BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent {$300.00} through XXXX that the bank had an app for I thought it was safe it was fraudulent and the bank refused to refund my {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around the end of XX/XX/XXXX I contacted Acima credit. I explained to Acima that my identity was stolen and used to purchase furniture. A representative name XXXX advised me to obtain a police and email the police to Acima. Thursday XXXX XXXX I emailed two police reports. A minute later a representative name XXXX accused me of making payment arrangements back in XXXX. These are false allegations and Acima credit is protecting criminals. XX/XX/XXXX I emailed Acima asking for a copy of the application that was forged using my information. Acima refuses to provide me with the document. I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: WELLS FARGO & COMPANY
State: MD
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:
I recieved notification that the rewards feature of my card was being upgraded. This was presented as a feature change so I did nothing. Later I was notified that a new card was being sent to me. This made no sense to me as my current card was still good to 2023. 

My current card has been declared inactive by the rewards department and my contact information was changed to the rewards department XXXX number. This access to my account online management seems to border on hacking. 

I have spent hours trying to restore my account to its previous status and I have a complaint number but no action is being taken on my requests. Instead I am being told that a new card is on its way and my current card is cancelled. 

None of this is by my request and I do not understand why I am being attacked this way. Further I feel my data is not safe with this company but if I close this account they still have my data to do with as they please.

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 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
I am writing in reference to a Released Tax Lien that is reporting on my Transunion and XXXX  credit report as Serial No. # XXXX. The Lien has been released since XX/XX/XXXX. I  have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released Tax Lien was immediately removed by XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. Transunion or XXXX has not updated their information and PER the New Law the Released Tax Lien listed does not include all the required information and should be deleted from my credit reports.

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 2023-03-17
Company: ALLY FINANCIAL INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. 

XXXXXXXX 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 explanation
Consumer complaint received 2020-11-02
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:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Account status incorrect

Complaint:
Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XXXX XXXX, 2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Focus Holding Company
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:
I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. 
There is a {$410.00} charge I want removed and I want to be removed from their call list!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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:
I went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with Equifax. this issue needs to be resolved asap. checking my credit Report all data is not valid. this has been hindering my file for a while. please review an remove all data listed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE XXXX BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers 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 2018-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX 2.XXXX XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have sent {$360.00} to a PayPal user : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : United States Small Business Administration Federal Government, XX/XX/2020. The credit inquiry is fraudulent and unauthorized.

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 2021-01-22
Company: Avid Acceptance, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased a new Vehicle in XX/XX/XXXX and made our first Payment XX/XX/XXXX. We have a high interest rate so planned to pay extra to the principal as we could. The website for Avid acceptance states that to pay extra to the principal we just need to pay extra on the car payment and it will be applied to our principal balance. As the year has progressed I have kept track of my payments and the information posted on my statements. My base payment is {$320.00} monthly. XX/XX/XXXX I paid {$320.00} and from XXXX XXXX I paid {$350.00}, XXXX XXXX-XXXX XXXX  I paid {$400.00} each month. When I was reviewing my loan information in the hopes of refinancing for a lower interest rate my Principal balance did not seem to reflect any additional payments made. as I did the math to check if I was wrong, I found there is close to {$60.00} a month unaccounted for on any of my statements. 
When I called and spoke to a customer service representative at Avid Acceptance today he stated that my statement was generated on the XXXX or XXXX of the month and my payment was processed on the XXXX of the month, so, all those days between the statement and the payment I accrued interest which was taken out of the additional money I paid that was meant for principal. This money is not reflected anywhere on any of my statements and Directly opposes the policy listed on their website on how extra is to be paid to principal. When I asked why that 12-13 days of interest every month was not accounted for on my statements the customer service representative I spoke with only explained the same thing to me again. this cycle happened 4 times before I finally gave up trying to get a strait answer. 
Financially, I should be able to track every cent that I pay to this company with the statements they provide me, and It is clear that this is not occurring. Additionally, I have not had a statement generated in either XX/XX/XXXX or XX/XX/XXXX, according to the Customer Service representative that I spoke with this is because I am ahead of my payments?

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 2017-09-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX/XXXX/XXXX afternoon, my husband received a voicemail from Target Credit services verifying some information regarding an application of credit card using my name, social security number and license number. I called the Target Credit Services and informed them that it is not me who is applying for the credit card. I asked them if they apply it online or at the store. They told me that the application was filled out in person at Target located in XXXX, Florida. I called Target and spoke with security manager to ask if they can help me find the person who did it by looking on their video camera. They told me that they can do it but it will takes time and they will just call me when they saw it. 
The next day, I filed a report to XXXX police officer. 
My complaints is how can the Target employee accepted this application without a proof of identity. I still received the Target gift card this week which is telling me that it was approved even though it was cancelled already on XXXX/XXXX/XXXX after I spoke with Target Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX Date : XX/XX/2013 Amount : {$750.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solution is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1600.00}. I have not signed any contracts with Sequium Asset Solution. Nevertheless, Sequium Asset Solution should not be in receipt of my medical information. This is a violation of my XXXX rights & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation