Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account and signed up for the XXXXADVANTAGE. I set up direct deposits in an amount sufficient to earn the reward. The first four direct deposits went through fine : On XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21, I received deposits from my employer of {$1500.00}. 

The second deposit of XXXX was rejected by Suntrust. Nothing had changed in terms of the information my employer used to deposit my salary ; Suntrust just rejected it. 

To me, the fact that Suntrust accepted four consecutive direct deposits before rejecting the deposit which would have qualified me to receive an award is eminently suspicious. However, regardless of any nefarious intent, or lack there of, I did my part to have the direct deposits necessary to have the bonus ; the fact that suntrust inexplicably rejected the final deposit was out of my control. 

I tried to resolve this directly with Suntrust. I contacted Suntrust on XX/XX/XXXX and followed up on XX/XX/XXXX, both through XXXX. Each time, I received a polite response that someone at Suntrust would check on this and get back to me. However, I never received any response.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
Student loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.

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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: MD
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:
XXXX  is a reputable company that sells high end pajamas. Individual ( s ) intent on fraud mirrored their website and stole the look and feel, including all of the pictures of models and merchandise, and created XXXX, posing as XXXX XXXX. My wife had been on both websites and couldn't tell the difference and ordered pajamas as XXXX presents from the fraudulent site. She eventually received pajamas from the fraudulent site that were not from XXXX XXXX, were different colors and worse quality, and had XXXX labels on them, not XXXX XXXX labels. The fraudulent site, XXXX only has an email for support so we sent an email to XXXX months ago with no response. If you click through their website it reroutes to XXXX. 

I disputed the purchase with Chase bank, the card used for the purchase, sent them a written explanation, sent them a follow up written explanation with photos of the fraudulent product that arrived, and they claim they are unable to provide a refund unless I have an expert testify in written form the obvious fraud. They also indicated that even thought they asked for pictures they don't use them in an assessment of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Winklevoss Exchange LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I haven been trying to withdraw my account balance from Gemini for over 3 months and have been unable to because I need to verify my account even though I have already provided them sufficient information.. pretty much everything other than a picture of my ssn card which I do not feel comfortable sharing and disclosed with them I would be willing to share any other type of information including an additional photo of my passport. They do not answer my repeated attempts to get a hold of them through email, social media and I have grown very weary of whether I will ever be able to receive my money that is sitting in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Chime Financial Inc
State: CA
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 ordered an item off XXXX and returned that item. XXXX received the return and is telling me that the refund has been processed to my account but I still have not received it. I have tried to file a dispute with my bank but it keeps getting denied even though I have provided evidence from XXXX stating I returned the product and them stating that the refund was processed. The amount is {$250.00}. XXXX states they processed this refund on XX/XX/XXXX. Ive reached out to them but they say I must handle it with my bank to get reimbursement and when I do the bank denies the dispute so its just been back and forth. My bank is Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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 have disputed these XXXX XXXX XXXX accounts on multiple occasions and they keep coming back as update and or verified ignoring what is actually being disputed, Ive requested these reporting agencies to show proof of how they were verified on multiple occasions and I have never received anything just ignored, which is grounds for suit! I have been disputing multiple violations and I want these immediately deleted off of my credit report! 

1 ) reporting CO every month and re- aging these accounts are unlawful and are a Violation!

2 ) 1099Cs, which is income do not report to the consumer report, those accounts are 1099Cs and according to the IRS CO are considered ordinary income which means all of these accounts are inaccurately furnishing on my credit report, the company has already filed this in their taxes so why is this on my credit report? this is unlawful and in serious violations, according to 15 USC 1681eb it speaks on MAXIMUM ACCURACY in the consumer report, immediately delete

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 2022-04-14
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: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to Experian to notify them of accounts unauthorized and inaccurate. Experian has fail to conduct proper investigations and continue to report these items while in dispute. Experian is willfully non compliant and negligent. Experian continues to break the law!

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 

Account Name : XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2021-10-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I obtained a copy of my credit report. I mailed a letter to Pro-Collect XX/XX/2021 Via certified mail. Receipt # XXXX asking for the following debt to be validated. I requested Original application, Billing statement, Photo identification, Lease contract, IP address, Move out charges, pictures of damage. The company called my wife threating her, if she didn't pay she would be sued. Call recorded. The company mailed a letter back XXXX sending 1 page of application no signature, 1 page of lease no signature, no explanation of charges. 

I sent another letter on XX/XX/XXXX certified mail receipt # XXXX advising that they had not properly handled my dispute. I requested the above information to be mailed to me again. Instead the company replied back on XX/XX/2021 failing to process my dispute this time offering 50 % off the debt in exchange to delete the debt the from my credit. I declined the offer. Sent a final debt for investigation of this debt explanation of charges, if company unable to find explanation that they'd delete the debt from my credit. 

The company replied back XX/XX/2021 debt was vaild and would stand in there office and that full amount was due. 

Pro-collect has failed to process my dispute per section 809 & 813

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Revolut Technologies Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I initiated a bank transfer of {$800.00} to Revolut to fund the account. 

Revolut flagged the transfer as needing payment verification which I provided 3 times. 

I reached out via their help chat feature, the only way to talk with a representative, to ask for clarification on why my provided documentation was not sufficient. I was bounced around to many different representatives, often times having to wait XXXX hours to a response in the chat. I have a 26 page chat history from being bounced around so much. 

At first I was told that the provided documentation didn't match the account the transfer came from, then I was told that my husband 's name was in the memo field and that is why the transfer could not be completed. Then they asked for transfer confirmation from the other bank. Then suspiciously they didn't need the transfer confirmation and I received a note saying my account was fully functional and provided a 1 month premium subscription discount. 

Then my transfer changed from " pending verification '' status to " reverted ''. They claim they reverted the transfer on XX/XX/2022 and that within 5 business days I should see it in my other account. It is now XX/XX/2022 and there is no sign of the transfer being reverted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.

Company response to consumer: Closed with explanation