BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXXXXXX XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that 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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a promotional mileage credit card through Bank of America partnered with XXXX  XXXX in XXXX of 2019. I did not receive and activate my card until XX/XX/XXXX of 2019. However, they started the 90 day promotional period from the day I applied online. I have attempted to resolve this with Bank of America directly as well as with the XXXX, and although they admit the card was not activated until XXXX they are unwilling to take the responsibility for the misleading promotional period of 90 days.

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 2018-03-04
Company: LEXISNEXIS
State: OH
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:
I would like to request a security freeze be on my XXXX XXXX XXXXt. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX XXXX sent a past due balance ( which I was unaware of ) to the credit bureaus as a charge-off. I was told this account was paid off. XXXXXXXX XXXX XXXX XXXX ( whom I currently lease another car with ) was not calling the correct phone number to ask for this payment. I have tried changing this number several times and by their errors, was not changed. My credit score dropped over XXXX points on a balance I was not aware of. I spoke with several representatives and supervisors who refused to acknowledge their errors. As soon as I was told ( after sent as a charge-off ), I paid the balance. I asked for them to remove the charge-off and for their " no remove '' policy and report it accurately but they refused to. Very shady and unethical practices. They should be investigated as they have several similar complaints. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL 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 2018-03-04
Company: HYUNDAI CAPITAL AMERICA
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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask the Hyundai XXXX XXXX XXXXXXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with the Hyundai XXXX XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: CA
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:
On my Sears Credit Card account ending in XXXX, I was charged {$800.00} for a purchase at " XXXX XXXX  '' earlier this year. I do not recognize this purchase, nor do I recall it, so I believe this is a false and fraudulent transaction. I contacted Sears Mastercard online and notified them of the billing dispute. The account ending in XXXX was terminated and I received a new account ending in XXXX. I received correspondence from Sears Mastercard dated XX/XX/2020, stating that they were investigating the alleged charge. On XX/XX/XXXX, I received another letter stating that the investigation was completed and that that disputed charge ( and another one ) had been deducted from my account plus related fees and interest. The billing statement for XX/XX/2020, indicated a credit for {$800.00}. Then, the billing statement dated XX/XX/2020, contained a purchase for the same amount : {$800.00}. I contacted SearsMastercard by telephone and spoke to " XXXX '' and asked why the disputed charge and been added on to the new account ending in XXXX. She said SearsMastercard would look into it and contact my by mail with their result. I received a letter from them dated XX/XX/2020, stating that they had determined that I was responsible for the {$800.00} charge because I had not identify disputed transactions. The billing statement dated XX/XX/2020, indicates that the disputed {$800.00} has not been deducted from the new account. On XX/XX/XXXX, I wrote to Sears Security Operations ( who had written the XX/XX/XXXX letter to me ) stating that I had identified the disputed charge, that it was the {$800.00} arising from an alleged purchase at " XXXX XXXX. '' and that I continue to dispute any such charge and asking them to provide me with any contrary information and documents they might have. To date ( XX/XX/2020 ), I have received no response from Sears Security Operations or SearsMastercard. I continue to dispute the {$830.00} charge.

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 2020-11-21
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While I was checking my credit reports I found that the collection firm Caine and Weiner has a collection filed against me for a debt that is not mine. I've contacted the original debt holder XXXX and they confirmed that the debt was indeed inaccurate. XXXX informed me to contact Caine and Weiner since the account was transferred to them. 

I have contacted Caine and Weiner but they have refused to delete this inaccurate account from each credit bureau. Prior to me contacting Caine and Weiner, I never received any type of dunning letter or statement claiming that this debt was mine. I was never given a 30 days notice to contact the original account holder Caine and Weiner, nor have I received any phone calls. 

This account that was transferred to Caine and Weiner shows account history from XXXX XXXX, NV. I've never lived in XXXX XXXX, NV nor have I ever owned any of the vehicles that were listed on the account. 

