BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX,, XXXX XXXX, NV, undefined, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX, XXXX XXXX Par, XXXX XXXX, CA, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XXXX, 2019 Balance : {$250.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-04-12
Company: Weinberg Mediation Group LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Winberg Mediation Group contacts every person and even employer they can. they called my parents brothers former and current employer. informed them that i was being sued. additionally have threatend me with a law suit if they werent paid. as recently as today by XXXX XXXX. Attached is a copy of a message left for my boss

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: PNC Bank N.A.
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Affairs, I recently obtained a copy of my credit report and discovered that there is a PNC account listed that does not belong to me. Additionally, there are several inquiries listed that I did not authorize or have any knowledge of. 

Attached to this letter, please find a copy of my credit report as well as a cover letter with the inquiries listed. As you can see, the PNC account and the inquiries do not match my personal information or credit history. 

I have taken immediate action to dispute these errors with PNC and the credit bureaus, but I also wanted to bring this to your attention for further investigation. I have always been diligent about monitoring my credit and ensuring that my credit report is accurate, and I am concerned about the potential impact that these errors may have on my creditworthiness. i also have some lates in santander account that was agreed to reverse by creditor. 

I request that you investigate this matter and work with the credit bureaus to have these errors corrected as soon as possible. Additionally, I would appreciate any assistance you can provide in identifying how this erroneous information was added to my credit report and preventing it from happening again in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX  was removed off my other credit report experian will not remove after i disputed it an sent in documents of it being paid in full

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 2019-03-11
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have over {$180000.00} in an Ally account and another {$1000.00} in an investment account. I have had the account for less than a year. Twice a month I had funds transferred to that account as part of a regular savings program. On XX/XX/2019, I attempted to transfer {$60000.00} out that account to pay taxes. Subsequently, I attempted to transfer {$20000.00}. In short none of the transfers went through. We spent hours on calls trying to figure out why. Then I got frustrated and I tried to close my account. Ally blocked my online access to the account. My wife and I had XXXX or more calls to them. My online access was never restored. Last Friday I was on the phone from XXXX am to XXXX pm. Finally, I was told I had to do a wire transfer and pay {$20.00}. I would receive the money the following day, Saturday, XX/XX/2019. On Saturday I called because I had not received any funds. I was told, besides what I was previously told, that there were no transfers on a Saturday. I was told I would receive the funds on Monday, XX/XX/2019. On Monday I didn't receive any funds. I called Ally who told me there was no request for a wire transfer and I had not previously contacted them about a wire transfer. 

At one point, I was told by their Fraud Department that our calls were recorded. If that is true there should be telephone recordings that will verify this complaint. I believe this is intentional and a systematic design to prevent or make any large transfers of funds. They tell you there are red flags and problems that prevent the transfer. That does not explain that I have systematically transferred on a regular basis almost {$190000.00} into their bank. The first time I tried to withdraw money its been a nightmare. At this time I still have not been ale to get one dime out of Ally.

Even if this is one big series of mix ups, their lack of support and customer service is terrible. You have long wait times. Often I am on the phone and then I get disconnected. I often spent over an hour on hold. I would then get transferred and then that person would put me on hold. Because everything is online a customer is powerless to do anything other than call back when they are disconnected and get back into the queue. When I would ask to speak to a supervisor then each supervisor seemed irritated that I asked to speak to them. They would tell me there is nothing they can do because I had to talk to another department. Ally is the worst bank I have ever dealt with by FAR.

