BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( XXXX XXXX Transunion ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXAddress ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: CO
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 account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX  is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this 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 2023-01-26
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
American Express National Bank and XXXX XXXX XXXX XXXX XXXX, without notice, filed a lawsuit against me in a state where I do not live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 XXXXC 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 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX continue to report this debt from capital one which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my 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 2023-06-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Did you buy this alleged debt? You have no proof that I indeed went to see this doctor and/ or was seen by this doctor. ARS is making an assumption that this debt is mines. I consumer XXXX XXXX did not receive any validation of this debt. This is a violation according to 15 USC 1692G. Consumers indeed are the only person that can indeed validate a debt. You as a debt collector can not. Many of debt collectors get sued for this very reason because unfortunately, you assume liability the moment that you buy this debt or communicate with the alleged consumer about this alleged debt. This is a violated to the HOSPITAL AND ALL MEDICAL CLINIC. I have the right to privacy as a consumer. Medical debt is back by protection and privacy. 




Company 's Response Thank you for taking the time to write us. We are a third-party debt collector. Your accounts have been placed with us for collection by medical professionals. The services received were XXXX  services. Per the XXXX  records, these were rendered per your initiation in urgent or emergent circumstances. If you need your medical record or consent to treatment from the time of service those records can be obtained by contacting the facility directly. Our records show we sent debt validation to you in XX/XX/2022 which confirms the date on which physicians provided services, original creditor, current balance, and language on how to dispute the debt. If you wish to obtain an itemized statement for your records, please submit your request by emailing XXXX. Our reasonable investigation has confirmed the accuracy we have about your account and verification of debt will be mailed to the address on this complaint. This communication is from a debt collector. Respectfully, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I got stuck with buying a XXXXXXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I didn`t get my sales paperwork until two weeks after the sale. I called, and went down with a friend to get the sales paperwork one week later, and was told by XXXX XXXX ; Salesman at XXXX that the General manager, XXXX XXXX father died and that he was in XXXX XXXX XXXX 

When I finally got the paperwork, I looked it over and noticed that they put down ' {$2000.00} in assets ', I have no assets at all. The salesman also put in that I make {$4000.00} a month. I work as a XXXX XXXX XXXX, we never get that amount of money. I was only making {$13.00} an hour. Also, it was written in that I was at the XXXX XXXX for 3 years, I started with them one month before this sale. 

The Healthcare Agency was bout to fire me as well, so I resigned. There is also something about me putting down $ XXXX, that was to get my car back that I drove there in. I have a Lawsuit against XXXX XXXX XXXX for false representation as well as many other items as they had two eeks to doctor up the sales paperwork. 

Wells Fargo should have checked this sale out before lending the money to XXXX XXXX XXXX, so I'm considering a lawsuit against Wells Fargo Auto Finance as well.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-03-13
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX, XXXX 2020 I made a XXXX  transfer over $ XXXX with XXXX XXXX to XXXX XXXX in order to buy a little piece of land. When the money arrived the bank in XXXX XXXX ( XXXX XXXX DE XXXX XXXX XXXX ) refused to forward the money to the account holder and requested documents to prove the origin of the funds. During a period of 30 days, the bank asked for several documents which we all instantly provided. I went several times in person to the bank, together with the account holder. I called the bank almost every day to make sure they received the documents and also asked for the status. The $ XXXX are my savings over the last years from my work as a freelancer and with the land purchase, I wanted to make a dream come true. This dream turned into a nightmare, however. In XXXX, XXXX 2020 the transaction was rejected for the reason that I couldn't prove where the funds come from. I consulted XXXX and they offered me to do a recall which they initiated on XXXX, XXXX 2020. Until today, there is no update on the recall nor did my money come back to my account. I'm on the phone with Transferwise on a regular basis but they say there is nothing I or they can do but wait and that the problem is the intermediate bank. The intermediary institution is CITIBANK XXXX, XXXX XXXX XXXX NEW YORK.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This Person ( XXXX XXXXXXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2019-05-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a {$5000.00} loan in XXXX in anticipation of having a tax bill and other expenses coming up. The girl that I signed the documents with only had me sign the signature pages and had me skip all of the other pages with the details of the loan to try to get me out of the door as soon as possible. They signed me up for online access to my account, but they did not give me any physical paperwork with an account number, loan amounts, interest rate, etc. I kept getting emails about statements being available, but didn't even have my login information that they set up on my behalf. I finally get logged in today and see that my {$5000.00} loan is listed with a {$5900.00} starting balance. I repeatedly told the girl that I did not want any insurance or any add ons on my loan. Apparently she didn't listen, the statements don't even list an interest rate, and my monthly payment is barely touching the principal on an amount that is not even correct! OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  XXXX is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX and this needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-09-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting 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:
ChexSystems has not provided me access to my account, my report they keep or even a pin that I've requested months ago. 
.Also, I changed my information with the multiple times and they still have my old email and old phone number and they will not change these things.

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 2023-04-03
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/. I walked into Carmax with a preapproval letter from XXXX XXXX. I had already chosen my vehicle online and gave them a pre-qualified credit authorization form. I made it very clear upon purchasing that I only wanted to use XXXX XXXX. I was offered several times other financing options, and I made clear I did not want my credit to be run against any other report other than XXXX XXXX. Upon checking my credit report, I found Carmax ran my credit through their system without my authorization. I went to the location and spoke to them about it, and the manager XXXX had informed me that it mustve been a mistake because of a click of a button. I found this to be unacceptable and unlawful. The credit authorization form through Carmax only has an electronic signature that I did not authorize, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks  sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card  companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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