BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
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 XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US   DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or 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 2023-02-08
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
, In XXXX, my friend sent me a gift card, but I couldn't use it, I thought he needed to activate it, so I called the customer service representative and asked to activate my card. He agreed at first, and asked me to provide my address., but after I gave him the address he changed his mind and said there is a problem with my address. There are many recipients. This is my company 's address. There are many different recipients. This is normal. He asked me to submit proof of address and send it to the email address XXXXXXXX, and told me that I dont need to give me the case number, I just need to send it along with the card number, and I did so Yes, but I received a reply asking me to submit a case number. I said that I did not have a case number. The customer service said that I only asked for my address proof, without any news, My friend also called them to ask about the situation, and asked where he bought the card, my friend forgot, so there is XXXX XXXX here for so long, it belongs to us but cant be used by us, we need to provide proof, now The card in my hand is the best proof my card was still there but it couldn't be used, and the {$500.00} was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This account belongs to my XXXX XXXXXXXX XXXX never knew the existence of this account and they send this to portfolio recovery I try to explain the credit but never listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file.I am a victim of identity theft and did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: IN
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:
First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my { {$1000.00} } per violation. *I have sent verification after verification Identifying myself and they keep sending me letters prolonging the process asking for the same thing.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2021, I disputed an account reported by XXXX XXXX XXXX  in the file you maintain under my Social Security Number. 

I was informed on XXXX XXXX that the item was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 




I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.

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 2023-02-08
Company: GOLDMAN SACHS BANK USA
State: NV
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:
Late last year, Apple credit card pulled a hard inquiry on my credit and issued me an Apple credit card. I did not request this credit card, so I contacted XXXX about this matter. 
Apple credit card closed my account and stated to me that they noted my account was closed because they could not verify that I requested, authorized, or applied for this credit card. 
I believe this credit card was requested by an XXXX store agent, without my authorization, when I purchased a new iphone. I believe this because the agent signed me up for several other offers that I did not request. These matters have been resolved with XXXX. 
Regarding the hard inquiry, the XXXX representative told me to contact each credit reporting agency to request that the hard inquiry be removed from my credit report. XXXX will be reporting this account as closed due to unable to verify that I applied for the credit card. 
Thank you for assisting in the removal of the hard inquiry with each agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IL
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:
I am filing this dispute regarding Equifax, XXXX, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2021-04-22
Company: MoneyLion Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft. Someone tried to open an account in Moneylion under my information and he successfully did. I found via my credit report notification. And when I was checking my mail i found 2 debit cards under my name. I called to the company about it and let them know I haven't know anything about your company why I'm receiving this debit cards. They asked me a number of cards to cancel them i gave them debit cards number on phone and they told me they have cancelled it. After that they gave {$990.00} loan to someone under my name and put this on my credit report it's hurting my credit score in my life i have never applied for any kind of loan. I'm very upset about it after speaking with them 3 times they are still giving loan under my name without my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/2022, I sent Equifax a request to remove an unverifiable collection on my credit report. I have not received any response regarding the investigation. This is highly damaging to my credit report, and there is no creditor or collection agency listed so there is no way to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 Account Derogatory remarks from all three credit bureaus XXXX last payment date : XX/XX/XXXX Transunion last payment date : XX/XX/XXXX XXXX last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but XXXX also has my account being charged off in three consecutive months.

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 2022-11-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The payments I made towards money owed on my credit card is not reflecting the balance on my card and the credit card company increases my credit limit without my consent. 
I have made several attempts to resolve the issues with the company about. First issue is that the payments I made towards my promotional balance were not applied. Secondly I did not have access to the activities on the account and there have been no transparency since I opened. Anytime I returned a purchased item to the store, a purchase made on the credit card, the refund never show up on my balance. And whenever I try to resolve the issue the customer service representatives give me a run around.

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 2021-04-21
Company: Experian Information Solutions 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
n accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 u.s.c., 1681 section 602A. States I have the right to privacy 15 u.s.c., 1681 Section 604A. A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have the BofA XXXX XXXX XXXX and I thought we shouldnt be charged withdrawal fees. How do I get it all back?

