BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. 

The case number is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX REF # XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-06-24
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX & Equifax have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX XXXX. XXXX, EQUIFAX AND XXXX have refused to remove an erroneous collections account from XXXX   XXXX EQUIFAX XXXX XXXX are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( XXXX ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to XXXX, Equifax & XXXX via Certified mail return receipt by the XXXX. I am attaching the XXXX letter that is the same letter sent to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After being relieved from my lease due to a breach in contract and vacating my unit XX/XX/XXXX I received an email from a representative at XXXX for a move out statement on XX/XX/XXXX claiming I owe {$770.00}. On XX/XX/XXXX I  disputed the balance as inaccurate and after that I didnt receive any further communications from this company verifying that this debt is accurate. I received an alert from the credit bureau stating that a new account was added to my report so I checked it to see that XXXX had sent a bill to collections with an entire new balance in the amount of {$860.00}. So instead of verifying the accuracy of the fees from the move out statement, they added more fees on top. I had not received any communication from the reporting agency or the original creditor since I disputed the original statement on XX/XX/XXXX so I was unaware that it even existed and was not given the option to dispute it or revived any notice of said debt before it was placed on my report in XX/XX/XXXX. I have recently reached out to the original creditor and they are also refusing to provide me with any validation. I have timestamped photos from the day of the inspection showing the unit was clean, I have copies of the exchange of emails between the community manager and I, and I also have a portion of my lease where it shows that they violated the terms for a move out procedure and sent this account to collections while completely ignoring my dispute. The only correspondence I received from XXXX was for a bill in the amount of {$55.00} that was sent on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/XXXX, I submitted a letter to CITI regarding the following disputed charges : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX, XXXX  XXXX XXXX  XXXX {$260.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX {$220.00} The above-mentioned charges on my XXXX statement represent disputed charges. These charges are far past the allowed timelines to charge back to my card, which represents a clear violation of the MasterCard cardmember agreement on which these charges were initially made. Shortly after, my account underwent a feature change and was converted to the Costco Visa card. However, these charges fall under the Citi XXXX XXXX MasterCard limitations. 
Recharging me for these disputed transactions 6 months later also represents a clear violation of Regulation Z and the XXXX. As such, it can also be considered a violation of DTPA for its deceptive violation of the CardMember Agreement, Federal Statutes, and the MasterCard Billing Dispute Practices Regulations. 
I requested CITI comply with current consumer protection laws and allowable timeframes, as well as provide the required documentation. 
To date, I have not received a response regarding any of these charges listed.

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 2023-08-23
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:
I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the [ charge be removed/the debit reinstated ], that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

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 2022-03-16
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2018-02-13
Company: Stenger & Stenger, P.C
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed now Im trying to fix my credit

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 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per my last complaint against PORTFOLIO RECOVERY ASSOCIATES LLC that was closed unresolved, I am a federally protected consumer currently being harassed by PORTFOLIO RECOVERY ASSOCIATES LLC. I have already sent off a cease and desist in addition to a debt validation request to which both have failed to be properly honored. 

PORTFOLIO RECOVERY ASSOCIATES LLC has admitted to the CFPB that they purchased MY personal information ( which has a lawful copyright attached to it and held in a private trust ) from a company for the sole purpose of extorting me as a consumer and committing mail fraud. This is illegal and unlawful under federal law. Because of this, proper documentary evidence of the original contract between myself as a consumer and PORTFOLIO RECOVERY ASSOCIATES LLC can never be properly provided because it does not exist. ( Reference 18 U.S. Code Chapter 96 : XXXX XXXX AND CORRUPT ORGANIZATIONS ) If my consumer request to remove all defaming and negative remarks off of all of my personal consumer reports is denied, I will be seeking relief via litigation. A process which could lead to several hundred thousands of dollars for all damages as well as criminal penalties against the members of this corporation. 

I will also be reporting this company to the Attorney General of Virginia to make them aware of their deceptive business practices. 

I am a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, consumer, am submitting this communication as a formal notice to cease your unauthorized hard inquiries listed on my credit report and a formal demand that you immediately contact the credit reporting agencies and ANY 3rd party, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiry removed : XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove all of the previously stated addresses because they do not belong to me. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a checking and saving account opened in the XXXX, XXXX, PA area PNC bank. I no longer live in the area but do transfer from time to time to make my account active. 

However, when I am trying to log on my account on XX/XX/XXXX, I found out that my account was closed. I called the bank and they said that it is due to inactivity. They did more research and cal me on XX/XX/XXXX and said that online transfer does not count as activity, so my account is escheated to the state of Pennsylvania. They claimed that were trying to reach me couple time later but I have never receive any mail, call nor email. Also, when I open my account, the representative never told me that the online transfer is not count as activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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: Account information incorrect

Complaint:
To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Netspend Corporation
State: GA
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:
On XX/XX/2019, about XXXX XXXX I was locked up in XXXX, didnt get out until XX/XX/2019, I attempted to use my  netspend card, it didnt work, I called netspend to complain, file a dispute, they denied my claim saying they did nothing wrong, but on XX/XX/XXXX, a new card was issued to someone while I was in XXXX. Can anyone help me get my Social security money back almost {$4000.00}. I contacted the president of netspend he tried to reopen it, that department denied, contacted XXXX, they stated that netspend stated, they did nothing wrong. Can anyone help me to get my social security money back. 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 2021-06-26
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2020, I received a letter from BB & T notifying me that my checking account will be closed and the remaining balance will be refunded to me via mail. I think it is good since I am going to a state that does not have a BB & T branch. 

In XXXX and XXXX, I received the statement of the checking that should be closed and found I was charged about {$10.00} every month for maintenance fee or low balance. 

I immediately called BB & T about this issue. However, all the representatives told that they are unable to do with this, and gave me the number of fraud department and branches. I tried to call those numbers and just went cycle between these three departments. Or the representatives required me to go to a branch. But I am in a state that does not have a BB & T branch. 

Really tired. I spent tons of hours on phone calls, every month when I received the terrible statements.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both Transunion and XXXX are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off 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