BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my 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 2019-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon traveling as a XXXX  i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinanced home with new mortgage company and funds were wire to shellpoint mortgage company on XX/XX/2017 in the amount of {$180000.00} and shellpoint reported to all three credit agencies that didn't make a payment in the month of XX/XX/2017. I called several times to correct and they are refusing to make the correction. They acknowledge funds were received and the loan was paid off but they are refusing to fix their mistake. I have the documents of the payoff that occurred in XX/XX/2017. I called several times starting in XXXX ( asking if they received wire transfer ), XXXX ( saw credit report as being late for XXXX 's payment ), XXXX and now it's caring over into the month of XXXX and can't get shellpoint to fix their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WITH MIDLAND CREDIT THAT IS A THIRD PARTY COMPANY WHO PURCHASES DEBITS OWED THAT HAS NO CONTRACT WITH ME, I HAD A CARD WITH XXXX  AND THERE WAS CHARGES THAT I HADNT MADE AFTER REPORTING THIS DIRECTLY TO THE COMPANY I NOW HAVE XXXX OFF MY CREDIT DUE TO IT WAS RESOLVED I CLOSED MY ACCOUNT AND SOME HOW MIDLAND CREDIT PURCHASED THIS OLD ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY TO EVEN COLLECT THIS AMOUNT, I CLOSED DOWN MY ACCOUNT AFTER THE FRAUD PURCHASES WHERE RESOLVED NOW I HAVE THEM THREATEN TO GARNISH WAGES AND THEY DONT HAVE A CONTRACT WITH MYSELD WHICH HAPPENS TO XXXX XXXX XXXX I WOULD LIKE FOR THEM TO STOP REPORTING ON MY CREDIT AS THE ACCOUNT IS CLOSED DUE TO MY REQUEST AND THE CHARGES HAVE BEING RESOLVED, PLEASE PROVIDE ME WITH A CONTRACT THAT I HAVE WITH YOU AS YOU ARE JUST A THIRD PARTY WHO PURCHASED THIS OLD ACCOUNT THAT HAS BEING CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from my new monitoring service regarding an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$89.00} and another for {$64.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2020-07-07
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I settled 2 student loan accounts with Wells Fargo in XXXX. During the negotiation process I was told my credit reports would be updated 15 days after payment was received to show the accounts were settled and closed. Wells Fargo received the settlement payments on XX/XX/2020. I contacted them on XX/XX/2020 to confirm when they received payment and was told at that time my credit reports would be updated within 30 days from receipt of payment to reflect the settlement payments. I let the representative know I had been told 15 days but they told me I was informed incorrectly. Once 30 days passed I checked my credit reports multiple times to confirm that they were updated to reflect the settlement payments but Wells Fargo has made no updates. I called Wells Fargo on XX/XX/2020 to inquire when the reports would be updated and the representative told me I needed to wait. I informed her I had been told the credit reports would be updated within 30 days and she said maybe it would be done in 60 days and to check back later. She could not confirm if and when the updates to my credit report would be made only that I needed to wait.

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 2020-11-21
Company: Experian Information Solutions Inc.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my 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 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They said I owe a debt so sent them a validation of debt letter, letter of demand, and notice of dispute. I have not received a response from them yet, also they closed my account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF THE WEST
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-12-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX Balance : {$230.00} {$230.00} {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I looked at my credit report and I saw a lot of fraudulent accounts on my credit report. I would like to remove these as soon as possible. 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 2020-12-02
Company: Elevate Recoveries, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I contacted Elevate Recoveries LLC via certified mail regarding two violations they have made. The bill was in the amount of {$730.00}, therefor I sent them a invoice in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CARD Corporation
State: PA
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:
About case number XXXX, I need y'all to reopen my disputes up again because I got cancellation proof look at the attachment below ; I did cancel service with them, and I had contacted them before for a refund, but the lady agent couldn't find the payments in her system. She asked me to send her a payment statement of the payments that were billed on my card. I did, and she told me she would send that to her supervisor team to review it, but no one has emailed me or called me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with Conduent, the company contracted to do the customer service for the Way2Go XXXX Card, on XX/XX/2020. The letter sent to me requesting a form to be filled out and provided information on the dispute process clearly states ; ( this is taken directly verbatim from the letter ) " If a letter outlining your dispute details or the attached Investigation Form is received within 10 business days from the date of your initial call, and the investigation is not complete, a provisional credit will be issued to your Card account on the 10th business day while we continue our investigation. '' The wording specifically states ON THE 10TH BUSINESS DAY. I had a gentleman attempt to argue with me that the day I filed the dispute doesn't count. That isn't stated in the letter, but that would make today ( XX/XX/2020 ) the 10th BUSINESS day instead of the 11th anyhow. He then wanted to argue that today isn't a business day because it's Saturday where he is. It's still Friday here and just because you are in a different time zone and the day changes it doesn't invalidate the fact that the previous day still occurred and just so happened to be a business day. The only reason that I can find that they would attempt to use the XXXX as the 10th business day would be to not count the date filed and then XXXX XXXX. However not a single person has mentioned that to me, but I am sure after reading this that will be the excuse given. Even still, the wording states, " received within 10 business days from the date of your initial call '', that would mean that the first day is counted, as I believe the word " within '' means inclusive. I have read nothing but complaint after complaint about how this company does business and am actually appauled that they have contracts with Federal and Local governments. Regardless of how they handle this situation, I have every intention of filing formal complaints with the Attorney General, XXXX, FTC, and the FDIC. This is a clear violation of Regulation E and it appears this is something that they regularly practice, and they will continue until oversite is accomplished. And I will email XXXX XXXX XXXX office about this every single day if I have to. My complaint may be only one and small, but the THOUSANDS that have been submitted aren't a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
On XX/XX/2021 PNC Bank took over my credit card account from BBVA. Once PNC took over the credit card account I never received any paper statements and my credit card account was never added to my online banking. I have repeatedly called PNC to inform them I was not receiving any monthly paper statements and my credit card account had never been added to my online banking. I am basically in the dark as to what charges are being put on my account. I have called PNC every month at least once about these issues. To date my requests have been ignored by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Basically after a brief search of my credit history yielded no current history since roughly XXXX. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from TransUnion 2 documents of the same content with different dates showing no corrections. 
I then started to call all 3 agency 's only to find that even though TransUnion said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the XXXX to XXXX I believe, I am not sure why my credit history and or reporting is done outside the XXXX. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a business owner with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????

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 2020-11-21
Company: Chime Financial Inc
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an account closure notification from Chime.com ( XXXX XXXX, XXXX ) with a notification that I would not get refund of my balances until I provide " documents '' that they do not specify which. 
I sent an email to XXXX asking how will I receive my remaining balances and they did not respond. 
I have around XXXX XXXX dollars on my account that they are holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Under Inquires on my credit report " XXXX XXXX XXXX '' did not have my permission to pull my credit report twice on XX/XX/XXXX. XXXX 

They only had authorization for one hard credit check not two.

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