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 2021-04-22
Company: Georgia Student Finance Authority
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are two late payments on my account that is hindering my credit report my score took a terrible dip due to payment MISUNDERSTANDING. The missed payments were reported in XXXX and XXXX. XX/XX/2019 I made payment of {$270.00}, XX/XX/2019 {$130.00}, and a {$99.00} in XXXX XXXX.My total payment amount for both loans are {$99.00} dollars and {$49.00} dollars. These loans are separate and are to be paid separate I did not realize that. In XX/XX/2019 I made the payment of {$270.00} to cover both loans which left a remaining overage of {$130.00}, XX/XX/2019 I made a payment of {$130.00} which is the total amount of $ XXXX+ {$49.00}. At this point this is deformation of my character because creditors are looking at my profile labeling me as irresponsible. I have asked several times with only updated account info, but I would like a deletions of the red derogatory marks so that I can have a fair chance at a descent interest rate in purchasing my home, instead of higher rates due to a misunderstanding of their payment system.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened Wells Fargo Everyday Checking account on XXXX XX/XX/2019. The account was having the promotion ( attached ) that within 120 days : 1. If i had a cumulative direct deposit of {$3000.00} then i will get {$400.00} cash back reward. 
2. Open with {$25.00} balance 3. Open account online.

For last 3 months I got {$1000.00} direct deposit. When i inquired about {$400.00} cash back reward, Wells Fargo is giving me hard time and coming up with new excuses for not giving me {$400.00} cash back bonus.

I reached out to them via secure email ( attached ) It seems even after scam of fake account opening, some way or the other Wells Fargo want us to open the 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 2023-01-09
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date of Service : XX/XX/XXXX Date of Service : XX/XX/XXXX I have two medical bills that have recently hit my credit report. I have been going back and forth with the collection agency and the original creditor. I spoke with the hospital in which services were received. They stated I owe a XXXX $ balance on both bills as I was covered under the XXXX  XXXX program. I spoke with these agencies XX/XX/XXXX and XX/XX/XXXX and again as of this date XX/XX/XXXX. The hospital and insurance company have both verified with me this debt was paid in full and I have no obligation to this debt. I contacted the agency and oringial creditor in regards to this matter. They requested documentation. I contacted the facility back where treatment was performed due to XXXX XXXX. The facility mailed me itemized statements showing a breakdown of what was billable and what was not. I spoke again with the creditor on XX/XX/XXXX and was told this will not be documentation that allows them to remove this collection. The facility and insurance company suggested this is all they could provide. I can not get this debt removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My daughter is a vulnerable adult on social security disability. I have Power of attorney for her and I am the Payee on her social security. Her mother is on the account but unfortunatly she passed away. She is in XXXX XXXX XXXX XXXX. She has a Netspend debit card account. Netspend has refused to talk to me and there has been fraud on her account. I was able to turn the card off and went through soc. sec. and had her direct deposit changed. I have not been able to talk to anyone at Netspend other than they said I needed to send them the POA. I did that and they said they did not receive it. I sent it again and this time had the post office get a signature. I then went to the Minnesota Attorney General office and they sent my request and they have not received a reply either. My daughter seems to think there should be XXXX XXXX in her account. Doing the math -- she has been receiving {$1200.00} per month. I believe she has not spent anything in the last six months ( she has been hospitalized and now in group home ). I was able to see a balance of aproximately {$900.00} on phone inquiry. But, I also saw many transactions when I know she was unable to make them. I was sitting next to her when one transaction took place. I have asked but Netspend has been unwilling to even talk to me. I also sent them an email and got the computer response that they received it, but no person has responded. In short Netspend has refused access to her account, money, transactions etc. What I would like is to be able to get her money out and pay her bills. I would like to hold Netspend accountable. My daughter says she never received the card on which all these transactions have occurred. I would like to see all the transactions on her card since it was issued. The account balance at the time it was issued. 
Depending on how you look at it, but since her only source of money the social security direct deposit -- I would call this fraud on her social security. At minimum it is fraud on the part of Netspend since they have not allowed her/me ( her POA ) to access her funds. 
Basically no effort by Netspend to even respond let alone resolve. My daughter has not had access to her own money for many months now.

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