BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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 am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
we lived in XXXX my wife and the kids went back for family visit for only couple of days son fell down needed medical assistance we assumed he would be covered by either the old XXXX medical cover or the newer XXXX one and now we been getting this charges for that visit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX I received a welcome phone call from Global Lending XXXX. On XX/XX/XXXX I received a call from XXXX XXXX stating that I need to return the car or get a co-signer. I returned the car on XX/XX/XXXX to XXXX XXXX who at that time stated he did find a bank that was going to approve me. I just had to leave my car take the loaner and bring my paystub. When I returned back to the dealership on XX/XX/XXXX I was told my part-time job working 60hrs a pay period I couldn't use. This was all a scam and they are wrong I signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
wire transfer payment, person to person was made internationally to pay for tuition. 
The bank failed to provide disclosure as to fees charging and dollar to euro exchange rate. 
I have requested a recall of the funds From my bank, Bank of America, within 6 months from the transfer. I had explained the party the funds were transferred to, the business failed to provide services I had requested or was paying for. 
I was no longer a student and requested my tuition/money to be reimbursed, retracted. 
I provided documentation to bank explaining that I had tried to remedy the situation with the business I had paid and requested the refund from them. 
I provided documentation as to the payment was for and proof that I am not being provided a service which should constitute as proof that the services were not provided by the business that I initiated a payment 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 explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : 1 have the right to privacy and I did not give Equifax written permission to furnish these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in a promotion with Citibank. I upheld my part of the bargain, but they have not upheld theirs. They are refusing to credit me XXXX XXXX XXXX miles I am due for participating in this promotion. See attached letter, it explain everything, as well as supporting documents.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureaus : XXXX, TransUnion & XXXX are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on 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 2020-12-10
Company: EQUIFAX, INC.
State: MA
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:
The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an XXXX  data breach. Immediately delete those accounts or I will file litigation.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent 4 letters to XXXX and TransUnion to remove some items off of my Credit Report. They have not provided Verifiable Proof ( an original consumer contact with my signature on it ). While some items have been removed not all, even though XXXX  has removed the rest of the items.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XX/XX/XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of XXXX XXXX and XXXX XXXX. I want all items that's not correct deleted from my report. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue 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 explanation
Consumer complaint received 2019-11-09
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, XXXX XXXX an alert was sent to my phone from XXXX tracking for package delivery. This was a package that I did not order. I immediately opened my account to see a pending charge for a company XXXX XXXX XXXX. I called the capital one bank and notified the day of the pending transaction ( XX/XX/XXXX ). I was told, I had to wait for the charges to clear to file a dispute. On XX/XX/XXXX, I filed dispute after the transaction posted. Capitalone is denying my claim because the merchant ( XXXX XXXX ) said that my name and address matched the order. The total was XXXX. I attached the XXXX  shipping tracking information, in which it is plain as day that the package was rerouted multiple times before ultimately being sent to XXXX. My identity was stolen to make this purchase. I did not even receive a package that I Have now paid for and have no idea what was even purchased. So, if both parties, ( capital one and XXXX ) are saying that I made the purchase, I didnt receive a package. Which once again clearly showed it was sent to XXXX ( 2000 miles from my current location. I filed an appeal with capitalone and called the merchant myself. Capital one is now sending me their investigation findings as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I have no knowledge of this alleged debt and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. There is no written communication received regarding this debt. Please REMOVE 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: American Coradius International LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: NAVY FEDERAL CREDIT UNION
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:
I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XXXX XXXX, 2020, I mailed Navy FCU a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XXXX XXXX, 2020, at XXXX. It has been over 30 days and I have not received any correspondence from them. 

I am a Federally Protected Consumer Navy FCU needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My account had fraud and I filed a police report. In total, PNC has charged {$510.00} claim with XXXX. Yesterday, this 1 derogatory credit file prevented me from opening a credit union account. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: ZIONS BANCORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello I applied Credit Card With XXXX XXXX XXXX  XXXX and I was asked to go to branch to provide my driver license my paystub and utility bill along with copy of another credit card, I complied with their request and went to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and left all documents with them. Today I called to get status they are saying they can not verify my identity with is strange because i was there physically.

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 2020-11-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On the date of XX/XX/2018 chase bank allowed my business partner who by the way was fraud I entered XXXX dollars to a business account owned by chase transferred from my personal XXXX XXXX account. I was never told that any money was being taken from the business account by chase. I partnered with a female named XXXX XXXX who was the individual who stole all my savings stating that we can open a business together and once I transferred my funds she stole the money I was never notified that any funds were being stolen being the primary account holder and the one who entered the funds in the account I should've been told something but I wasn't this women was allowed to take my business funds I went the bank to find out about the account just to be told I was left with XXXX dollars I have all transactions she has made that did not include the business she was taking personal trips and flights with my funds. J.P. Morgan chase bank located in XXXX ny XXXX XXXX branch XXXX account number XXXX the amount again was {$150000.00} dollars I was also told that being as thou she was my partner they can't help me get my money back and they closed my account I was never notified about any transactions regardless to the fact I should've been alerted and no email no bank statements were sent to me nothing from the bank describing deductions. I now have all the statements being as thou I went to the bank my self without any knowledge of what was being done within a week all my funds were stolen out the account and she transferred the rest of my money to a her private account and opened a business in her own name with my funds please help. I have reported this to the FBI as well and hope to get the help I need complaint numberXXXX as it states in the statements she transferred funds to another business which is weird because this is already a business account and in the statements she has the business she owns on her own she transferred XXXX to a check please look into this I should've been notified and I wasn't about any of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a 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 2019-02-23
Company: GreenSky, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We have a loan for our kitchen remodel through XXXX XXXX. Since XXXX of XXXX, we had been locked into the auto-pay system. In XXXX of XXXX, their system did not take our payments and we were not properly notified. My wife ( XXXX XXXX ) called in XXXX of XXXX after noticing the payment was not taken out that month. From what i remember, they told her there was an issue with their system and they needed a new payment method. No fault on our end. When asked if they could help take back the negative strikes on our credit, they said there was nothing they could do. Our credit scores dropped about 50 points after this event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
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:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation