BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: DE
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023 I file a dispute with XXXX XXXX and TransUnion my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-02-21
Company: ERC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have the transcript from XXXX stating I had fulfilled my debt obligation to them. I then attached the transcript to a letter from my attorney, which was mailed to the company with no response or acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a {$2900.00} debt collection on my credit resulting from an previous apartment that I lived in with my mother. I signed a lease, but she was head of household. We moved out and there was still a balance due. However my mother has filed bankruptcy since then and that debt has been cleared off her credit, but still shows up on my credit report. I need to get this charged cleared from my credit report, as it is hindering me from applying to future apartments. I should not be liable for this amount as it has already been put through my mothers bankruptcy. Its off her credit but not mine. Without this charge taken off I cant find a place to live.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
THIS IS NOT MY ADDRESS THIS ADDRESS IS INCORRECT AND FRAUD XXXX XXXX XXXX XXXX XXXX, IL 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 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Bank of America and have been a customer for nearly a year between XXXX. I have excellent credit and have paid the full balance on my card on several occasions. I always make extra payments and pay over the amount due. However, I am still being charged the full interest rate and I'm a military member. I sent in all of my documents for SCRA eligibility twice and am awaiting a response. I have asked for lower interest rates but am being told that the rates are going off of eligibility during a supervisor conversation on XXXX XX/XX/XXXX. I discussed the fact that my credit is excellent and my rate should be lower. It's lower on all other cards. I would like in inquiry into equal lending practices because I believe my interest rate is higher due to being a XXXX  and female. Bank of America has had discrimination issues in the past with lending. I do not believe these issues have been resolved.

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 2020-12-04
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is a violation of Hippa law for medical records to be shared without the consent of the consumer. I did not give the creditor consent to share my information with a third party. I dont not owe any debt to the creditor or to the third party. my insurance covers the cost of all visits to doctors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$750.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-08
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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  : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried disputing two accounts off my credit because I was unaware of those accounts. I had no acknowledgement of those accounts. I contacted XXXX  XXXX  and did a fraud claim for identity theft and I have anything since then. I been trying to get these accounts deleted ever since I've known that they been on my credit. These are the dates I have and the amounts. XX/XX/XXXX in the amount of {$520.00} and the other one is for XX/XX/XXXX in the amount of {$740.00}.

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 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 received a letter from Capital One on XX/XX/2023 showing a denial for a credit card that I did not apply for. I also received a hard inquiry on my credit report. I spoke with XXXX who placed a fraud alert on my account. I am currently on the phone with Capital One to alert them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I send money on XX/XX/XXXX to a company called XXXX XXXX. The leader is XXXX XXXX. with office in XXXX and XXXX. I send XXXX which is the fee for his organization to find me partners to finance my projects in XXXX XXXX. Their time line of 12 month past on XX/XX/XXXX. I ask for the money to be reimburse and they promise to do that. 

WELLS FARGO BANK did not poste the Money {$3100.00} I made a claim om XX/XX/XXXX. Wells Fargo agents keep telling me that they are still working on my case until XXXX day XXXX Agent from Wells Fargo told me the XXXX XXXX  WHERE THE MONEY SAID THE COMPANY XXXX XXXX REFUSED TO REIMBURSE THE MONEY. 

I went to a local Branch to Complaint. I taked to XXXX XXXX Associate Personal Banker NMLS ID ; XXXX. XXXX, ARIZONA. 
XXXX XXXX call the Transfer Services of WELLS FARGO and they verified my Identity and ask XXXX XXXX if I was in person in her office? She said Yes. After that they told her to tell me that my case still open. 

Right the way I find out that there is a fraud taking place. XXXX XXXX told me the Transfer services want me to go home and they will write to me by email. Until today I did not received any email about my claim from Wells Fargo. I call XXXX XXXX and they telling her the same story. 

I am coming to you to complaint against Wells Fargo Bank to Reimburse my {$3100.00} in my Checking 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 2020-02-20
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CURACAO XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX USA ( XXXX ) XXXX {$0.00} This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CHECK INTO CASH INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
There is a clause in the loan agreement which I feel strongly should be void ab initio and void as against public policy on the grounds that it seeks to limit federal statutory rights. The portion of the contract states, " You further warrant that [ ... you ] have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. '' Bankruptcy is, to the best of my knowledge, a right guaranteed by statute, and can not be limited by contract or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: M&T BANK CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I lave a auto loan with M & T bank ( loan number XXXX ). I have sold my XXXX XXXX because we don't need that many cars so I have the money to pay off this loan. I sent the final payment through my XXXX bank. The XXXX bank check was cashed by M & T bank XXXX XX/XX/XXXX but M & T did not post it as XX/XX/XXXX. I called them and sent message totem several time but they keep deny received it. Even give the details of their stamp on the back of check. Then one customer service reperesentive asked me to pay {$15.00} more by saying in case the payment was late so I have to pay the daily interest. I did pay {$15.00} as asked. However, they closed my account and blocked me to access my account online this morning so I don't know the final balance and what they are going to do withy Title. 
To me this is a fraud, cheating. It is also wrong closing my account and XXXX me to access my account online within a day.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: IL
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:
ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My money has been in PayPal for a long time, but I still can't withdraw my money. I need to withdraw my money XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: SC
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 Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXT XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed for bankruptcy 2 years ago Portfolio Recovery Associates are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I was charged due to an app that my children downloaded onto my phone, the day it was downloaded I deleted the app & went to my subscription tab to make sure they didnt sign up for anything. I noticed a free trial and I cancelled it right away, deleted the app then thought nothing of it until XX/XX/XXXX when I was charged {$96.00}!! I tried cancelling through XXXX right away ( the transaction was still pending on my card ) but they couldnt do anything. So I reinstalled the app to try and see if there was a settings menu and it had NO account information nor anyway for me to get in touch with someone for a refund. I instantly tried calling Way2Go customer service ( which is the company I am reporting about ) ; and I was on hold for over an hour. I then tried contacting XXXX support and they told me I had to go through my actual card company. I then tried calling the customer service number AGAIN and was on the phone for another XXXX minutes. It is now XX/XX/XXXX and I have tried contacting Way2Go XXXX times a day, every day, sense this charge was made. Each time I am instructed to put my card number in & it would tell me we have an important message regarding your account please wait well we direct you to a representative ; & then its just me being put on hold for XXXX ( minimum ) up to AN HOUR AND A HALF, for FOUR DAYS STRAIGHT. Without ever getting an option to speak to anyone. It just redirects me then Im on hold forever. Also, the charge didnt actually post to my account until XX/XX/XXXX, it was still pending for XXXX hours. ( I called at least 4 times to both XXXX & Way2Go in the time it was still listed as pending )

Company response to consumer: Closed with explanation