BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
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: Information belongs to someone else

Complaint:
The following information are inaccurate on my credit report. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. {$7200.00} - DOES NOT BELONG TO ME XXXX OPEN XX/XX/XXXX XXXX. {$500.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX {$660.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL 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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, a credit card with XXXX XXXX was opened up using my information. 
My ex-husband opened this account using my information and I never authorized him to do so. 

Upon finding out about the existence of this account, on XX/XX/XXXX, I requested that this account be closed.

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 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

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 2018-11-17
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied for the American Express Gold Card with the promotional offer ( spend {$2000.00} in the first three months and get 50,000 Membership Reward points. Also, get up to a total of {$100.00} restaurant tips reimbursed in the first three months ). Note that this credit card has a hefty annual fee of {$250.00}, and I sincerely believe that the promotional offer was one of the biggest reasons that I applied for the card and wanting to become a long-term AMEX customer. 

Yet, when I noticed that my restaurant tips were not reimbursed and contacted the consumer service ( on XX/XX/XXXX ), I was then notified that my card-opening promotional offer was declined and there's no way of re-approve my promotional offer. 

During my application, the application specifically stated that the application that I have submitted came with the promotional offer. In fact, the promotional offer was on the side both when I was typing in my application information and after submitting my application information. My application was instantly approved within 1 minute of submission. Yet, I was not notified of any rejection of my welcome offer either during the application or after the application approval. My notification of promotion offer rejection only came after I contacted the consumer service about it on XX/XX/XXXX. 

I find Amex way of promoting credit card applications fraudulent and misleading. I felt being lied to. Such behavior from AMEX is truly disappointing and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
Once again exeter finance dances around the topics in a complaint. 
1.i have never by exeter or any credit reporting agency been informed of any of the investigative steps taken to come to their responce other than exeter reviewed phone records So since this in its self is a clear violation of the time allotted by the FCRA I ask the CFPB to travel this file deleted and if there cfpb will not based just on that, then I would like to add that according to the fcra that any evidenced used in making a determination or finding in a dispute, is evidence that I am privy too, and if you refer to my previous complaint I stated a formal request to exeter finance to be given any and all calls that they used or have, and ot only have I asked in this instance but at least 3 others and just like the previous complaint exeter and XXXX have totally shown batten disregard for my right to evidence as it clearly states in the fcra that I have a right to upon request so on these grounds as well I ask the cfrb to either remove or persuade deletion. And on the very slim chance that the cfrb doesnt see the rights violation as grounds for deletion I will be seeking civil penalties against those who have and continue 2 bully and flex their I'll placed power XXXX am Formaly requesting any and all including but not limited to the calls that exeter finance made evidence by stating that they reviewed then and stated their fin of review.the fcra allows a time for delivery of 15 days if not delivered in that time please do away with this account so that this nightmare of dealing with this lying company who will not stand by their word when this vet stood for them if for some reason claims company policy for not being able to release please advise them that if they did not want them to become rightful and dutiful evidence they should have never mentioned them in their responce company policy is no concern of mine as I am within my rights to review them and if they do no provide then please Delete this file hopefully my words early on in this complaint will enable it to not get to this point and will be delete C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : I C SYSTEM Account Number : XXXX Date Opened : XX/XX/2021 Balance : {$0.00} Reason : Identity theft Please remove it from 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 2022-02-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in the hands of the wrong person.

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 2019-10-21
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2019 Call to refinance on a personal loan. Requested a balance {$16.00}??.??. Payment pulled out but not subtraction d from my loan balance. 
XX/XX/2019 Called to see if loan payment pulled by their bank applied. No. 
XX/XX/2019 Called payment still not applied. Clerk tells me to call on the wednesday the XXXX. 
XX/XX/2019 Call loan has cleared. Now all I need is a account summary of my bank account showing positive balance. Go into the store show account summery. Clerk tells me okay to refinance the personal loan. Sign papers to refinance back to {$2500.00}. Receive a check for {$790.00}. 
XX/XX/2019 The night before it comes to my attention I was expecting a check in the amount of {$990.00} or {$1000.00}. Realize my check is $ XXXX- {$300.00} short. So I call well the balance only lian had grown to {$17.00}??.??. Because it took 14 days 2 weeks to post to my loan. 
I lost, interest, and finance charges it happens again in XXXX. I make payments of {$320.00} out of that payment my prinicipal should lower by {$140.00}. Instead it is increasing by double that. 

I start my complaint on XXXX XXXX. Their response on XXXX XXXX is that it usually takes a couple of weeks to clear. And if they were to refund me it would make the contract if the lian null and void. That they are sorry. 
My theory is someone in corporate office is holding on to the payment and gaining interest on that money. This is not fair since it is their bank pulling the payment. How could it the 2 weeks. 
Can you help me to get a refund of {$200.00} for each month that the payment is not applied within a reasonable time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions 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 been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this 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 2020-08-19
Company: JPMORGAN CHASE & CO.
State: CA
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 opened a second Chase credit card in late 2017. I used the card for a few months, paying off the balance in entirety each month, and then ceased usage of the card entirely. 

