BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. I am demanding the immediate deletion of the following items off of my Credit File as soon as possible : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX US DEPT ED XXXX Balance : {$3100.00} XXXX US DEPT ED XXXX Balance XXXX {$460.00} qt DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$6800.00} XXXX US DEPT ED XXXX Balance : {$7200.00} XXXX US DEPT ED XXXX Balance : {$3900.00} XXXX US DEPT ED XXXX Balance : {$6700.00} XXXX DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.

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 2023-04-26
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: Information belongs to someone else

Complaint:
This is my multiple complaints that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX XXXX contacted several of my neighbors and informed them of a debt I am working to repay.

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 2022-07-15
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Resurgent  repeatedly sends us collections notice for an account that was never in collections and paid in full. We had an account with XXXX back in 2018. The last bill be were invoiced and paid in full is dated XX/XX/2018 in the amount of {$190.00}. We paid this bill via direct ACH payment as we always had and received a paid receipt from XXXX via email. Out of the blue, Resurgent started sending collections notices last year where we repeatedly provided evidence the invoice had been paid- we provided a paid receipt from XXXX XXXX a copy of the invoice, and a copy of our bank statement showing this amount was paid in full. Resurgent continues to ignore the evidence provided and harasses us daily- calling, mail, and threatening to destroy our EXCELLENT credit. We would like them to be contacted and investigated for fraudulently trying to get us to pay money that is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have an auto loan with PNC Bank Pennsylvania ( headquarters ). My car note is due every XXXX of the month and I've never missed a payment nor been late. PNC has double standards of accepting payments. I've only personally made one in person checking account payment. The rest were paid by debit card. On XX/XX/2018. I initiated contact thinking this Saturday was in fact the XX/XX/2018 and found out that I was a day late. I have explained to PNC my confusion dilemma in getting the dates mixed up and attempted to make a payment as usual by debit/credit card. PNC declined. I'm making payment from a different card than what's on file and couldn't provide the account and routing # s while on the road and PNC declined to take my card payment as I attempted to make my card payment as I've always done since XX/XX/2018 when I traded in a XXXX  for the XXXX. I filed a complaint, was promised a call back from managers who never returned my calls, went through to escalation managers and they refused to take my card payment. I've made numerous card payments over the phone as I mentioned earlier since I acquired the loan in XX/XX/2018. In fact the only major form of payment I make is by card and somehow they refused to take my card payments while it dwindled on for the next couple of days while I work out my card payment solution. I want to get out of PNC but the loan they gave me according to other banking institutions were bogus and are refusing to buy me out PNC. I have called 8 times to PNC this XX/XX/2018 at XXXX, XXXX, XXXX,, XXXX, XXXX, XXXXand XXXX respectively and XXXX to make a card payment of $ XXXX.++ ; yet no manager called me back and was transferred from department to department in the attempt to resolve my card payment dilemma yet by the end of the day, my payment was not received because PNC refused to take my card payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My account number XXXX with Affirm was part of a bankruptcy and they keep trying to collect on it, I started my bankruptcy in XXXX and Affirm was added to it at the beginning of XXXX my bankruptcy was discharged and finalized in XXXX of XXXX, I paid the one Affirm account that was not part of bankruptcy for XXXX, but the account for XXXX was part of bankruptcy and i keep getting the run around from this company. most of their calls go overseas and the reps answering the calls don't even know what a bankruptcy is so they give me a hard time, Can you please resolve this for me and have them please delete this error off of all 3 credit bureaus. I would greatly appreciate any help you can give me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There is no way to confirm amount and date of future payment as the online website does not show them. I called and was told by supervisor that she could not even see the payment I did for the minimum amount due of {$240.00} on XX/XX/2023. She insisted that I did not make XXXX when I am sure I did. Either they deleted it and is hoping that I do not make another so that they can charge me a fee for a missed payment or it will post. People who do not want duplicate payments to hit are at risk of charges if they don't remember if they made the payment and have no way of confirming date and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: DC
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 items 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 items 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. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: MS
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, these listed accounts have violated my rights : XXXX XXXX XXXX XXXXV Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXX 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 an account without my written instructions.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: OK
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Cedars Business Services, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Cedar Financial has been contacting me during my work hours ( lady by the name of XXXX XXXX ), harassing me that I owe the XXXX money for a driving ticket for driving through a restricted access area in the city of XXXX, some time during XX/XX/XXXX. They stated they mailed the documentation to me to XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, but I have not lived there since the end of XX/XX/XXXX. I will provide documentation that I purchased and moved to a new home in XX/XX/XXXX. I have moved XXXX times since that address in XXXX, to XXXX different states in the USA. Per the XXXX, since they were not able to contact me within 1 year of the violation, this violation should be deemed invalid, and I owe no debt. Now, Cedar Financial, is asking me to pay XXXX the fines that were supposedly incurred in XXXX. Although I did travel to XXXX, I do not believe that I was in violation of any traffic law, nor was it indicated to me by the rental car company that driving to the hotel would be in violation of a traffic law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-03-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
American Express National Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. On XX/XX/XXXX opened an XXXX XXXX XXXX XXXX account, product name XXXX XXXX XXXX XXXX  with {$20000.00}. On XXXX my account balance was {$20000.00}, and on XXXX my account was hacked and someone by name XXXX XXXX created a new account and transferred {$20000.00} to her account. 
The Bank never notified me of suspicious activity and it was not until XXXX that I checked my Savings account to realize a balance of {$250.00} in my account and {$200.00} in a fraudalent account that has been closed after I made my initial call on the same day. 
I have called the Customer Care at American Express National Bank at XXXX on XX/XX/XXXX spoke with XXXX XXXX XXXX last name not allowed ), XX/XX/XXXX spoke with XXXX, XX/XX/XXXX with XXXX, XX/XX/XXXX spoke with XXXX, lastly today called & spoke with rep XXXX. On XX/XX/XXXX & all later calls I was told the investigation had started & three letters have been sent to the Bank where the transfer of my funds were sent to, I was told today the name XXXX XXXX  XXXX XXXX... XXXXno info other than to visit their website to complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX 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 an account without my written instructions.

