BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX  XXXX, AC # XXXX, DO:XXXX Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

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 2019-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: OR
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:
Went to SSA to retrieve Personal Information from said site! ... Had to answer Security Question, 4 of  them, and marked the NONE OF THE ABOVE, on all of them, and was locked out by the SSA website, because the Verification could not be verified ... So, I decided to goto the Annual Credit Report! ... XXXX, no issues ... Equifax, same information, get tapped with the same 4 questions on Equifax as the SSA website! ... Locked out from my Own FREE ANNUAL CREDIT REPORT! ... Then I checked the XXXX, and got 2 of 4 questions right ... I called Equifax and the dude I spoke with said that he could do nothing for me and that he would send out my Report, however, he did not address my issue as to why I called ... Any Information that does belong on there or belongs to someone else! ... I want to be able to see this information that is picked up by any third-party verification processor! ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All three credit bureaus ( XXXX, XXXX, and TRANS UNION ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

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 2022-10-04
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased airline tickets from XXXX XXXX and authorized an amount of {$1600.00}. This was immediately debited to my account and showed up as pending. A few days later, I received notification from my bank that the transaction had not been completed and that the money had been returned to my account. I tried to contact XXXX XXXX repeatedly to find out what had happened, but the wait time to speak with an agent was over 8 hours. Since I was desperate to get to our destination for a wedding as well as to see my terminally ill father, I booked alternative flights with another airline. It later came to light that XXXX XXXX had debited my account with XXXX further smaller transactions totalling the same $ amount as the original transaction, but because this is a multi currency borderless account, this was not obvious because the amounts were actually debited in British Pounds. I contacted Wise for further information about these amounts and found that under authorization they both said " authorization unknown ''. Wise agreed that since there had been no communication from XXXX XXXX as to what they were doing, that these transactions were not in fact authorized and they would initiate a chargeback to get the amounts refunded to me. They later reneged on that verbal agreement and said there was nothing they could do. I do in fact have an email from XXXX XXXX at Wise dated XX/XX/2022 which states that an amount of {$1600.00} was debited on XX/XX/XXXX. It also states that instead of debiting that amount the merchant split the payment and debited additional amounts BEFORE the first transaction was refunded on the XXXX and XXXX of XXXX respectively. I have attached a copy of that email. As it clearly confirms in the email, the transactions say " authorization unknown ''. I contacted XXXX XXXX separately and they said because the ticket is non-refundable, there is nothing they can do. I did tell XXXX XXXX before the flight departure date that I would not be using the tickets and therefore they were free to resell those seats, which I am sure they did. In summary, These smaller transactions were not authorized, Wise agreed that they were technically fraudulent and that they would help us and then renegued. I need to know that my interests are protected when I used my card, and in this case they were not. I need a refund as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.

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 2017-09-16
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a notice from hp sears in regards to a payment for XXXX XXXX for an amount that i paid in full in their not once but twice! I paid it twice through XXXX XXXX XXXX because my insurance company refused to pay the debt at the time. Why am i getting a collection notice on something that is over two years old 1 and 2 for something that i paid not once but twice! This debt is not vaild and should not be reflecting on my credit report. In the state of AZ they have 180 days to report to collections its two years old and has also been paid! Therefore this should not be reflected on my credit report

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 2021-12-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XX/XX/2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. AND EVERY TIME I ASKED FOR A CREDIT REPORT THEY WOULD SAY THAT THEY CANT FIND ONE IN MY NAME. ON MY CREDIT REPORT XXXX IS REPORTING SOMEONE ELSE REPORT ON MY CREDIT REPORT AND IT IS IN SOMEONE ELSE NAME BUT ITS STILL ON MY CREDIT REPORT. 
TRANSUNION REFUSE TO GIVE MY CREDIT REPORT AND I SEND IN THE REQUIRED DOCUMENTS. AS A CONSUMER I HAVE THE RIGHT TO KNOW WHAT IS ON MY CONSUMER 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 2018-01-04
Company: COMMERCE BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I experienced several problems while doing business with Commerce Bank over the past few months. 

1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 

2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 

3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an  XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. 

During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX  times in a XXXX yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime XXXX cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am a 100 % XXXX XXXXt. Since I live more than XXXX miles from my primary care doctor, I am also part of the XXXX XXXX program. In XXXX. XXXX, I went to the XXXX clinic about XXXX miles from my home. Since I was having a serious medical condition, the XXXX sent me by ambulance to a non XXXX hospital. I was admitted and my condition improved and I was released 6 days later. My XXXX rate ( XXXX XXXX ) stabilized on the afternoon of the XXXX day. The XXXX XXXX XXXX was deferred to a later date. 
The hospital is billing me for co-pays and amounts they say were not paid by the XXXX. I have been informed that the hospitals have to accept what the XXXX pays and the XXXX can not be billed for the deductibles and copays. 
The hospital has turned the medical bills over to a collection agency. I have tried to explain to them and the hospital that I am a XXXX XXXX and I am not responsible for the charges.. 
Also that I can not be sued or garnished because my only income is XXXX XXXXy XXXX and XXXX XXXX and it is exempt. I have also explained this to XXXX, XXXX and XXXX. All of them are and will be reporting the debt on my reports. 
.

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 2021-09-15
Company: Uplift, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on UPLIFTINC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 2022-02-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company over the years have destroyed my credit on purpose, if i get a defrement they report to the credit bural i have been late for 120 plus days or more. and thats not true as i am on a deferment plan. they lied to the credit agency. how can you put late payments on me when i have a deferment. they been harming me for years, they fixed it before on both loans and now have it down again as late payments many of them. stop this and take those late payments off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
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:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX  credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.

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