BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : 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, FL XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XX/XX/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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.

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 2021-02-05
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 is missing that should be on the report

Complaint:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-02-05
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to XXXX XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and XXXX XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until XXXX to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. On XX/XX/XXXX I received a letter in the mail stating that I could call and make a pay arrangement. So I called today on XXXX XXXX and was told I couldnt make a payment arrangement and that they will continue to affect my credit report negatively. That a payment is required by XXXX or negative remarks will be added to my credit report.. I have tried over the years to settle this debt and with no resolution. Just rude representative and no compassion or understanding.

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 2018-12-11
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo apparently has weak internal controls and accounting systems. Their mobile app indicated a transaction of {$7000.00} from XX/XX/1999 is pending which prevented access to my home equity line of credit. As a result of their poor systems and lack of controls, my {$15000.00} check did not clear with a vendor causing me much embarrassment and hardship during my construction project. This is a bank that has repeatedly hurt their customers over and over again and I wish you guys would make them get their act together.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: CT
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 Fair Credit Reporting act XXXX Account # 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 Dept Of ED , 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Called Credit Acceptance to see the condition of the car so I can either get the car towed to me or picked up i have been given the run around ever since I paid the fee to come get the car i have been having these problems also contact is fraud i never sign the contract threw online the contract i have doesn't have finance charges because credit acceptance have hidden fees

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-23
Company: EQUIFAX, INC.
State: TX
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 according with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Several accounts were opened in my name and with my personal information without my consent or knowledge on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. When I found this out in the month of XXXX of XXXX or XXXX ( I believe it was the year XXXX ) I called all three credit agents and provided them crucial evidence that validated my statement that fraudulent activity was happening to me. The evidence that I provided was government documentation stating that I had been XXXX  at the XXXX XXXX jail during those dates due to a XXXX XXXX and that the fraudulent activities that transpired were not me.Not only do I not have access to a phone or computer to make such transactions reported by the three respective credit bureaus, it is physically impossible. After reporting this to the agents at the credit bureaus, absolutely nothing was done nor investigions were made. I know that according to the Fair Credit Reporting Act, under several sections mentioned but mostly The Administrative enforcement ( 621 ), comliance with the requirements composed under this title shall be enforced by the Federal Trade Commision Act with respect to consumer reporting agencies. A violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act in commerce in violation of section ( 5 )... If you proceed to read you will find that grave mistakes have been made regarding my filed claims of fraud to all three credit bureuas. And nothing was done when I submitted proof of my inability to make transactions. I want immediate attention to this and the remaining pending cases and according to the FAir Credit Reporting Act, I am entitled to financial compensation given I have spent almost two years paying an outside company to get these items removed from my credit.

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 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
. I am a XXXX XXXX XXXX widow, living on a state pension. I have been a loyal customer of my local branch of Bank of America since XXXX. I am appealing their denial of my claim XXXX XXXX. 
On XX/XX/XXXX, I allowed use of my computer to a stranger, calling from XXXX.He said he was from XXXX and that I was entitled to a refund, but needed to remove some software. When I got back on my computer, I noticed that he had set up a XXXX transfer of {$2200.00} from my Bank of America checking account to : XXXX XXXX XXXX ; confirmation number XXXX I immediately tried to contact Bank of America, but they have no 24/7 direct line to report fraud, so I had to wait until XXXX XXXX on XX/XX/XXXX to file my claim. The woman I spoke to tried to calm me down and said not to worry, while it was being investigated, I would get a temporary credit within 10 days. 
I went into my local branch and proceeded to open a new checking account and got a temporary new ATM card. 
On Monday, XX/XX/XXXX, I filed fraud alerts with the XXXXhree credit bureaus. 
On XX/XX/XXXX, I went back to my local branch to close the old account. I asked the rep about my fraud claim and she called corporate and learned I had been denied. A letter will be forthcoming. Upon arriving home, I called the fraud line and asked about my credit. A rep named XXXX explained that it was denied because they had sent me a text about the XXXX transfer and received authorization to proceed. I never received a text nor did I approve of it. She said the text was sent at XXXX XXXX on XX/XX/XXXX. 
I then contacted XXXX to see if they could check on any text received on my phone at that time. We were unsuccessful in restoring any texts from that day but their rep XXXX did tell me, I see that here was a message that was received on XX/XX/XXXX at XXXX. It was sent from XXXX. For security & privacy we are unable to view what the message says. If there was an approval sent, it is obvious that my cell phone was spoofed. I am willing to sign a notarized statement swearing that I never signed up or authorized this XXXX payment of {$2200.00}. 
As a customer of 57 years at Bank of America, I am upset that they will not uphold their promise of restoring my funds,, since they were obviously as much a victim of fraud as I was. 
According to their web site, = : Q. Do you get your money back if your bank account is hacked? 
A. Federal law says that if someone takes money from your bank account you will get all of your money back if you notify your financial institution within 60 days after the fraudulent transaction appears on your bank statement

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX ; XXXX and Transunion are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.

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 2021-02-05
Company: CITIBANK, N.A.
State: FL
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:
Last XX/XX/2020 I decided I would like to open up a secured card with city card so I gave them {$600.00} and shortly there after the roommate that I was living with stole the card and moved out nowhere to be found. I explained all of this to the overseas fraudulent resolution department at city card and city card in shored me that they were going to completely XXXX out the balance so The {$600.00} security payment that I made would be returned to me since I never once used the card and I want to make that clear upon my conversation with the gentleman in the fraudulent department he said we are going to send you a check and its for {$4.00}. I said wait a minute I gave you {$600.00} as a security deposit never once had a chance to use the card you know it was fraudulent because you wiped off the fees and now youre refusing to give me back my {$600.00} at this point I have my lawyer on retainer and I expect city card to do the right thing and mail me my {$600.00} security deposit from last year not XXXX dollars at this point this is causing me much XXXX  pain and suffering and my attorney said we can include all of that in the litigation so its going to end up costing Citibank much more money and legal fees much more money in additional pay out because were going to sue big if were going to go to court and if you choose to not send me back my money you are stealing from your customers. CFPB this is just another example of big bank taking advantage of the small consumer especially during COVID-19 when many Americans are struggling to put food on them on their table I find this really really disrespectful just tasteful and dishonest.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased 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 explanation
Consumer complaint received 2022-11-23
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:
Despite my multiple attempts to correct my Credit File by removing the fraudulent accounts and information off my Credit Report, the Credit Bureaus have been doing nothing! My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items completely from my Credit File : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX : {$760.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$240.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXX/XX/XXXX. You have also been failing to send me copied of proof of veRification of proof of ownership, yet you have been continuing to report these items which is a clear violation of my consumer rights. If you are not able to provide these documents you should have removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX  XXXX Balance Owed : {$550.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.

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 2019-08-08
Company: EQUIFAX, INC.
State: IA
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:
I have tried the past 5 days to obtain my credit reports from XXXX  and Equifax, never having issue in the past. I havent gotten them in years. As correct the info is that i provide, I am unable to obtain them. What i have been able to contact is XXXX. I even was trying to pay for them without success. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have paid my account as agreed but the company keeps reporting an inaccurate information on my account, they marked it as late payments. On XX/XX/2020 I wrote to the credit bureaus and requested information about an account they are reporting on my credit report but they never responded. I advised them that if they failed to respond and/or comply with the law, then they would be subject to fines and damages, per the FCRA.

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 2022-10-13
Company: RSH & Associates, LLC
State: MO
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:
There is {$530.00} fraudulent medical collection account still reflecting on my XXXX credit report even after submitting a multitude of identity theft documents.

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