BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After departing the apartment complex where I used to live, XXXX at XXXX XXXX in XXXX, Ca., the move-out balance on my account was reported to XXXX XXXX XXXX, a Collection Agency, unfairly and inaccurately by XXXX XXXX XXXX XXXX . I was given false direction, in writing, by the XXXXXXXX XXXX manager at the time, XXXX XXXX, on an alternate method to terminate my lease, which was supposedly coordinated with XXXX XXXX Attorneys ( XXXX XXXX is XXXX 's management company ). After a couple months of following XXXX guidance on how to adequately terminate my lease, he was terminated from XXXXXXXX XXXX without my knowledge, the alternate option that he had proposed to get out of my lease was not honored, and I was charged {$4800.00} by XXXX XXXX XXXX XXXX, which is significantly more than what I really owed for my final statement. After numerous attempts to resolve this matter with XXXX XXXX ( phone calls were never answered, voice messages were never returned ), I communicated with XXXX XXXX XXXX  and paid them {$2000.00} ( C.N XXXX ), which is what I believed I owed XXXX XXXX / XXXX XXXX. I was told by XXXX XXXX XXXX ( XXXX was the representatives name ) that by paying the {$2000.00} amount, they would turn off credit reporting and investigate my account further, but this turned out to be false. XXXX XXXX still reported my outstanding balance to all credit agencies despite its inaccuracy and it now shows as delinquent on my credit report and my wifes. This is unfair collection practices by XXXX XXXX since they didn't bother to verify the accuracy of the information given to them by XXXX XXXX after I had inquired and complained about the inaccuracy of my final statement. 

The attached documents contain a full description of the story, with exact dates, amount owed, and actions taken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX  Balance : {$390.00}, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX  XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I Have established a relationship with Santander bank with a checking account around 2013. I had my belongings which included my wallet stolen from me. All of my personal documents and Cards, Social, and ID was in my wallet. I filed a police report in addition to a dispute with Santander. I recently submitted a request to reopen the investigation with additional proof that I was a victim of identity theft. ( Police report, Affidavits were submitted ) I received a response from Santander stating that they would not honor my request. I am unable to open a bank account or move forward with any banking relationships. I am being victimized and do not feel as if the Banks are taking into consideration my situation and my rights.

I would like for this matter to be addressed. This is my final attempt to resolve this matter before i bring forth any legal action. I

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.

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 2019-02-21
Company: PCS Receivables Corp.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prime Acceptance has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages  and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as XXXX XXXX  and has not been unpdated since XX/XX/XXXX. My XXXX XXXX report is listed as Prime acceptance. I have disputed this information because this account because no similar accounts even show up on my XXXX  account. My girl friend is showing the XXXX XXXX on her XXXX and Prime Acceptance on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-08-12
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : XXXX 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 2019-02-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a student loan being serviced with Navient. My payments are due on the XXXX of every month. This month, XXXX, I was working a lot of hours and realized I forgot to make my payment. When I logged on XX/XX/19 I noticed my loan balance was {$140.00} higher than it was last month. I've been tracking the balance and payment application for a while. I assume this is a late fee, but I was only 3 days late and this seems really excessive. I tried calling customer service and the number I called had two options one to  speak with someone about loan forgiveness and the other sent me to survey about vacation and when I declined it hung up. I tried calling back several times, and each time received a different message and was not able to get the call to go through. I've made several complaints against the Navient as I feel the payments aren't being applied correctly and I've see what appears to be interest charges I don't understand. I've called in the past and have not been able to get a sufficient explanation. Now it appears I can't even speak with anyone regarding my account. I know they have a lot of class action law suites open but what are borrows who have them supposed to do if they can't even speak to someone about their loans anymore?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: DISCOVER BANK
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 had been invited to open a Discover credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for discover on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on discover card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or discovers unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a XXXX XXXX American Express Business Card on XX/XX/2018. Based on the promotional offer, I would receive XXXX XXXX XXXX  bonus points after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership, and a {$100.00} statement credit after the first eligible purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. 

The card was approved, and membership fee was charged shortly after. And I followed the spending requirement in the next 3 months but not bonus points and credit was issued. No communications at all were received from Amex to inform me that I was not eligible for the offer during that period. So I contacted Amex through online chat, and got the response that the sign up bonus on the card was declined on XX/XX/2018, the same day when my card was approved. I questioned if it was legitimate to decline the bonus without even notifying the customer, and instead wait until the customer to contact them to release such information. Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). Otherwise, it is considered a deceptive marketing strategy to encourage the customers to pay the membership fees and meet the spending requirements without extending the promised benefits. In my case, I would not have applied the American Express Card if I was informed that I was not eligible for the promotional offer, or my bonus offer was declined on the same day I was applying for the card.

I have my chat history with Amex online representatives on this matter and would be happy to provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
XX/XX/2020 - XX/XX/2020 {$0.00} The companies XXXX, XXXX, and Equifax have been reporting illegally and malicious complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Account status incorrect

Complaint:
My dispute is with XXXX XXXX I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.

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 2019-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( XXXX ), a telephone company, used my information fraudulently and pulled a hard inquiry on my credit report when I was shopping for their products. 
This was reported on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm having a problem connecting my bank account with XXXX an app which allows me to receive advances every now and then. I've even using this service that XXXX provides for quite some time and now that connection has been severed for whatever reason. I absolutely have no problem with this app being connected to my bank account and yet it has been disconnected without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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

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