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 monetary relief
Consumer complaint received 2021-07-08
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my initial account with Chime back in XXXX, and everything was going great until XX/XX/XXXX. I opened a Chime XXXX XXXX account where they provide members with a prepaid credit card funded by the member by moving money from the spending account. Everything was great until Chime decided to trash my credit score with XXXX  and XXXX over a disputed charge of {$79.00}. For an entire month they were blaming this all on me, but then at the beginning of XXXX they finally admitted that they made a mistake and were crediting the {$79.00} to my account. The only problem was that I had closed my account, and so I requested a paper check be sent to me in the amount of {$79.00}, and they told me that it can take up to 14 days to process. I never received my check so I reached back out to them on XX/XX/XXXX. They gave me excuses as to why they did not send me my check. Now they are saying that I have to wait another 2-3 weeks before I will get my check, but after finding an article online where they are not giving member 's their money I highly doubt I will get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX card stolen at XXXX after being approached by two men in XX/XX/XXXX along with social security card, license, and other debit cards. Police report filed at XXXX. I was in the middle of a chapter XXXX bankruptcy that was discharged XX/XX/XXXX. I was paying my monthly payments and even the company knew card was stolen they still didn't close account. I moved XX/XX/XXXX from residence that was like a month or so later and my mail was still not forwarded to new address. So I wasn't aware the company was sending statements. The credit limit was XXXX dollars but Midland Funding who purchased my debt took a litigation on me and I was sick with a XXXX son and was sick myself so I couldn't attend court with XXXX XXXX so I came in as court said to submit written documentation to reschedule/and or let court aware of situation and I did but still had a judgement against me. Midland Funding has not one accurate payment associate to my account nor information and from XX/XX/XXXX-to XX/XX/XXXX this debt was sold by the credit card company without no payment histories, no accuracies. Under Legal Proceedings of XX/XX/XXXX XXXX XXXX  states that Midland have filed charged off debts, and other debt buyers, from original creditors that not only reached it's statutes of limitations but also, filing these lawsuits against consumers have violated section 1032 ( a ) 1036 ( a ) 1 of the consumer protection Act of 2010. Section 805,806,807 : The fair debt Collection Practice Act. USC. 1692 ( a ) ( c ) ( d ) ( e ) ,163, fair reporting Act and also section 1053, and 1059of CFPA12 USC 267 ( a ) ( b ) the Bureaus issues the consent order. Please delete this company XXXX XXXX, Midland Funding LLC, Midland Credit Management off of XXXX, and XXXX and XXXX credit reports. They are harassing me and I am receiving SSI for my XXXX son and can't pay on a closed account with an {$740.00} balance because I disputes the {$640.00} and recently company charged {$100.00} more. This account was opened in XX/XX/XXXX,. Or XX/XX/XXXX I have emails of stolen cc and the verifiable date and this company doesn't have validation if it's not the original creditors nor accurate info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-03-18
Company: EQUIFAX, 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:
Consider this as my NUMEROUS 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 : 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 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 2019-04-08
Company: Sierra Holdings LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 I obtained a copy of my credit report from the three bureaus, listed on the report was a charged off auto loan listed by XXXX XXXX XXXX. I asked them to validate the debt because I know the account had been paid by the co-signer and removed from the co-signers account. I did not receive validation of the debt from XXXX XXXX XXXX. I went on to their website on XX/XX/2019 to find that they have transferred all of their accounts to a new company, XXXX XXXX XXXX XXXX ( XXXX ). I contacted XXXX and was advised by both a representative and manager that they have no record of the account and was given an email address to contact XXXX XXXX because they no longer have a telephone number. The email address I was given was faulty and not accurate. I have no way of contacting the creditor, XXXX XXXX XXXX, who has listed the account on my report, leaving me with no possible way to remove the item from my 3 credit reports. I have sent certified letters, emails, numerous phone calls with no response. I contacted the bureaus and was advised to do exactly what I have already done for the last 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX 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 explanation
Consumer complaint received 2023-09-01
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Companys reported to my credit without permission thats fraud

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 2020-02-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.

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 2023-03-18
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I c system XXXX XXXX XXXX XXXX XXXX, Mn XXXX To whom it may concern You have this account listen as an open account in the amount of {$790.00}. The original company has also sold this debit to your company with my personal information with out my consent. That is not under the FCRA compliance. This information that you are reporting Is inaccurate and needs to be removed immediately. Please send me a copy of my credit report when this issue has been removed.

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