BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

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 2017-10-04
Company: Auto Trakk, LLC
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: Account information incorrect

Complaint:
I have sent auto trak several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
Auto trak states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX XXXX first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
Auto trak is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX XXXX SS # XXXX. 

Please see the attached CFPB complaint # XXXX where LVNV responded on XX/XX/21 That they got with the original creditor who confirmed there was fraud on the account! They agreed there was fraud and ceased ALL Collection activity!! I have received NO correspondence nor=thig regarding this account at all in XXXX years!!! LVNV agreed to get rid of the account!!! Who do you think you are sending me this?! My husband passed from XXXX, then my XXXX daughter passed for XXXX, I got XXXX  and was on the vent for a long time, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent a long time in recovery. I mentally can not handle this! 

I get a letter in the mail from Resurgent Capital Services stating they are collection {$2200.00} for LVNV!!! Is is a true violation of FDPA, FCRA and I am sure UDAAP will fall in scope! This tradeline was removed from all bureaus but XXXX!! 

I would love to know why in the world I received a letter now over three years later asking for me to submit proof of a police report!! Are you out of your mind?! I disputed these charges right away with XXXX XXXX!! Monthly I disputed these here are the CFPB complaints for reference! They did NOTHING! Then sold my account to a collection agency who did NOTHING until I filed a CFPB complaint! Youre way too late to ask for any of this!! I am not going back 3 years and digging up proof. XXXX XXXX failed to review the fraud claim and my FCRA dispute which are violations of law!! Not only are they in violation of FCRA, but also the Reg Z billing dispute Process. I disputed these charged within 60 days of being billed for them with XXXX XXXX!! They did NOTHING!!! I kept disputing until they sold my account to collections. 

I am in a wheel chair with no legs it is kind of hard for me to get around. If XXXX XXXX had done their job correctly!! 

I have disputed this with XXXX over ten times in the past three years!!! No one is doing a proper valaidation of my fraud claim!! If they did, they would review the response from LVNV and remove the collection account from my report!! This is a true velation of FCRA and all Identity Theft Red Flag processes that are in place! 

Again read the attached response where they acknowledge fraud and remove this collection account from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC still fails to resolve and release funds among other practices. See prior case CFPB XXXX that was closed, but it is not resolving any concern as PNC knows and understands that both executors are not able to sign the document together. So, we have requested the same document sent to each of us with a signature line and notary for each executor. I have asked XXXX XXXX numerous times in the month of XXXX 2017 to send one to XXXX XXXX the co-executor with only her signature & notary requirement, and I requested one for myself with only my signature line/notary. I have explained this problematic situation with the document to XXXX XXXX on multiple phone conversations and at least one email correspondence. XXXX XXXX understands that the authorization and indemnification document they are providing and requiring as written is impossible to have completed. XXXX ( co-executor ) has taken the document to several institutions multiple times, and no one will notarize the document for her with both names and notary requirements on the document. PNC should have consumers all over the country in this situation that can not both be present to sign documents, and PNC should be more than familiar with situations such as these. PNC should be able to comply with our need for individual forms. XXXX XXXX advised that she understands what we need, why we have requested individual forms, and she states that PNC 's position is that they will only provide us with the document as it is. She states PNC is not willing to send two documents ( one for each individual to sign and notarize ) even after several explanations. PNC understands we need separate forms, and they are refusing to comply and release the funds as requested. Plus, PNC has been provided the authorization forms that our estate attorney had prepared and have been executed for each of us in addition to official court documentation. PNC is intentionally giving us a hard time releasing funds due to their non compliance, numerous employee errors/ mistakes that were made. 
I encourage any current or potential PNC customer to be aware of bad practices and lack of financial protection to their elderly consumers. 
PNC allowed a removal of payable on XXXX beneficiary in an account conversion to a guardianship account when a new account should have been required. Also, the person making changes was only allowed temporary guardianship. They allowed all these changes to be made when grandma provided the bank with advance warning and had the account frozen as it was clearly not the account utilized for household expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Grain Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed this past XXXX of 2022 that I had a collection from this company however I did not open this account or have any knowledge of it. I contacted grain customer service support and the representative told me it was marked for deletion from the credit bureaus. However it still appeared on my credit report and I filed a dispute through XXXX and they said the information was accurate although this customer support representative told me it would not be on my credit report. I dont even know the login into this account or what information is uploaded to it. I have no received any kinds of letters in the mail with any information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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:
My account currently shows I was in a Collection/Negative status for the months of XXXX and XXXX of XXXX. My account has been refinanced and paid/closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions 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:
My account currently shows I was in a Collection/Negative status for the months of XXXX and XXXX of XXXX. My account has been refinanced and paid/closed since 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 2022-04-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
For over 12 years now, I have summited identity theft on my credit reports, I haven't received any info. On how to solve the issues, but I am certain I know who is using my name, her name is XXXX XXXX, her maiden name is XXXX XXXX, she always was married under the name XXXX, then XXXX XXXX XXXXXXXX, I am certain this person is still continually using my identity please help me cease this person 's actions regarding my name

