BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file 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

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 2022-05-23
Company: WELLS FARGO & COMPANY
State: CA
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 reached out to Wells Fargo claim assistance center to take a look at these transactions and refund my money as I did not authorize any of these charges made under my name through XXXX with the merchant called XXXX. They says its been so long and wont be able to help I need my money back. Following are all the charges made under my account through payment with my credit and debit card. 

All the amounts are in dollar 
Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt  notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, my son sent {$2000.00}. from a TD Growth Account Money Market to my TD bank account. He received a confirmation of the transfer and a confirmation number : XXXX. He didn't realize that there are two options of payment, one immediate and the other in a couple of days. 

By XX/XX/XXXX we went to the XXXX XXXX Branch of TD bank. After working with a very attentive woman who sat on hold a good part of an hour and was transferred twice. we were told this type of transaction ( because it wasn't immediate ) would take 3 business days. She also went into my phone apt and adjusted my info for XXXX who does the transfers. 
Fast forward to today. Again I went into the same branch and a very nice young man, XXXX XXXX, tried to help. This time after going thru the steps taking over a half hour he speaks to someone named XXXX in the Tech support. XXXX then tells Mr. XXXX that the transfer was rejected on XX/XX/XXXX. 
So where was the money after it was taken from the Money Market account? My son, XXXX XXXX, is the trustee for that account and he was never notified that the transfer was rejected. I have received money from him before without problems. 
Not too long ago my husband had sent money to our granddaughter and she never received, but it was withdrawn from his account. He sent the money again and she got one of them and the other one was rejected. This is all TD Bank to TD Bank. 

Once is an oops, twice in banking begins a pattern. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the fair credit reporting act XX/XX/XXXXAccount # XXXX has violated my rights. 

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

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

I have sent 3 letters for a 3 credit bureaus on XX/XX/ and have not gotten a response. The open dates are inconsistent on all 3 bureaus.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal 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 2019-11-19
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I obtained A Wells Fargo secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XX/XX/XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove 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 2018-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018. sent letter asking to validate the debt, but ignored my request. still no validation of debt, placed it on credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is reporting an inaccurate public record. It is a Chapter XXXX Bankruptcy. Also, I have frozen and suppressed my Lexis Nexis Consumer Report, but Lexis Nexis continues to report information without my consent to XXXX, XXXX, and XXXX. My rights are being violated under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. filed a lawsuit on XXXX XXXX XXXX behalf then Peroutka, Miller, Klima, Peters, P.A. shared my personal information with Klima, Peters & Daly P.A. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, Peroutka, Miller, Klima, Peters, P.A or Klima, Peters & Daly P.A. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection XXXX c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. illegally shared my personal information with Klima, Peters & Daly P.A. and all obtained and are in possession of my personal information without my lawful authority and Peroutka, Miller, Klima, Peters, P.A. and Klima, Peters & Daly P.A has used such information and illegally attempted to collect an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Merril XXXX breach account agreement and violation of the regulation E, that says an account must be in XXXX balance for it to be closed and if a bank decides to close an account they must mail a check to the mailing address on file. This is not the case after Merrill closed my account since XXXX I deposited a check of {$3800.00} on XX/XX/2023 into my XXXX, it was passed the cut of time so XX/XX/2023 was regarded as the day of deposit, on XX/XX/2023 this check was paid by the other financial institution, along the line Merrill closed my account i have the account closure case ID, so i called for my money and i was told it was sent out on XX/XX/2023 i waited and the check never arrived in the mail, i went online and realize people have several complaints about XXXX holding people 's fund after closing the account on XX/XX/2023 when i called Merrill customer service it was on speaker and i was recording the conversation with my other phone so i could have evidence of merrill lying and trying to steal my money, i tried to attach the conversation to this complaint but the website will not allow file above 10mb so i have to attach just little of the recordings where this representative was telling me it was not sent on XX/XX/2023 but it was sent out on XX/XX/2023, i have waited and till now there is no check in the mail. 
I WILL LIKE TO SAY THAT I DON'T HAVE PLANS TO REINSTATE MY XXXX ACCOUNT WITH MERRILL, AND MERRILL DOES NOT HAVE RIGHT TO MY MONEY AFTER CLOSING MY ACCOUNT. 
I DON'T WANT TO HAVE A BUSINESS WITH MERRILL, I WANT MY MONEY DEPOSITED INTO MY ACCOUNT Bank routing number : XXXX Direct deposit account number : XXXX Bank name : XXXX XXXX XXXX Deposit Amount : {$3800.00} Account type : Checking Name : 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 2023-06-02
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2022-12-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
This account was removed from my account on XX/XX/2022, after i requested additional information and they were unable to do so. Now the dept was added back without the proof. This dept was sold to another company and added and this account was proven to not be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
Credit acceptance keeps reporting my accounts wrong. I havent made a payment since XXXX of 2017. But they say i am only 120 days late. My accounts should not be in my current revolving history. They should be in my derogatory closed sccounts. The XXXX  should be removed. Its beyond XXXX yrs.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: VA
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: Other problem getting your report or credit score

Complaint:
What other action needs to be taken here instead of constant complaints against Experian? 

Do I need to find a resident agent in my state and sue for damages? Please advise what my next steps should be because Im sick of making these complaints and getting no relief. Maybe if a judge orders them to pay damages for all the things Im being denied for due to incorrect credit score reporting then they will get the picture. 

My credit score comes up as seriously delinquent yet I have zero missed payments, no collections and 2 late payments in the last 5 years. My accounts are ALL PAID AS AGREED. Where does SERIOUS DELINQUENCY come from? I will not take the almost XXXX point hit to my credit score from a late payment made 60 months ago ( that I corrected the day after you reported it ) and a seriously delinquent status on my report at the same time. This company is LYING by definition of what a serious delinquency even means. Additionally, I check my score EVERYDAY it is currently XXXX, yet Experian continues to report my score as XXXX. Please see the attachments. 

Thank you.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX & XXXX XXXX {$120.00} 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 non-monetary relief
Consumer complaint received 2019-06-03
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 belongs to someone else

Complaint:
XXXX has inaccurate information on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please see the attached documents as the personal information you are reporting is not mine.

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 2017-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I applied for a credit card online with Kohl 's. It was approved for {$300.00} and I placed an order for about {$200.00}. I was checking my account online today when I noticed the balance was - {$280.00}. I owed {$580.00} the exact amount discharged in Bankruptcy on XX/XX/XXXX. They took the {$300.00} and added the {$580.00} which comes out to a negative  {$280.00}.

Company response to consumer: Closed with explanation