BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been receiving rude and threatening call from National Credit system regarding a XXXX XXXX XXXX XXXX. I never signed certificate and no one at the apartment complex explained anything to when i signed me lease concerning a XXXX XXXX. XXXX XXXX XXXX has refused to dispute this charge with XXXX XXXX and per Fair Credit Act they have to dispute if one is not agreeing with the bill. XXXX from National Credit System has called me multiple times after I have asked her not to call me but send everything in the mail. She refused to honor my order and this is not right. She has violated my rights and I will be filing a sue with XXXX County Courts for harassment after I've asked her not to contact me via phone after the very first rude call. XXXX, National Credit System representative has yelled and was very rude and stating I do owe it. These people are monsters and very rude. I wish Consumer Financial Protection will investigate and shut these monsters down. Also, XXXX stated they would put this account on my credit file. This is rude and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
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 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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXXXXXX XXXX Account # XXXX, has Violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

( XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX  : Balance {$210.00} Date opened : XXXX XXXX Account numberXXXX Contact Info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX Phone number : ( 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 non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an alleged bankruptcy with Experian. They verified it several times, and mentioned they were provided this information by XXXX. I pulled by XXXX report to find there was NO BANKRUPTCY listed. I demanded that Experian delete the bankruptcy from my credit report, and they claimed AGAIN even with EVIDENCE FROM MY XXXX XXXX REPORT that they have no bankruptcy listed. 

If they're verifying information with XXXX, and XXXX doesn't show a bankruptcy then it needs to be deleted.

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 2023-02-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is reporting inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are inconsistent late payments reporting for XXXX, XXXX and XXXX of XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. There also different last active and payment dates reporting for this account between each bureau. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments be deleted from my reports now!

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 2022-09-10
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:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIZENS FINANCIAL GROUP, 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: Reporting company used your report improperly

Complaint:
i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CREDIT CONCEPTS, INC.
State: WA
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:
XX/XX/2016 Dispute 1 : slammed with GAP insurance. No signed agreement. Refuse to recalculate loan with GAP insurance removed and not disbursed over 36 payments. 

Dispute 2 : Charged 29.95 % on sales tax, and disbursed over 36 months.

Dispute 3 : XX/XX/2016 paid receipt not applied to account. ( See receipt and account print out. ) Dispute 4 : Fee simple loan they are allocating over payments to their interest. See print out, Interest.Recast # nn nn is future interest payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-04-12
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: Personal information incorrect

Complaint:
On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a homowner and owe XXXX  dues which are now in collection. XXXX  has prevented me from accessing my payment ledger on the XXXX  website, referring me to the debt collection company. The debt collection company says this constitutes " debt verification '' and they want me to pay {$100.00} for the payment ledger. I need this ledger to do my taxes. What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ally Fraud contacted me XX/XX/XXXX saying suspicious charges. I logged in and noticed someone had attacked my bank account for XXXX XXXX I immediately called Ally fraud said those are fraud I did not authorize the charges. Now 3 months later Ally has taken the money back saying the merchant said I used them for which I never have, dont even know who it is. I looked at the company online and they are known scammers and money laundering. They allow stolen money to be turned into XXXX. I provided proof to Ally I have not nor would ever use this fraud company, I did not authorize any charges, I can prove I was at home and not in Florida and I can prove my IP address was not used. For which of any transaction with that scam company were to happen they would have to have my, and prove, it came from my IP address which they can not because I didnt use. Furthermore Allys own fraud department knew it was fraud as they alerted me and I said unauthorized And by Allys own security policy any customer who says a charge is fraud is not held liable and they sided with a known scam fraud company. I researched online and I am not the only one Ally has done this too there are thousands of Ally customers That have had this XXXX  company steal from that Ally has sized with and its clear Ally is in on the fraud with them

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 2019-03-28
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I received a letter from a collection agency : Harris & Harris LTD for a unusual amount of funds so on XX/XX/2018 I answered the letter with a request for validation for the debt making it very clear it was not a verification of the debt. 

Since this action I had taken I have not heard back from this company in regards to my request to explain the debt and other vital information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
On XX/XX/2023 I went to my bank to renew my certificate of deposit which matured on XX/XX/2023. I was given a seven day grace period for this activity. The bank gave me three options to choose one. The options were as follows : 1. Add funds to the account - higher balance may earn higher interest rates. 
2. Change the term - longer terms may earn higher interest rates.

