BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the social security administration I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do that!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: FC HoldCo LLC
State: AR
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:
On XX/XX/2020 Flagship Credit Acceptance falsely reported an {$86.00} balance increase on my credit report causing my credit score to drop 62 points. This is after me asking them several months in a row to change my payment due date from the XXXX to the XXXX of each month and them not doing it.

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 2018-09-02
Company: Choice Recovery, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account with Choice Recovery , Inc., has been paid in full but it still shows in collections on my credit report. I need Choice Recovery, Inc., to report the debt as paid in full in order for me to close on a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
In XX/XX/2020, XXXX charged my Capital One Credit Card, for things I did not approve of. The total charges were around XXXX dollars. I disputed them with Capital One, but now Capital One is claiming I did not provide them with any information. I have sent them letters. I have sent them e-mails and I have spoken to representatives on the phone. Most of my correspondence was ignored so I submitted a complaint to XXXX. The Capital One reps I did speak with told me XXXX  claimed I told them the account was fraudulent, which is NOT what I told XXXX. I told XXXX  there were fraudulent charges on the account. Now Capital One is claiming I am responsible for the fraudulent XXXX   charges. I have been a loyal CO customer for years. This needs to be fixed, ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
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: Information belongs to someone else

Complaint:
I am contacting you because XXXX keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX and a victim of identity theft and XXXX has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and 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 2017-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

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 2021-06-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We, the Bank sent wire on behalf of our client on XX/XX/2021 for {$13000.00} to HSBC NY routing number XXXX to credit HSBC XXXX XXXX, Swift Code XXXX, to credit beneficiary. The Beneficiary claims the funds have not been received in their account. We have sent 8 service messages to HSBC in New York. The dates the service messages were sent are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. The messages to HSBC NY are to ask for confirmation of credit and then recalling the funds to be returned. HSBC had not responded or acknowledged any of our service messages. I also contacted Customer Service at HSBC at XXXX, but they were not able to give us any information as we are not their client. As of today XX/XX/2021, we don't know where the funds are at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: GOLDMAN SACHS BANK USA
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please see the attached explanation. I sent this letter to all three credit agencies and Goldman Sachs to plead for an act of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: WELLS FARGO & COMPANY
State: CT
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:
I want Wells Fargo to report a positive a positive payment on my account. Wells Fargo is part of a class action settlement due to issuing CPI insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: PA
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 have repeatedly told them ( XXXX ) that they ( XXXX ) didn't run it through the insurance company ( XXXX XXXX XXXX  ) that I have, if they would have ran it through the insurance company it would have been paid. MY INSURANCE NUMBERS ARE AS FOLLOWS : ID # XXXX XXXX XXXX XXXX for 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 2020-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX : Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX  XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My Bank of America ( BoA ) Visa card was switched to paperless billing without my consent. They BoA representative claimed it was when I visited their website but they couldn't send me any proof and never sent a letter detailing the changes to my account. When I asked if they had something I signed or if I was sent notice of the changes to our relationship the representative stated it was more like a box you had to un-click. 
I assume it happened a few months ago as the next letter I received from them I was already multiple months late on my payments because I never received a bill. I'm just paying it off and closing the account as it wasn't my primary credit card and I don't want to do business with them again. 

I realize paperless billing saves them money. Do they have incentive programs for their employees to switch people? I have never knowingly agreed to paperless billing in any of my financial relationships.

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 2021-06-28
Company: SG and Associates
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My childs mother XXXX XXXX used my social security number while I was XXXX to buy a cellphone underwear my name and I did not give her permission I was 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 2021-06-28
Company: Porania, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON 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 2021-06-28
Company: EQUIFAX, INC.
State: SC
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. 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 reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

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 2017-08-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My purse was stolen on XXXX XXXX, 2017, and someone on XXXX XXXX, 2017 went to a WELLS FARGO Bank branch with a Withdrawal form filled with my information and even with my signature falsified and the teller authorized the withdrawal from my saving account in the amount of {$800.00}, I have a copy of that transaction in my hand with all that information.

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 2018-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My daughter leased a car and I co-signed through a dealership. XXXX XXXX financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out XXXX XXXX  had reported a late payment. Through many calls and emails between the dealership and XXXX, after XXXX tried to blame the dealership it was discovered and proven that it was a mistake that XXXX made. Every time I try to find out why our credit is still not fixed after 2 months XXXX basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.

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 2021-06-28
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter stating that a checking account had been opened in my name, the letter provided an account number and routing number. A letter followed immediately stating that the bank identified this as potential fraud and access had been blocked. I tried to call bank and it wants me to input a ssn, which I did not do. I tried to get through to an operator and when I did, I got hung up on. 
The Banks info is : PENFED Credit Union. 
Address of bank : XXXX XXXX XXXXXXXX, XXXX NE XXXX. 
Bank phone number XXXX Bank web page : PenFed.org

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