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 2021-06-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS OPENED FRAUDULENTLY IN MY NAME : XXXX XXXX  OPENED : XX/XX/2017 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Several years ago I had all 3 CRAs add a an extended fraud alert onto my credit file. At that time, I had both cell number and resident landline. Approximately over 3 years ago, I cancelled my landline and requested the 3 CRAs to correct the phone number listed on my fraud alert to only reflect my cell number. Equifax only accepts changes to the fraud alert in writing so I had to write to them to get it corrected both times. I believe I requested this change in XX/XX/XXXX and again in XX/XX/XXXX but whenever I check my credit report with them, I would see a second number showing on my fraud alert. When I recently signed up for the product they are offering due to the recent breach into their database through XXXX, I also checked my credit report and found a second phone number again showing on my fraud alert. I have been trying to call Equifax since approximately XX/XX/XXXX but I have been unable to get through their line. I only have time during my lunch break to call them and their hold time is more than 15 minutes ( that is if the line is not busy ). When I tried calling them after I get off work, their office is already closed. I tried calling several times a day but I have been unable to talk to anyone. The 2nd number that is showing on my fraud alert is XXXX. I want to know how a second number got added to my fraud alert since I have requested twice already to only have my cell number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been trying to get my accurate credit score and report for several weeks. I have spoken to at least 4 different representatives who each time allege that they will be solving the problem however the problem still exists. I have no idea what my accurate credit score is because they can not refresh my credit report. This has interrupted several financial transactions i am trying to complete. Please help me with this issue.

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 2021-06-11
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/2021 someone opened an account under my name which I did not authorized I have been a victim of identity theft approx 1500 was the total loan amounts for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Maximus Education, LLC dba Aidvantage
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:
Late Payments Were Put Onto My Account whenever I Was Enrolled In School. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From Several Years Ago Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is an account with capital one appearing on my credit report, This is a surprise because i have not ever applied for a credit card with them. they show a balance of {$820.00} and theres no way i am paying someone elses balance. i have sent in many paperwork with the bureaus providing signatures and personal information with no luck. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX). 

Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened. 

Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department. 
They also claim to be unable to send the request via their online banking secure messaging. 

I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I have taken the necessary step to dispute the information with the credit bureau. I'm very confused on how they verified these accounts. They are not following the rules and I'd like these 4 fraudulent accounts removed immediately. I've included the ID theft report to validate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello! So Ive been using PayPal for my business to over 6 months now, verified my identity on my account and havent had a single complaint from my customers. I recently XXXX an email from PayPal stating that I violated their terms of service and that my account is being terminated, and I cant withdraw my funds for 6 months. When contacting them, they dont tell me what term I violated, and they just tell me to wait and see what happens. This is not okay!!!!! I have never violated any rule and Ive never received any email or message from PayPal notifying me about anything wrong with my account! They just decided to lock my account for nothing! Im quite sure a mistake has happened here but they are not willing to listen to me. I have over {XXXX} in my account and I thought that PayPal was safe thats why I was saving my money there ... I need my money in about 1 month because I have a XXXX operation scheduled. I really hope you guys can help me, youre my last hope. My PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXXthe card was used to pay an air ambulance fee ( {$18000.00} ) for a friend who had a XXXX XXXX on a cruise ship. This friend is a retired XXXX Veteran. As one can imagine this medical emergency resulted in significant fees for the family. Once my friend was stable and the family could begin making payments on their outstanding debts they worked hard to pay this one off first. The balance was paid off from XX/XX/XXXX to XX/XX/XXXX. The final payment was made on XX/XX/XXXX including {$130.00} interest. 
In XX/XX/XXXX the insurance company reimbursed the air ambulance company which reimbursed the Citi card. I contacted Citi on two occasions to let them know the credit was on its way and that I wanted it directly transferred to my checking account. I informed them this was funds that did not rightfully belong to me and needed i needed to refund. On XX/XX/XXXX the credit was applied to my account. On XX/XX/XXXX I called to make sure the refund was being processed. I was informed that they would begin the process ( it had not started despite my previous direction ) and I should have the money no later than XX/XX/XXXX. As of today XX/XX/XXXX the credit is still on my account waiting a second manager " approval ''. This is unacceptable I need the money and have informed them of this every day since Saturday, XX/XX/XXXX. They have told me " they '', or a " manager '' would call me back but no one has. If anyone treated them with such disregard they would face penalties and interest of significant amounts. This is an easy transaction to follow, the approval should not be time consuming except for the fact Citi wishes to use this money for their own benefit. I think that is wrong!

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 2022-04-06
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep texting me without my permission. 

XXXX XXXX needs to pay me for the cost of the texts and my time otherwise I'll be filing a complaint at XXXX Professional Account Management LLC already stated in their written response of CFPB complaint XXXX that they did not have permission to text the cell phone number. They are not removing the automated texting of all their users.

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