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 an account without my written instructions.

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 2023-11-07
Company: OneMain Finance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a car loan with another company for my XXXX XXXX that I bought in XXXX. I only owed in XXXX {$11000.00}. I was told by One Main Financial that if I went to them my payments would be smaller and I would pay it off faster. I was told the amount owed was {$12000.00}, because they gave me {$1200.00} as a personal loan for. When I was reviewing the contract I noticed that the full amount was {$21000.00} for the loan and was told by the manager that was not a true number and to ignore it, that I would actually owe less on my car than the {$11000.00} to pay it off. I was also told in order to get this deal, I would have to sign that day and that I would not be eligible the next day. She told me that she had to go pick up her kids from daycare and that I had to sign the documents now or they could not offer this great deal to me again Over time, I would mention that the account online said it was still {$21000.00} owed and again was told that wasn't a true number and to ignore it. After making payments for three years, I called for the true payout amount and was told it {$15000.00}. That is more than I owed before I got this loan with OneMain. I filed a complaint and then was told again that the {$15000.00} was not the true amount if I paid extra every month. The math does not add up. So I have literally paid for my car twice. This is fraud and I was misled on several occasions about the payout amount. I am stuck in this loan. People should know about this fraudulent activity from this company. Furthermore, I have requested on numerous occasions to not call me during work hours and they continued to do so. They lied about the amount owed and continued to lie about it. This is fraud and they are having people sign for loans and giving them fraudulent information about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have been trying to get Equifax to fix this issue for months. They have a XXXX XXXX bankruptcy on my credit report stating that I filed on XX/XX/XXXX. This is incorrect. I did not file on XX/XX/XXXX. I filed bankruptcy XXXX XXXX XX/XX/XXXX. I moved to Florida XX/XX/XXXX. So how could I file for bankruptcy in Michigan XX/XX/XXXX?. Im getting very frustrated  that this issue hasnt been fixed yet. I am claiming the bankruptcy is mine. But the dates are wrong. I want this removed off my credit report immediately because they are failing to do a proper investigation to collect the right information. Because they are failing to fix the issue, it is effecting a lot of things I am trying to accomplish, such as renting an apartment. Because they see date filed XXXX XXXX on my credit report. When it isnt true. I do not know whats the problem with Equifax. But it seems to me that they are purposely keeping this incorrect information on my credit report to defame my name, and keep collecting money off of it. At this point, if this false information isnt removed off my credit report I will get a lawyer and take legal actions. Because all I asked for is to have the date fixed. Which Equifax has failed to do. Now I want it removed completely. Ive attached a lease contract with the state and address I lived at. And it also shows the date I moved in. This shows you proof that I was not living in Michigan XXXX. So its no way I couldve filed for bankruptcy in Michigan on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Chime Financial Inc
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Someone stole my credit card They spent money and I canceled my credit card Suddenly I see charges on my account from my debit card. My debit card was not stolen. 
I had to cancel both my debit and credit card as soon as I saw the charges on my account. 
Chime said that they would help me. I see that they said that this matched my spending velocity. 
I told them I have never purchased anything from any of the merchants. I sent them the police report. I keep getting messages that the investigation is closed only hours after I opened the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.

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