BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Conduent Incorporated
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I checked my Way2Go account and all of the funds had been stolen- almost {$12000.00}. Way2Go ( Conduent Bank ) is the bank that my child support funds are deposited into. I immediately called Way2Go and reported that my money was stolen. I filed a dispute over the phone and was told that a questionnaire would be mailed and I would receive it in 7-10 days. I did not want want to wait that long so I spoke with the dispute department and they told me I could hand write the dispute letter with all of the dates and amounts of charges that were not authorized by me. I faxed that letter in on XX/XX/2023. I called on XX/XX/2023 and was told that the dispute was denied on XX/XX/2023. They said they would send an email letter with details about how they came to that conclusion and letter contains no information whatsoever besides " conflicting information. '' I asked to open an escalation so that they would truly investigate the fraud and 3 have been opened and still pending over 6 weeks later. I have spent countless hours calling Way2Go and they just say call back in a few days. 

Way2Go had sent out a new card in the beginning of XXXX and allowed someone to activate the card and steal all of the money within days. There is an {$500.00} limit per day yet the thieves were allowed to steal thousands a day and it was not flagged by Way2Go. I have asked how this could happen and every single customer service representative has said " I don't know. '' A police report was filed with my local police department and also filed a fraud report with the FTC. Way2Go has yet to communicate with the police department even though I have sent them the reports and told them that the PD has gathered additional information and suspects that would help their investigation. They have yet to cooperate with police.

This experience has been life shattering and Way2Go has not provided any support or even a true investigation into this obvious fraud. I asked about a provisional credit and they said it is not guaranteed but I would have had to get my documents in within 10 days and I absolutely faxed the documents in the day I discovered the fraud. Way2Go needs to be held accountable for their negligent practices and lack of communication while handling such a horrible situation. I was told I will never be able to talk with the investigation department and I can only speak to managers which can give me no information. I have kept track of all calls, dates, names, and information given during each of my calls to Way2Go.

This company has shown zero concern with this situation and what makes it even more sad is that is child support money that I have been saving for years that will help my child with his future education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been trying to fix this account for some time now. I have called several times and they always say someone will call back. I have received a call back but if you miss the call they do not try again. I can not get into my own account. When I enter my information it states that it does not match.

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 2023-07-07
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was sent a XXXX  card ( I believe for rent payments ) from XXXX XXXX. I have tried contacting XXXX XXXX several times to make sure that the account is closed. I have not received any confirmation in writing that the account has been closed. I still receive e-mails and letters from XXXX XXXX about this account. 

I have been told that the fraud office is closed. I have been disconnected when trying to reach them. I have been told that I should call them directly since the representative can't connect me. 

XXXX XXXX opened a fraudulent card in my name. I have been a homeowner for over 30 years, and I have substantial unused credit lines. I didn't need a card to pay rent. Even the most cursory analysis would have indicated that the application is fraudulent. 