Caine and Weiner has requested that I contact them directly but at this time I will not be providing Caine and Weiner any further information since they have mishandled someone else 's information that is similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Fraudulent account unknown person open account i was away on vacation on the time of purchase for this vehicle and two I can not drive because I am XXXX from the XXXX down so there is no way for me to drive any motor vehicle

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: 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:
I am wanting to remove these two collection accounts that do not belong to me. The collections are from " XXXX XXXX XXXX ''. The two amounts are {$4000.00} and {$3400.00}. I have no knowledge of these collection accounts because they were not opened by me. I would like them removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After opening my trading account with Coinbase , Inc online inXX/XX/XXXX, I wired {$15000.00} onXX/XX/XXXX to Coinbase, Inc account at XXXX XXXX XXXX  for my digital currency investment. On Coinbase website coinbase.com, this company never tells any investors that there will be a problem with their wire deposit before anyone initiate a wire transfer. However, after over 80 days, I have never received the $ XXXX wired money to my account with Coinbase. I called almost every week to Coinbase to speak to their customer supports. But Coinbase has never done anything to resolve my problem. I went through the Coinbase XXXX of no support, no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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 a victim of identity theft

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 2020-01-21
Company: Experian Information Solutions Inc.
State: UT
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 XXXX # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX  and this is not my account. I need this removed off 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 non-monetary relief
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check from XXXX, # XXXX, for {$13000.00} was deposited into our Wells Fargo checking account on XXXX. On XXXX, Wells Fargo informed us that the check was returned unpaid and that the money had been deducted from the account. We notified XXXX. It said the check was not returned and that their records show it was paid. I filed a complaint with Wells Fargo explaining that XXXX said it didnt return the check and asked Wells Fargo to investigate. I received a letter from a Wells Fargo Escalated Complaints Specialist regarding our case XXXX, which basically just apologized that the deposit wasnt completed. I dont believe he bothered to research the problem at all. Nobody is claiming to have the money, but it has to be somewhere. We really need someone to find 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 monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting charge off accounts with past due balances on my consumer report a violation of the FCRA with maintaining an accurate report. The IRS considers it income and you can not collect an alleged debt and income at the same time. It is damaging to the consumer and inaccurate information that must be deleted 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 non-monetary relief
Consumer complaint received 2020-09-04
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am writing to complain PNC 's poor check deposit and fraud defense system! 

I am an international student. In XX/XX/2020, I, unfortunately, ran into a scam based on an employment opportunity at the XXXX XXXX University XXXX XXXX XXXX posted on XXXX. 

The fraud mailed me a check ( {$7800.00} ) to deposit for purchasing equipment for the " remote job ''. I deposited in the local PNC branch, and I told the fraud that I need to wait until the pending ends, which means the check is approved by PNC and posted on my bank account. 

However, PNC just used 1 day to approve the fake check and posted the money ( {$7800.00} ) to my bank account. I trusted PNC and sent money to the fraud. I was thinking I was using the money in the check only! Then, after 1 day, I realized the " employer '' was a fraud. So, I called XXXX immediately, and I also called PNC and PA Attorney General to report this scam. Right after 2-3 hours, in the afternoon, PNC told me the check was returned unpaid! And they wanted to blame on me for sending money to the fraud! I highly doubt PNC 's security system on checks. It was even me who told them there was a problem! As a XXXX XXXX, I have no ability to tell whether the check is true or fake. And I even don't know that when money is posted on your account, it can still be bounced back. To me, PNC failed me by posting the fake check in 1 day. There was no single alert for fraud or scam at all! It's a scam supported by the bank! 

If PNC, in the end, refuses to take their responsibility for this case and wants to blame everything ( {$7800.00} ) on me, I can't even afford to pay all the lost money which is more than I have! 

I am a hardworking person who has a XXXX of XXXX XXXX from the XXXX XXXX University. I pay taxes and try so hard to be a valuable element for this society. Please help me by standing against this bank system full of flaws!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.

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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
So I was receiving emails from the credits check website and I seen that an account at Capitol one was open in my name and whoever opened the account has a credit card in my name. I've never had a bank account or a credit card or debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I have 2 Capital One Credit Cards. One of them is reporting to the 3 credit bureaus and the second one doesn't report. I called in several times and They always mailed me a letter stating that they verified that it is reporting, ALTHOUGH IT IS NOT. 
I WILL ATTACH SEVERAL LETTER FROM THE PAST YEAR SHOWING THAT CAPITAL ONE DENIES THE FACT THAT IT'S NOT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : Account Name : Account # : 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 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.

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 2019-03-05
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My history with Honda shows I have only one late payment that was paid within 30 days. 

This was a loan for my first car ( new ). Purchased in XXXX. Paid off in XXXX. 
The single late payment was in XX/XX/XXXX. 
Payments were {$310.00} minimum and I would add more to pay down principal. 
The account is closed as the loan was paid off in full. 

I believe throughout the duration of this loan we set up auto-pay so it would always pay on time. Never late. 

This single late payment is negatively impacting my credit score and lenders always mention it to me.

Company response to consumer: Closed with explanation