BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: PA
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 asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX  XXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX  XXXX Cancel contact. Please provide the original contract or delete. 

XXXX XXXX XXXX. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a money transfer for {$1000.00} through Western Union to an XXXX XXXX on XX/XX/XXXX. He got the money, then never sent the puppy I had purchased. He left it with XXXX on XX/XX/XXXX. I then found out I had to pay {$1400.00} for insurance and when I entered the amount they said they could n't process it and I needed to send another Western Union Money transfer. I then started having fraudulent charges appear on my cc. I have emailed and phoned the XXXX XXXX XXXX people and they do not reply. The puppy owner would not respond to calls or emails the entire day the puppy was supposed to fly out. They also never informed me they were using this service or the additional fees this service required as on their website www.riversidenewfies.com they state they take care of shipping. After much digging I found out on XX/XX/XXXX that XXXX XXXX is not the persons full name. It is XXXX XXXX XXXX. However Western Union knowingly let this person receive funds. I have contaced XXXX XXXX to file a report on XX/XX/XXXX. The transaction number for sending the money to Western Union is XXXX however they have the date of the order as XX/XX/XXXX with no actual end number for the year and obviously two months out. So technically this order has n't happened I guess. The report number of the report I filed with Western Union is XXXX. However they do n't have the full name of the person they allowed to collect the money, so they should n't have released the money at all. I used my credit card to make the money transfer and within one day I have had 5 fraudulent charges on my credit card that I am trying to resolve. As of now neither the puppy owner nor the airline company will return any phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 monitor my credit via XXXX. I noticed there were one hard pull each this week on XXXX and transunion from XXXX XXXX dated XXXX XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit 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 2021-01-18
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
PNC Bank denied my dispute and removed reimbursed funds from my account and have not re-refunded me my money in the amount of two transactions totally {$260.00}. I booked a hotel XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX, FL through XXXX. once me any my fiance checked in and headed to our room with our luggage was shocked and terrified upon what we came in contact with. I swiped my card and turned the light on. A random, XXXX, middle-aged, big man laying on the bed in the dark with the curtains closed. He jumped up and ran out the room. We were completely horrified and in shock and went back to the front desk telling the girl at the front desk what had happened. We told her we didn't feel safe in our room and we wanted a full refund and to check out. The girl was completely empathetic to the situation and apologizing. She told us there wasn't a manager on the property at that time and to contact XXXX for the refund. I contacted XXXX which they told us only the property could release the refund. Needless to say, we left that hotel and went to another hotel for our vacation at the XXXX XXXX XXXX a half hour later. I tried contacting the property through email and number provided but they ignored all my communication attempts. I contacted their main headquarters in XXXX, MD " XXXX XXXX. '' I filed a complaint with them about this XXXX XXXX. I filed two disputes with my bank, PNC because the hotel still charged me two transactions for the room amount in the total of {$260.00}. PNC bank reimbursemed me initially upon my disputes. XX/XX/2020 PNC bank removed that money from my checking account and sent a letter of the denial of my dispute stating they had not recieved any documentation for the dispute. I faxed my same documentation again a second time with confirmation from a local PNC branch. They are still ignoring my requests and have not gave me rightfully my money back to me that they took directly out of my account without any notice. I am highly appalled with PNC bank and their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: IL
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 have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Accounts XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX showing up as a hard inquiry on my transunion credit report. I was previously advised by transunion that it would be removed whena prvious complaint was filed in XX/XX/2022 and it was not removed. This is my second compliant. Orginally suspected this was inquiry ( along with others ) were a result of a data breach from another credit bureau.

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 2022-09-30
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from a debt collector ( True Accord ) which stated I owed on a credit card issued by XXXX XXXX Bank XXXX I contacted XXXX XXXX Bank and XXXX them I have never applied, nor been issued a Credit Card from them. They investigated, then still sent me another email through True accord a debt collector. Sent an inquiry again, only to get the same vague copy of XXXX XXXX Bank Credit Card XXXX Uses a very old address of mine and does not specify what was charged on the card. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Something is very strange. We bought the house for {$140000.00} and took a mortgage out for that much and we have been paying for 4 years now, and the balance has only gone down {$1000.00}. 

Something seems wrong. 

Also, it is not clear whether or not they added {$7500.00} that Michigan for down payment assistance into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
around XX/XX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to chexsystems as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in chexsystems as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.

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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Around XX/XX/XXXX i was scammed by an online scammer who posed as a young woman who is knowledgeable about trading and investing in crypto. she advised me to invest in this Fraudulent company named XXXX XXXX XXXXXXXX. After I Invested a large sum of money both she and the company stopped all forms of communication with me and i was unable to withdraw my funds. I lost XXXX XXXX which is XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: TN
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:
Accounts XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) 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 explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: FL
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 sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I was trying to make a payment to my credit card online and chose the option to pay the full balance by mistake. As soon as I realized I called Citi card services early morning on XXXX XXXX, I was assured by their representative that they would credit my money back in full in 3 to 5 business days. In the mean while my bank account appeared overdrawn. My Bank apparently declined the payment and I was patiently waiting for the balance to show up in the credit card again. Today Citi tried to take this payment again out my account knowing that it had been a mistake because I called and informed them on Friday XXXX XXXX, they overdrew my Bank account once more. I called them again today and was told a different story about this process, now they said it was 3 to 5 business day to process this and decide if it got approved to give me back my money, and then another 4 to 6 business day for me to get the money or actually see the balance in the credit card again, meanwhile my payment due date is XXXX XXXX and now Im worry about missing my actual payment due to this whole process, which I was interrupted and told that there was nothing they could do about it, that I had to wait for the whole process to see if it got approved when Ive been telling them that I did not authorized that full balance payment.

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 2018-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wells Fargo and XXXX XXXX XXXX have opened accounts using my previous information at a time when I have banked with each of the banks at one point in my life. Employees From both these branches have re opened account without my permission to gain monthly bonuses and meet the monthly requirement as an employee, the banks also gained off victims like myself by opening fake accounts it showed growth in banks overall gained interest in stocks to go up, collected fees from fake accounts, caused my credit score to drop damaging my life. Wells Fargo has offered to settle the matter with a refund that I dont agree with. The amount is low for the all the harm these banks have caused my family. I wanted to settle the matter in court but unfortunately these banks are protected from doing so.

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 2018-11-30
Company: Experian Information Solutions Inc.
State: TN
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 did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2017-08-13
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lyone, Doughty, and Veldhuis LLP sent me through the XXXX  County Court System a notice that I am being sued by them. Inside the notice they did not send enough information to verify the debt such as : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Attached you will find what they sent me which is clearly not any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I've logged into my bank of America EDD account numerous times,  suddenly passwords, username info etc doesn't get me into my account, nothing works period

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 2017-08-13
Company: Experian Information Solutions Inc.
State: FL
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 spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit 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 non-monetary relief