BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I was XXXX on XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX  got hold of my credit and debit cards while I was in XXXX XXXX and illegally used them. I found out ID Theft was done to me when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was called by debt collectors of my credit card accounts that had been used when in prison and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and XXXX cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX  making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: DISCOVER BANK
State: IL
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:
In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and due the claim is over {$10000.00}, I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Ignite Revenue, 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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Untimely response
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a bank account back in XXXX time frame and I opened that account in New York where I am from. I left to go to school in XXXX and I stopped using the account because I created a XXXX XXXX  account before leaving and I used that card and I was informed that there were several checks on my account that came back unpaid that I didnt do which is clearly fraud something Wells Fargo is known for Ofcourse. My account was later closed and I tried to reopen the account and the teller at the bank said theres nothing they can do so I just left it alone because they did return my money to me so I had no problem. I was also informed that I would need to pay any remaining balance on the account and if there were anything owed I paid it its been awhile so Im not sure if I had to or not. I recently walked into a branch in XXXX, AZ to open a new account and I got denied for the regular checking so I went ahead with the opportunity checking and everything was fine I deposited my money and changed my direct deposit to this new account and I made sure before going through with it I asked if Im in good standing with the bank and I was told I am fine. Well, I got a call this morning saying due to misuse of my old account my new account will be closed in 10 business days and I want answers because to begin with this was fraud but I didnt lose any of my own money plus the account was closed so I had nothing to worry about but now Im being penalized for this bad security measures by Wells Fargo. I need my account to stay active because I neee a new account this problem that happened isnt my fault and I will make sure Im heard if I dont get a fair look on this because Ive just been brushed over like I dont matter. This is just ridiculous Wells Fargo is a true shame to the banking industry how do you conduct business this way and think consumers would call this a good bank. I just need an account and I would like to bank with Wells Fargo out of my liking because the other banks I dont like that much but Wells Fargo is soon enough joint that list. I just want my matter to be solved ASAP! My account is closing in 10 business days and I need that stopped. 

