BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I no longer live at the address that is on file with the ways2go app i have tried to call the ways2go customer service line but it will not let me speak to a agent to try and change the address and have it resent out to my address that i live at or ask if they would be willing to send the money XXXX XXXX as a one time courtesy.

Please help anything at this point will help PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, SunTrust Bank ( STB ) allowed a hacker to transfer {$500.00} from our checking account to a new payee. Upon email notice from STB, we immediately call STB Fraud XXXX and asked to stop this unauthorized withdrawal. STB helped us set up new ID and PW and suggested we file a Fraud Case application. We submitted the Fraud application online XX/XX/XXXX, and a Case # XXXX was assigned. STB sent their XX/XX/XXXX letter via email denying our claim. We called STB and submitted a rebuttal/appeal with additional information on XX/XX/XXXX. On XX/XX/XXXX, STB denied our rebuttal. The 2 STB letters stated : " You have the right to request a copy of any documents that were used in decisioning your claim. Should you have any questions, require information or work like to request any documents that were used in decisioning your claim, please contact or office at XXXX. '' We called this number & emailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. On XX/XX/XXXX, we visited our local XXXX branch and spoke with XXXX XXXX. He called the Fraud Department and relayed a commitment to respond within a few days. We sent all our documents, emails, letters, etc to XXXX who forwarded them. Still NO REPLY. We followed up with XXXX on XX/XX/XXXX & XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-06
Company: Experian Information Solutions 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-10
Company: First National Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX I received an image via text with the following message : FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. 
Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts. 

I also received the following text message : Call us at XXXX or visit us online using reference number XXXX at reminder.fncbinc.com/fncb Reply STOP to stop texts. 


I received these messages on other occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received these messages from the number ( XXXX ) XXXX. On XX/XX/XXXX, I received these messages 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 2018-10-30
Company: EQUIFAX, INC.
State: HI
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 have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest Credit located at XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been sending me collection notices of {$410.00} due. This collection is reported as past due. I do not know this company nor have I ever done any business with them. They do not have a contract with my signature. I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}

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 non-monetary relief
Consumer complaint received 2019-03-15
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was unaware of Perfection Collection having my account of debt they became owners of my debt XX/XX/XXXX. They never mailed me any notices about my debt prior to reporting me to the Credit Bureau on XX/XX/XXXX. Once it was reported to my credit report I became aware that this company Perfection collection had it. This account had been with 2 other debt collectors ( XXXX XXXX and XXXX XXXX ) and i was made aware of those because i was notified in the mail by them in the balance amount of {$3800.00}. Once I saw the company Perfection had my debt on my credit report with a balance of {$4400.00}. Which my debit also was reported on my mothers credit report as well as a joint owner which was false. my mother and I went round and round with Perfection Collection and the original debt holder XXXX that the account was wrong my mom was fraudulently added onto my account. Charges are in the process for the fraud against XXXX and I have an email from the original debt holder that my moms name is to be removed from the account and reported to be fixed on the credit report. That still hasn't been done but during all of this I sent a written dispute to Perfection collection that I didn't agree with the balance owed and to please send my written documentation showing my debt and how the balance has be increased for justification. After several attempts via writing and calls to get this documentation to me for my dispute they have refused to provide the evidence. The ding on my credit will continue to be on my report which I would like to resolve but don't feel comfortable to settle my debt with Perfection Collection till I have the documentation of my debt and the balance increase in writing to me in the mail for my files and justification. I feel this company is violating my consumer rights. Perfection Collection keeps trying to justify their actions by saying they are offering me a 25 % discount of my debt but how am I to know that I am being treated fairly if they will not provide me any documents to justify it all. Perfection also said that i would find the additional charge in my original contract with XXXX i read the contract let them know i couldn't find such wording of additional charges if account goes to collection and any $ amounts. I've asked for them to show me where it is in the contract but have not been shown.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal refused to give my money back b/c of the the fraud clearly gave them evidence of the fraud they said they couldn't help XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan for {$5000.00}, {$900.00} carried from existing loan overand added to new, Made a total {$5900.00} on loan. No early payoff or penalties.fees, even asked again when I tried paying it off! Been paying on new loan for 10 months at {$280.00} a month. Called beginning of XX/XX/2023 to payoff loan in full with {$5900.00}. I was told I would have to pay {$6200.00} or $ XXXX phone not sure, i was upset, but itcwas over the original ammount. I said I have {$5900.00} the whole loan that's it, you've received XXXX for 10 months and he said that hasn't even started paying on the loan thatci had just been paying interest! My response was, well loan was {$5900.00} I'm offering u the whole amount. He said no he would write it as a charge off it I paid the {$5900.00} and no more. Republic finance in XXXX. 
So called another location to get it resolved, they could not get into my account for some reason to handle the issue. 
This company also told me they could not have access to my bank account unless on auto pay, but they did and quoted charges I had on my bank statement. Now they are calling me for the XXXX payment again! 
Spoke with another person finally and a month later are willing to take the {$5900.00}! 
I don't have anymore what do I do. I've been working on my credit for years now this. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: JPMORGAN CHASE & CO.
State: NV
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:
I am contacting your agency for assistance in disputing several transactions on my XXXX account ending in XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/XXXX XXXX  {$2000.00} Chase XXXX XXXX XX/XX/XXXX XXXX  XXXX  {$1200.00} Chase XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report as stated by the Fair Credit Reporting Act. I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 
I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I would like to request evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report.

Additionally, under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I w ill be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-08
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 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 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account XXXX XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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:
2nd request..these are not my accounts, nor did I authorize these companies to run 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