BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a victim of Identity Theft. On XX/XX/2020 I attempted to open an account with Chime. I was informed by the company that there was an account with my social security number already opened. I sent the requested documents to verify my identity along with a letter from the FTC informing them that by law I had a right to get the info that was used to open the fraudulent account. I have not heard from them. It's been well over a year. 


I do not know who opened the account. I did not authorize the account, therefore I don't have an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}

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
Consumer complaint received 2021-05-01
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I Guess PayPal must fix the problem. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: JUMBO LOAN EXPERTS LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hi, I was working with XXXX XXXX from JumboLoanExperts and he pulled my credit to give me a prequalification letter. He wanted me to wok with particualr agent of his choosing and if not he says he will not give me a prequal letter as required per law. I am deeply dissatisfied with his business etiquette,. It was utterly unprofessional and not fair towards me. 

Please take an appropriate action towards this lender/broker. 

Thanks!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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 an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CITIBANK, N.A.
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 have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with 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 XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

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 2022-03-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

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 2022-09-11
Company: EQUIFAX, 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:
On XX/XX/XXXX I notified Equifax that there was an error with my name on the credit report. I had a legal name change. I mailed my court order name change, Social Security card, bank statements, and copy of my identification card. They said they resolved it and it still has not been resolved a year later. I submitted another dispute with Equifax disputing the same thing on XX/XX/XXXX. Its now been 30 days and I still have no response. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Phoenix Financial Services just violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by placing XXXX collections on my credit report that were previously deleted by another company and by not notifying me of these collection accounts. I only know they hit my credit report because I have credit monitoring and I got the alert today. They are reporting account number XXXX in the amount of {$570.00} and account number XXXX in the amount of {$1800.00}. Both of these accounts were deleted by XXXX XXXX over two months ago because they lacked proper validation on this account. And now XXXX is reporting an open date of XX/XX/2017 on my credit report which is so not true and false. I filed a complaint with the BBB and they told me that they sent their initial letter on XX/XX/2017 which is not true. I never received anything from them and they are lying. They have this on my credit report and it should not be on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''

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 2022-08-04
Company: Experian Information Solutions Inc.
State: WY
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:
In XXXX of 2022 I started getting e-mails and phone calls from a company called XXXX. I spoke several times with representatives and managers and each time they told me I had an account, however when they tried to guide me to this " said account '' through their website I would receive a return e-mail with someone else 's name on it and it would state that no account exists. The manager then referred the problem to their research group who replied in an e-mail that I had no account with them and that my credit would not be affected. They continued to call and I spoke again with a manager who referred my " said account '' to their research team again and AGAIN I received an e-mail stating I had no account and that my credit would not be affected. I don't know how cut and dry this needs to be to see that this is in error and I want it OFF of my credit report! I submitted the e-mails and screenshots to Experian showing the responses from my e-mail with a different name than mine. I need this fixed! I have been working very hard on improving my credit and for a company to just add this to my name is insanity and for Experian to go along with it is beyond comprehension. There is no account and I have NO documentation, NONE but just their word I owe this. I can't even see what it is for and they have not told me what it is for as I don't have an account so they can verify my INFORMATION!!!!!

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 2022-09-11
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:
On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-05-13
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Good evening, I received an alert from XXXX  that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX  XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Resurgent Capital Services L.P.
State: ME
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 Opened A Credit Card With XXXX. Used The Card, Paid, Used It Again, And Tried To Pay It Off... The Gentleman In The Call Center Refused To Take A Payment, I Asked For A Supervisor, He Hung Up On Me. I Kept Calling Back, Trying To Submit A Payment, Again They Refused. I Caught XXXX XXXX, Lost My Job Due To Closures, And Couldn't Pay The Bill. I Made Contact With The Company, They Informed Me That The Bill Was Going To Collections, Despite My Continued Efforts All Fall & Winter To Pay It. When The Pandemic Was The Worst I Checked My Score Randomly And Saw A New {$600.00} Bill On My Report, Not Recognizing It I Did Some Digging & Found Out That It Was The CreditOne Card. Under The Name Of LVNV Funding LLC. They Doubled My Credit Limit And Slapped That Total On My Report Plus A Few Dollars. I've Tried Talking With The Company, I've Tried Disputing It. All I Receive Back Is A Statement That The Information Is Correct, It Is Most Certainly NOT Correct. Unfortunately I Lost My House, Almost XXXX, Then My 3Br Townhouse & Surrounding Complex Was Sold To A Golf Course And Every Document I Had Is Gone. Everything I Had Is Gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ProCollect, Inc.
State: MS
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 XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account 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
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: AL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had co-signed for someone XXXX XXXX mother company XXXX   XXXX auto they both showing I owe them after sale is not fair how could both company 's claim same thing thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a credit update and it list that my XXXX credit limit decreased when in fact it INCREASE. The error caused me MAJOR POINTS and no one seems to be able to understand how they should fix this error on their. I have been constantly calling them and I have yet to have someone fix this 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 2022-09-11
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 status incorrect

Complaint:
On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on XXXX XXXX This account is not FCRA compliant 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 non-monetary relief