BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
All transaction from XX/XX/XXXX to XX/XX/XXXX were unauthorized, except for a TELLER withdrawal, {$920.00} XX/XX/XXXX, a TELLER deposit, {$570.00} XX/XX/XXXX, a XXXX Payment, {$190.00} XX/XX/XXXX,  and a XXXX payment, {$30.00} XX/XX/XXXX. I have lost my wallet at either XXXX or XXXX. I`ve filed a dispute twice. The last time with a police report. There was a XXXX transfer that I was refunded for that caused my account to go into overdraft. PNC closed my account. I was told that my disputes were denied because they say that I gave my PIN number out. Why in the XXXX would I give someone my PIN number? I have taken days off of work to try to get this resolved. Over {$2000.00} in charges and nobody can help me. I was told that I would receive a call back by Monday and nothing. I have left multiple messages with the XXXX and I received no call back. Now since my account is closed I can't open a new dispute. This is XXXX! A customer service representative that actually tried to help me out of more then 20 people was going to resubmit the claim, but first wanted to find out what additional information that I could provide to get my claim approved and no one knows. After some research this is not a valid reason and I was told to contact a federal agency. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/XXXX XXXX XXXX XXXX XXXX charged my XXXXXXXX XXXX {$210.00}, then again XXXX Charged me {$210.00} on XX/XX/XXXX. I called Barclays and did a dispute immediately ( I got a case number, but I cant locate that information and Barclays never emails me anything to have as a record ). On XX/XX/XXXX I noticed XXXX XXXX XXXX XXXX processed a credit for the duplicate charge of {$210.00}. Now on XX/XX/XXXX I noticed early in the morning again the same charge totaling {$210.00}. I do not know what the heck is going on or who is doing this XXXX or the Bank. On XX/XX/XXXX at XXXX more or less I called Barclays XXXX Disputes department and spoke to XXXX XXXX XXXX told me the {$210.00} is a valid charge and that the merchant sent a bunch of documents to proof it is a valid charge. I told him if he did the math on my account for the times {$210.00} has posted and he continued to tell me the case is closed. I have tried many times to approach all my disputes accordingly and to the proper channel, however it is just impossible and a nightmare to get someone who understands and offers guidance finally a workable solution. I am very close to closing my account ( s ) with Barclays only because of this and the headaches caused because of lack of knowledge and practice by the people who work when calling customer service. I am very very disappointed and I need someone to help me change my mind with all of the issues and inconveniences I have encountered and to remain as a customer. I do not owe {$210.00}, I have already been charged for this and I paid 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: BB&T CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint about overdraft fees. I deposited a check from another account I have at another institution. BB & T said the computer had placed a twelve day hold on the check which was for {$700.00}. I informed the bank that was in violation of Federal Reserve rules. A manager said on Wednesday that they would check on Tuesday after the holiday weekend whether the check cleared. I checked my account at the other institution on Saturday and saw that the check cleared Friday and the funds were still on hold until XXXX  as of Tuesday morning ( today ). The reason my check was being held according to a teller was that I had overdraft fees. The fees were for PIN transactions and I am opted out of overdraft on PIN transactions. My check was held, in reality, because I filed a complaint about overdraft fees with CFPB previously. I want anyone reading this complaint to know that I was told by my relationship banker BB & T doesn't care if I close my account, and a teller got into an argument with me about the Federal Reserve regulations for holding deposits when I asked to leave a message for the relationship banker and hung up on me intentionally.

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 2021-11-15
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management purchased a debt from XXXX XXXX XXXX  and I had no involvement with the transaction. I have reached out to the multiple times via USPS, and have a certified mail number XXXX asking MCM for information that shows I in fact owe this alleged debt ... .they have not produced this. 

According to 15 USC 3002 I am the natural person which means my name in all caps is not me. My name is XXXX XXXX. 

In 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection Bureau, XXXX, XXXX and XXXX are assuming to be credit Bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. 

Also, on XX/XX/, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts.

