BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help.

15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-06-10
Company: Professional Debt Mediation, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Professional Debt Mediation , Inc with ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) started a debt collection for {$6200.00} related to The XXXX  on XXXX XXXX, XXXX and they did not communicate with me at all, neither phone or mail. I realized about the collection on XX/XX/XXXX as I went through a credit bureau. This clearly violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer called me claiming to be from Citi bank fraud department and scammed me into sending XXXX through XXXX I have disputed this with my bank twice and have been denied both times

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 2023-04-27
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an auto payment set up through my bank account. 
I closed my account, and tried to set up payment with a new account a few days past XXXX payment due date only to find out I have a block on my account, which makes me unable to set up a new payment account, unless I go through their phone call system with a charge of around {$7.00}. 

I am also blocked from speaking to any customer service to explain the situation and find solution. 
The only option is to incur additional fees for three months even though I am fully able to make timely payments NOW if it were not for their system. 

I feel this is a very unfair business practice. Why should I be punished for three months with penalties/additional costs for a single month transactional error?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Continental Finance Company, LLC
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
This company stated they was going to remove my account from my credit report. This account is still on my XXXX and it's been over XXXX days and i disputed and instead of removing they updated it once again. Once again this account needs to be removed from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was the victim of a scam involving ticket resale via XXXX. When I noticed something was wrong and attempted to get the money back, the individual disappeared and blocked me. Upon attempting to track down the individual, it appeared this person had stolen another persons identity, along with other individuals, to con people attempting to buy XXXX XXXX tickets. I immediately contacted my bank ( PNC ) to attempt to stop the transaction and they said they couldnt stop the transaction even though it had not posted. They told me I had to wait for the transaction to post to take action. As soon as the transaction posted ( XX/XX/XXXX ), I reached out to PNC Bank to report the scam and ask for the charge to be rejected, and in less than XXXX hours, according to my denial letter, they said the transfer was valid and processed as instructed. 

I received no concert tickets for the money I paid. The individual promised a refund if I changed my mind and when I attempted to get my money back they disappeared. PNC Bank offered absolutely XXXX protection under Regulation E and clearly made no effort to investigate the claim. PNC Bank put me in a position where despite actively attempting to stop a debit charge prior to the payment posting ; I was forced to lose the money with no remedy. 

XXXX payments are instant only if the person receiving the money is actively enrolled, and it took almost XXXX hours for the funds to post, so the individual did not have an active account when the money was initially sent. Pending payments can be cancelled by the bank in which the money is being sent from. PNC Bank chose NOT to cancel the payment, which resulted in the loss of {$600.00} and a violation of my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10
Company: Block, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had a total of {$14000.00} taken from me through unauthorized fraudulent charges made on my CashApp cash card. The first charge was on XXXX XXXX & the last one made before I discovered that my card was missing & that the charges had been made was on XX/XX/2023. I immediately contact CashApp support & canceled my cash card & filed disputes for each transaction. They approved some of the disputes, & credited my account for some of them, returning approximately {$4700.00} of the funds to me. However they then denied the other disputes & kept the remaining {$10000.00} & then conveniently decided to close my account. They refuse to give me any further information or resolve this matter & I had spoke with the merchant that the charges were made to & they had notified me that they would not counter the disputes so that I would be able to get my money back. However, Cashapp never even submitted them or investigated that or anything they just automatically denied them & kept my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company sent me a letter stating I owe {$50.00} that I never paid to XXXX XXXX XXXX. I never received I bill from XXXX XXXX XXXX telling me I owed this money and as I worked at XXXX XXXX XXXX I found this odd. I asked for an original notice ( itemized ) from XXXX proving I owed this money. They sent me an itemized bill but it stated that it did not show what money was owed. I called them and was told by their employee I had to get that information myself. I sent a certified letter advising it is not my responsibility to prove their case but if they will send me proof of money owed I will be more than happy to pay the bill. They sent me the same generic letter from their office stating that I owe {$50.00}. As I have never received a bill from XXXX XXXX XXXX I do not have proof of this bill. 
The company in question is : Medicredit XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: TN
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 is reporting I have student loan account with them and I don't never heard of them nor have I done any business with them. 

XXXX XXXX is reporting an account that I don't have with them and no documentation has been provided that I owe any debt nor do they have any signed documentation proving I am the owner of this account. 

XXXX is reporting an account that is not mine and I have contacted them about this in the past but nothing is being done about it. 

XXXX is reporting an account that is not mine and I have sent them Identity then documents clearly stating this account was not mine but they refused to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX Collection AccounXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in 2019 I had a Wells Fargo account and there were instances where Id make a deposit at an atm and they wouldnt disburse the funds. Ive contacted claims since then and got the issue resolved. After that they was a simple conflict where I made a mobile deposit as well as cash deposit inside with a teller and they claimed my deposit was fraudulent because i instantly XXXX the money out. I again contact claims. They made an investigation, came back and said there was nothing they could do so I escalated it to a higher source provided all my documentation and still nothing resolving it. Then they later charged my account for the same amount I deposited and said it was because I made a fraudulent deposit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Bay Area Receivables, Inc
State: MD
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 Section 602A. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Re : Unauthorized Credit Inquiry & Fico Score error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit Inquiry error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an Inquiry on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from Experian. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, 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 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I recently opened a new checking account with XXXX XXXX XXXX XXXX which allows me to view my credit score dashboard. I noticed that my closed capital one account that I paid off is still showing on my credit report with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter/Notice ftrom Goldman Sachs dated XX/XX/XXXX stating that " my '' Apple Card account is past due : Apple Card Customer : XXXX XXXX XXXX XXXX " As of XX/XX/XXXX, your account is past due. Your past due balance is due immediately. In order to regain access to your available credit, please make a payment by going to Apple Card in the XXXX XXXX, online at card.apple.com or by reaching out to an Apple Card Specialist... 
If a payment for your past due balance is not received by the end of the month, Goldman Sachs Bank USA may continue reporting your past due balance and missed payments to credit bureaus. This may impact your credit score. '' I have no idea what an Apple card is, nor have I ever used one. My XXXX was hacked and information was stolen in XX/XX/XXXX right before XXXX. Also, I was no longer able to use the XXXX. I kept getting a message asking me for my Apple ID. My Apple ID was no longer recognized. I could not change my password or put in a new Apple ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
Experian, XXXX, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The wrong addresses and birthdate is wrong on my credit report tried to have them update my information but didnt work out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}

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