The revolving credit account now appears on my credit report, showing that the account was " charged off '', with a final balance of {$500.00}, and several missed payments. 

Chase never sent a paper bill, never called, never emailed, or otherwise attempted to make me aware in any way that the account carried a balance while the account was open ( and, if any transactions were made, I did not make them ). I regularly logged into my Chase account online and regularly observed a balance of {$0.00}. 

I have spent many hours on the phone with Chase over the years attempting to resolve this, to no avail. I'm unable to attach any documentation showing the balance of {$0.00} as the account is closed and I'm no longer able to log in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/20, I went to the drive thru for BBVA Compass Bank in XXXX XXXX, CO. I asked for a copy of my checking account statement, but the teller and the branch manager refused. The falsely stated that their system was down and that it could not be rebooted because it was a nationwide outage. After checking in the internet I found no such outages nationwide for BBVA Compass Bank. There is a order in place in this state for banks to remain closed due to COVID-19. So I was not able to go inside the bank to request this information. This is the second time that this bank has refused to provide me with a copy of my bank statement during the pandemic. It is always with the same excuse that their machines are either slow or down. I believe they are stealing my stimulus money, or other XXXX funds from my account and are trying to cover up the fact by not allowing me to see my statement. They have also been unlawfully sharing my personal bank information with other persons ( XXXX females ) without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 - Zelle payment was sent from XXXX XXXX  for {$250.00} and then another for {$350.00}. The payment was made for tickets in which in less than 24 hours, the seller blocked me on XXXX and did not give the tickets... The seller is still active on XXXX. and on XX/XX/2021 I contacted the person by email in which the responder stated that he knows nothing of the incident and would " find '' out what happened... did not get a response since then. And today, it is XX/XX/2021 in which Zelle and XXXX state that they are unable to do anything about it...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Ideal Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE ACCOUNTS THAT ARE NOT MINE CLOSED AT XXXX  XXXX XXXX AND XXXX. 

I ALSO HAVE A XXXX  XXXX COLLECTION THAT IS NOT MINE. 

FINALLY IDEAL COLLECTION SERVICES ABUSIVELY HAS ACCOUNT THAT I DO NOT OWE WITH MY WIFE AND THEY CALL ME CONSTANTLY AND HAVE EVEN THREATENED ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my 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 2021-07-08
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: Information belongs to someone else

Complaint:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2018-10-18
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Contacted by Online Information Services who stated I owed a bill in the amount {$130.00}, and that I needed to take care of the payment immediately. The representative went on to informed me further action could be taken if I failed to pay the amount now. The representative stated once the account was paid, it would be removed from my credit report and no further calls would be made by them. I paid the {$130.00} immediately and noticed it stayed on my credit report. I contacted Online Information Services who stated they would not remove the account. I alerted them to the fact that I was told by their representative that the collection would be removed and account updated, they went on to inform me the representative informed me incorrectly. Refused to update my report with the correct information. 




ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ONLINE Information Services Phone Number : XXXX Website : http : //www.onlineinfoservices.com/start/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been with Wells Fargo since the 1990s, and have also been in business since that time. This morning, I was solicited by a Wells Fargo Bank Personal Banker, in the branch, for a " Wells Fargo Business Credit Card ''. Although I immediately declined interest ( as I have enough revolving credit available already ), the employee tried to sell me on the fact that " this business card would build the business 's credit ''. Being very familiar with Wells Fargo 's " sales practices '' and their history of unethical credit sales practices ( for which they have been fined in the past by the U.S. government ) ; AND, my knowledge and experience with business credit, I expressed my skepticism to the banker. I tried to give her the benefit of the doubt, and allow her to address my reticence, but she became quite defensive, argumentative, and rude. So, I stuck to my declination, and decided to look into her claims later. I've now done that, and not surprisingly, she was lying through her teeth ( as I suspected ). According to XXXX ( since Wells Fargo does not make the necessary information readily available online ), like most retail " business '' credit cards, they " do not help build your business credit ''. The reason I am so upset, is because not only has Wells Fargo been punished for unethical practices involving their credit products in the past, but most customers are not as savvy about credit as I am, and I know that this dishonest practice has undoubtedly enticed countless others into availing themselves of this Wells Fargo product, for a promised benefit that is not available. I also know this is not an isolated issue, because I've received the same dishonest " pitch '' for this exact same product for decades, from employees in branches across the country. What made this occasion more objectionable, is the attitude that the employee had. Previous employees have acknowledged their lack of understanding and certainty about the false claim ; this one became defensive, argumentative, and rude -- another tactic that likely coerces customers of a different constitution. Since unnecessary credit has a tangibly negative impact on consumers, I believe that this issue ought to be adequately investigated by the CFPB, and that they should hold Wells Fargo accountable for the continued pattern of unethical credit sales practices ( since they clearly have not learned their lesson from the last round of fines ).

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 2021-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE.

Company response to consumer: Closed with explanation