3. Close the account.

I decided to change the term from three months to five months. However the bank staff decided to close the CD account and open another CD account without my consent. 
He gave me documents to sign without any explanation of what the documents were for. At no time did I discuss closing the CD account and opening another CD account which does not make sense unless the bank wants to deny me the interest accrued from XX/XX/2023 to XX/XX/2023.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: NV
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states A 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 explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I appilied for a loan, a credit report was provided to the creditor from Transunion they gave me a score of XXXX as a result of this low score I was denied credit. I asked for a copy of my report. I saw only one negative report that was a Bankruptcy discharged in XXXX, All my other account are in good standing All payed as agreed. I have not been treated fair by Trasunion. I asked one of my creditors for an increase one my Visa and it was approved I asked for my score it was XXXX from XXXX XXXX XXXX. Why the big differnce in the scores. The date were XX/XX/XXXX for trasunion.

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 2019-09-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/2019, I purchased two roundtrip flights on XXXX for my brother and his wife. The next morning on XX/XX/2019, my brother called me to see about cancelling the flight. Since it was within 24 hours, the Department of Transportation has a regulation that states flights may be cancelled in the first 24 hours if the flight is 7 days before departure. The flight was for XX/XX/2019 with a return on XX/XX/2019. I called XXXX to cancel the flight but the agent refused to do so. I also spoke with a supervisor who refused as well. Since they refused to comply with the doT regulation, I immediately called Chase Sapphire, my credit card to stop the payment ( still within the 24 hours, on XX/XX/2019 ). I explained the situation and the agent assured me that they could definitely help to dispute the transaction but she could not transfer me to the dispute center until the charge has posted. She was very enthusiastic and made me feel at ease that it would be resolved as soon as the charge posted. I, therefore, did not pursue any other alternative, relying on my credit card to help me. The charge was {$630.00}. I called on XXXX, XXXX, 2019, when the charge had posted to see about the dispute. The agent for Chase assured me again that it will be resolved and transferred me to the dispute center. The agent at the dispute center denied me my claim and stated they could not force the company to change their policy. I called again that same day to speak to another agent to understand why I was being denied a claim, the agent told me the dispute had been resolved and I asked to speak to a supervisor because I felt they did not resolve any dispute. They never contacted XXXX nor did anything on my behalf. They sent me an email today with statements that I do not agree with. The statements seem to imply as if they contacted XXXX when they did not. They never started any dispute despite my many attempts for them to do so. So how can they claim that the dispute is resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX and XXXX a wire for {$50000.00} each day was sent to PNC ( totaling {$100000.00} ) for XXXX XXXX were credited to a account not held by XXXX XXXX. This error was due to wire fruad and PNCdid not match up the name on the account as they are required to do for wires. 
The routing numberXXXX and funds were credited to XXXX not in the name of XXXX XXXX as instructed.PNC has not responded to any request for the return of my funds. 

PNC did deposit in the correct account for XXXX XXXX. The account name on the was clearly indicated to be for XXXX XXXX  - see attached wire transfer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX United States Futhermore - they failed to respond for ever 4 months to the Hold Harmless letter/request to return funds from THE XXXX XXXX  - XXXX XXXX XXXX below to verify - ** Please see attached email string XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : XXXX Mobile : XXXX This has been devisating to me and family and I greatly appreciate you attention to this matter. I had made a prior request, but the issue at hand was not addressed by PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
On XX/XX/, I've started a mortgage loan pre approval process with XXXX XXXX Senior Loan Originator Inside Sales NMLS XXXX from Cardinal Financial. He went over my credit and process to get the loan to the approval stages. I finally got all of the documents needed submitted to the portal and was given a closing date of XX/XX/XXXX. As of XX/XX/XXXX the rate was locked in for 6 % which I found odd as the rates were much higher. On several occasions I've asked about the company running my credit and he assured that it was 90 days and it would be ran again.After he told me that it was final approval a closing date was set to XX/XX/XXXX. XXXX days before the closing date no one at Cardinal would answer the phone to get the final approval disclosure to them. A few of the reps went missing for weeks! The day of XX/XX/XXXX Cardinal reran my credit and then wrote another loan term. This was a nightmare for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that is not owed by me and I would like this removed immediately from my credit file.

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 2023-10-04
Company: FlexShopper, Inc
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
This is information I received from the collection agency, Access XXXX XXXX : A checking account was opened under my name through XXXX XXXX Bank. An account was then opened through Flex Shopper LLC ( also known as XXXX XXXX XXXX ). Repairs were made to a vehicle with the Flex Shopper financing. Installment payments were never made. The company is collecting, on behalf of XXXX XXXX, {$3500.00}. The account was opened XX/XX/XXXX. 

This is information I received from XXXX : An account was opened XX/XX/XXXX ( presumably the date the collection began ). The first date of delinquency reported was XX/XX/XXXX. 

I have not opened either account. I have never received any correspondence from either company. This is fraud.

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