To me this is evidence that XXXX XXXX still does not have proper controls in place. I don't bank with them, and I don't plan to bank with 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX BANK XXXX Date of inquiry. XX/XX/XXXX XXXX  CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 2020-07-27
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Additionally, this account was added to my credit in a negative manner while being in a pandemic which is VERY unfair, it already hard to make ends meet and placing a new derogatory mark on my credit certainly did not help at all. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The three major Creditors has not followed TX state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile. This account was initiated without my knowledge or consent due to identity theft. Credit history shows this auto was repossessed as collateral to satisfy the loan. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. With the help the DMV online auto history to demonstrate the sales reports ; Auto was reported at auction on XX/XX/2021 and XX/XX/2021 then registered with TX DMV on XX/XX/2021. Unreported surplus sales history not reported purposely to cover history of transaction to be applied to the outstanding balance reported. I disputed with all three major Credit Bureaus who responded that the information reported meets FCRA Guidelines. All three major Credit Bureaus Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. A HUGE violation of my consumer rights is Chrysler Capital continuously aging of debt and unable to review account on their online portal. A message states a login has been created, nor been able to reset login with my information ; No emails are received to my emails to reset login.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A States that I have a 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 2022-12-30
Company: EQUIFAX, INC.
State: DC
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 several endeavors 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I entered into a Rent to Own agreement with Acima to purchase furniture at XXXX XXXX in XXXX Texas. At the time of the application, I entered my bank routing number and debit card information. Please note that this was my second time using this company. 
I did not note any issues with the account as the company is supposed to pull my payments bimonthly automatically. It seemed that there were billing issues, so I decided on XX/XX/2021 to exercise my early payout option. At that time, I noted that there were several additional charges ( late fees and a NSF ) included in the remaining balance. I went ahead and processed the final payment. 
On XX/XX/2021, I contact the company regarding these additional fees. The representative notes that they had tried to process the XX/XX/2021 payment from XXXX account ending in XXXX. That has not been an active account in a minimum of 4 years. Their inability to process this payment resulted in an NSF. 
On XX/XX/2021, I was notified by email that I had authorized them to switch to the VISA ending in XXXX. This is a relatively new card therefore it validates my contention that I provided them with new banking information in order for them to have this credit card number on file. 
They then proceeded to process all payments using the VISA card reference above but never processed the payment for XX/XX/2021. This allowed them to tack on a {$10.00} late fee for every payment. 
When I contacted Acima on XX/XX/2021, they stated that because the lease was paid on XX/XX/2021, they could not refund these erroneous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation of previous complaint XXXX XXXX XXXX responded to my inquiry regarding my disagreement with the recovery modification monthly payments PNC is offering. I asked the following additional questions as it relates to the next course of action once the research is completed. As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered? 

Simple questions could be answered via secure email per XXXX XXXX advice in her correspondence to me to further discuss information regarding my account over the phone. I advised XXXX XXXX previously ; I prefer via email for a paper trail. The only issues that are being addressed are my concerns that were outlined to the CFPB. This gave me the impression she is not entitled to answer any more of my questions unless it is over the phone or not required at all, but is supposed to advocate on my behalf. Secured email communications have been implemented before when addressing any concerns or in communication with any PNC staff member, I am not sure why a secured message was not initiated when I started asking questions or why my questions could not be answered as I do not have access to an online mortgage account with PNC to send secured correspondences. Im sending another correspondence for the following questions to be answered : As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in to PNC, will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered with pending research? 

All I need is an immediate response as to what I need to do in the meantime while PNC is conducting its research to my initial questions with an approaching deadline to have the documents received by XX/XX/2023, and whether PNC move forward with foreclosure while my account is being researched? 

As stated in the approved loan modification correspondence The next steps is to permanently modify your loan to more affordable mortgage payments or more manageable terms. The terms of this permanent loan modification are attached. It is important that you read this information thoroughly so that you can decide whether you would like to accept this permanent loan modification offer. 

The loan modification is not affordable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I called to get this cleared off, as I don't owe them anything, they JUST keep saying my name isn't on the loan I can't have a copy of it, I called this morning XX/XX/21 and told them I have the paper work that shows the dates are 2 years apart and the house was in XXXX XXXX XXXX name, as I was on a " quit claim '' the House is mine NOT XXXX XXXX XXXX, he took the loan the house was never in his name when the Bank gave him the loan they committed a fraud, she said, XXXX would call me right back, that was at XXXX XXXX, still no calls, and I will be evicted XX/XX/21 if I don't pay {$66000.00}. I don't owe them anything .the, this home is free and clear of debt, I want to stay here. 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 2023-07-07
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, is the only address deliverable to me by mail. All others addresses are incorrect. please remove all other addresses.

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 2023-06-13
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is a follow up for Complaint # XXXX. I spoke with a supervisor at EXPERIAN dispute dept and advised him I will be taking legal actions if the following accounts are not corrected to a positive payment history and balance zeroed out. I also demanded him to remove inquiries as well. Reporting inaccurate information on my consumer report is against the law and my right to privacy. It has also caused me severe hardship ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : US DEPT OF EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$540.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$370.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} INQUIRY : XXXX XXXX XXXX XXXXATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXXXXXX 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