Best regards, 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 2018-09-27
Company: EQUIFAX, 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:
I believe that I am a victim of Identity theft. I have contacted the three credit bureaus ; and tried to dispute the unauthorized inquires. All I have been told by Equidfax is that " the inquires were factual information '' ; that I would need to contact the companies to have them send a letter to Equifax and advise the to delete them. I contacted all of the companies ; most states that " you don't have any accounts, and they could not delete the inquires ''. Even though I advised them that my identity was stole. I was able to get letters from " XXXX XXXX XXXX, and XXXX ''. They stated that they found no accounts for me ; and that they would send correspondence to Equifax to have the inquires removed. i also contacted Equifax ; and was advised that they will not delete the inquiry ; and I have to wait until it fails off ; although I faxed over the letters that the company sent me ; stating that the inquires were indeed fraud and unauthorized. May you please help me in having these fraudulent inquires deleted? I placed a fraud alert on my credit report ; and am trying to rebuild after this. XXXX, is listed FIVE different times on my report. I don't have an account with them ; nor have I personally applied for anything with them. XXXX XXXX, XXXX XXXX, are also not authorized ; I contacted XXXX, and they also stated that I have no account with them ; and that they did not see an inquiry ; but I explained that it's on my credit report. I was a victim of FRAUD. Someone stole my info ; as you see I have no accounts with any of those companies. Please help me in deleting these unauthorized fraudulent inquires from my report. I contacted XXXX   and Equifax ; and they helped me with out a problem. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. 
L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT 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 2020-07-16
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my PNC bank checking account to my broker account in the XXXX app for stock trading. I get an error that says pnc has made changes that make it not possible to link my accounts together through their easy linking partner called " plaid ''. There is no other way for me to link my account through XXXX and pnc needs to allow me to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I am trying to get a mortgage loan but on the merged credit report, it is not getting the correct information for Equifax. XXXX and XXXX both have my SSN and correct information, but Equifax has my brother 's information in the report. I have tried to file a dispute through Equifax ( XXXX ) but my MyEquifax account is not able to be accessed and I have not been able to get Equifax support 's help with it completely. When I try to verify my information with Equifax 's automated system, it asks questions about credit that is not relevant to me. When I try to get another merged credit report with XXXX, it won't allow me to set up the XXXX account either because it asks security questions that belong to my brother 's credit. I believe there is some kind of mix up deep in my Equifax file because I am having various issues relating to their information and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX at XXXX This incident has been ongoing since at least XXXX. 
Previously, I had an oxygen concentrator, which was returned to XXXX at XXXX on XXXX, because my doctor tested my overnight oxygen levels and found that I no longer needed the supplemental oxygen. 
On XXXX, I received a statement from XXXX at XXXX for charges for the oxygen concentrator for the months of XXXX, XXXX, and XX/XX/2022. At that time, I spoke with XXXX from XXXX at XXXX, who indicated that an annual approval from my insurance company, XXXX, was required for use of the oxygen concentrator. She stated that she would check with XXXX to obtain the necessary approval. She also stated that, if the authorization was not received, these charges would be written off. 
My next statement, dated XXXX, indicated that these charges were still outstanding. In addition, there was a charge for {$60.00} for new XXXX supplies. I paid the {$60.00} online on XXXX and received a receipt via email. 
I received my next statement, dated XXXX, which indicated that nothing had been paid as of this date. I spoke with XXXX from XXXX at XXXX ( XXXX ), who said that I should ignore this statement, because the pre-authorization had gone through. 
My next 2 statements still indicated no payment had been made. I called XXXX again, and again, she said to ignore the statement charges. She said she was going to contact customer service and that this bill was supposed to have been escalated for payment on XXXX but, instead, it was sent to collections. 
I spoke with XXXX again on XXXX, because my XXXX statement still indicated no payment AND I received notification from XXXX XXXX XXXX XXXX XXXX that {$60.00} had been sent through to collections. She stated that the {$60.00} was applied incorrectly to the XXXX oxygen concentrator charge and that it was re-applied correctly in XXXX. She further stated that she would check with XXXX re : payment. 
I have now received a new statement dated XXXX, and the charges for the oxygen concentrator for XXXX, XXXX, and XX/XX/2022 are still showing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
transunion is not allowing me to access my credit report or submit disputes on line.

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: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Response to your XXXX Party Letter of Treat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX PO XXXX. 
XX/XX/XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX To : LVNV Funding, LLC c/o Resurgent Capital Services, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Dear 3rd Party Collector, As I have NO Contract with you, SIGNED CONTRACT CONSISTS OF TWO PARTIES, SAID OWNER OF XXXX  XXXX & myself, please produce, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of today I have presented a Credit Set-Off Settlement to the " XXXX  XXXX Bank account ending in 2296 for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and all workers to credit bureaus and sue for damages with a lien. 
Thank you for your time and have a nice day. 
Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt in question being sought after by XXXX was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my lab work that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 12 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 11 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 6 hard inquiries Not Disputable Online. Details

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 2023-01-26
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXXXX 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I reserved a cargo van from XXXX to move from XXXX California to the XXXX area. Originally I made the reservation for one week not knowing how long it would be needed. After the first week expired I called their hotline to let them know I would need it a bit longer, they said no big deal. Thinking everything was fine an dandy I kept the vehicle for another week ( apparently I was wrong ). I received threatening phone calls after the next week stating " the vehicle must be returned immediately or we will notify police and have you arrested ''. Mind you I was still in the XXXX XXXX with limited cell reception. I rushed my way back to the nearest airport in CA. I returned the vehicle as soon as possible. A few weeks later I received an outrageous charge of nearly {$4000.00} for a rental that should have cost {$500.00}. XXXX has been known to commit this type of fraud in the past, previously they've had to pay millions of dollars in settlements for these sorts of crime. It is very disheartening to see that these types of things are still happening till this day.

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 2023-02-07
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:
I have disputed this information to have it corrected and am getting no where. This information needs to be correct or deleted. Conflicting info across the board.

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus are reporting XXXX in Collections with a balance of 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