This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Furthermore, I never agreed for my information to be shared with anyone at any time nor did I receive any disclosures and according to 15 USC 1681 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, my information was caught up in the XXXX breach. I have never done business with Jefferson Capital Systems. They have not responded to anything that I sent them in writing and this error or their end has damaged my credit which has effected my opportunity to get and apartment and advance in life. This was first reported on my account XX/XX/2019, it states that the account was opened in XX/XX/2019. I have not applied or opened anything with them. My Credit score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've tried to get this accounts removed from my credit report, I read up on consumer laws and it states according to the 15 u s.c. 1692 that's these shouldn't be on my report. Please Help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They have unlawfully added these accounts on my credit report. Thanks In Advance

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 2021-11-15
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY TRANSWORLD SYS INC/XXXX  PURCHASED A DEBT FROM SOME OTHER COMPANY AND I WAS UNINVOLVED IN THE ILLEGAL TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING I AM NOT MY ALL CAPS NAME. I NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH TRANSWORLD SYS INC/XXXX. XXXX, XXXX  & XXXX  ARE ASSUMED TO BE CREDIT BUREAUS BUT PURSUANT 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' means the bureau of Consumer Financial Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Account information incorrect

Complaint:
After pulling my credit report XX/XX/2023 Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX  XXXX XXXX has report incorrect information to each credit bureau to keep my report at a negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working for the same company since XXXX, which is considered a qualifying employer under PSLF. I was employed full time as a XXXX XXXX XXXX XXXX and was told that I should put the loans on forbearance during my residency, and I know now that that was bad advice. I started paying my student loans after I got my first full time job out of residency in XX/XX/XXXX, the first payment was in XXXX. I made 17 payments total towards the PSLF program before getting another full time job in XX/XX/XXXX. When I got this new position ( the program I currently work for ), I filed employment verification and was told my payments do not count. The position was for 32 hour/week with full time benefits. I was told that because the company does not consider me " full time '', I can not count my payments. The company gives all employees working more than 30 hours/week full time benefits, and the PSLF " full time '' definition is more than 30 hours/week. I still work for the same program now, and have changed positions recently but still work 32 hours/week. My original loan amount was roughly {$90000.00} and the most recent loan information states I have paid over {$150000.00} in loans and interest. It is not fair that I continue to suffer with these payments. I have started a family and have continued to serve the vulnerable population through my work and get penalized for this technicality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I 've send XXXX EUR to Coinbase through SEPA transfer on XX/XX/XXXX and today ( XX/XX/XXXX ) I still do n't see money in their system and their account 's page is not working ( just showing blue header ). I 've send support request, but no response, even no auto reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
did not submit a properly the money transfer to a credit card. 
does not have the wire transfer amount ready. from the california lottery. 
XXXX union bank of california XXXX, calif. XXXX www.usa.gov

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 2018-02-08
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX, after signing a contract to purchase a XXXX XXXX XXXX for {$38000.00} at a XXXX dealership, I decided to cancel it, after which the dealership started shutting down before I could examine the vehicle. I only managed to contact my insurance company due to the fact I had to vacate the premises. 
Once I got home I only was able to contact the loaner 's ( General Motors Financial ) customer assistance line.They said I would have to call back to " reverse '' the loan on XXXX XXXX, XXXX. The GMF system was still down on XX/XX/XXXX and intermittently .Yesterday I first spoke with a team leader at General Motors . He ( XXXX ) said that the contract is binding because I signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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 status incorrect

Complaint:
Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, XXXX and TransUnion as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.

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 2023-01-04
Company: EQUIFAX, 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable by perjury under 18 U.S.C. 1621. These items in my credit report are not related to any transactions I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. If you feel I obtained goods or services please have a senior XXXX from your company certify under the penalty of perjury that i received goods or services. These companies are in violation for putting these unknown hard inquiries on my credit report. This has caused unwanted suffering and is defamation of my character. These hard inquiries are not mine and I did not authorize it. Please investigate and remove it from my credit report asap. 


XXXX. XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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:
This account doesn't belong to me

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 2017-10-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They have not removed false information from my report that XXXX removed already. They make it hard to dispute information plus my personal information was compromised because of their recent breach.

Company response to consumer: Closed with explanation