BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$0.00}

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 2022-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently made a military move from XXXX to XXXX. I opened a Best Buy credit card to help make purchases for the move in XXXX. When I was applying for the credit card, the Best Buy sales associate pulled the information from an old Best Buy account account that was on file. I told him the address was not up to date. He said to just leave it as is and to update the address later so I did not update the address. After opening the account, I called Best Buy to change the address on file for me and they restricted my account because my phone number was not eligible to receive text messages that verify my identity ( my cell phone is under my husbands name because we have a family plan ). The only solution Best Buy/Citi bank can offer to unrestrict my account and update my address so that I can receive my credit card is to mail a letter to my old address in XXXX  to verify me. I have told them several times I can not receive that letter because I live in XXXX. The associate I was working with went on and asked me to get a hold of the person who lives there and have them open my mail and read me the code so I can verify myself to Best Buy. This was the best solution they could come up with. Now they are saying there is nothing else they can do and I am unable to receive or use my credit card because of fraud concerns. When I open the credit card I spent {$2400.00} on the card and later payed the balance in full no more than two weeks later. The payment and account opening both happened in XXXX. How does that sound like fraud?

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 2022-05-29
Company: Experian Information Solutions 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:
I reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. 
XXXX XXXX unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308

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 2022-08-19
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Yestarday i try to made a wire transfer for XXXX they cancel and lock my online acces when i already send a transfer to the same person the other day i call to resolve it but the persons that i talk to say they cant verify me when they call me back to the number register in my profile i rspond the questions that they ask and at the end told me go to a branch and disconect the call for me is complicated to step on a branch because im in XXXX and i cant cross to the USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union XXXX XXXX. 

I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about XXXX XXXX. 

I contacted TransUnion XXXX XXXX. They referred me to TransUnion representatives who told me again they do not collect driving information. 

https : //www.transunion.com/product/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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This morning, I received an email that a Bank of America account had been opened with my credentials. After thoroughly researching the email address, content, and cross checking with BOA, I was indeed able to confirm that it was legit. I immediately notified the fraud department there that supposedly shut everything down, and informed me that there were no charges or activity. ( It was only about XXXX hours before I had caught it and shut it down. ) The worst part, is that I have had a long term freeze on all of my credit reports/accounts, yet somehow, the BOA platform allowed and approved an online creation without any form of photo or personal verification.

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 2022-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I went in to XXXX XXXX to purchase a XXXX XXXX from an online advertisement I seen. When I arreived there, an employee advised me that the XXXX XXXX that I was looking for was available but was not currently on the lot because the owner was currently using it as there personal vehicle. Once I heard this, I lost interest! I was then pointed to a XXXX XXXX  XXXX, which this certain employee advised me was priced at {$9000.00}. I then said ok I want it! I was then taken inside to a actual dealer named " XXXX ''. XXXX began by asking me how much was I looking to put down? I advied him that I only had {$1000.00}, XXXX then made a face as if to say no. He then said {$2000.00} was the least that I could put down, I then advised XXXX that I did not have that amount of money at that time. XXXX then said ok, do you have {$1500.00}? I said no but I can get it, XXXX then said can you can drive off with this car right now if you can get me that {$1500.00} and then owe me {$500.00}. I told XXXX to give me a second, I then went into my phone and transferred $ XXXXout of my checking account. I then advised XXXX that I had the {$1500.00}, he said ok. He went on the computer for a couple of minutes looking for loan companies to finance the car. After about 5 minutes, XXXX advised that he had found a company name " CREDIT ACCEPTANCE '' to finance the car. XXXX said Credit acceptance would finance the car and my total would be around {$16000.00} and some change ; I agreed. While I was waiting, XXXX advised me to pay attention while he read the contract to me, when he was finished, XXXX motioned me to sign what he had just read to me Electronically. I signed without even thinking because this was my first car and I didn't know the ins and out about anything, so I just singed the papers Electronically, albeit under the impression that the loan agreement was for a total of {$16000.00} and some change. Once the deal was made I drove off of the lot happy thinking that this was a good deal, however, upon reviewing the contract with a family member, I was notified by that family member that my loan was for a total of {$36000.00}!!! And out of that {$36000.00}, XXXX was subtracted from it as a down payment on my part. As I've stated before, I only put {$1500.00} down as a down-payment. So as you can see, I was baffled by this and right away called XXXX XXXX for an explanation??? They gave none, I then called the loan company, and they advised me that it was nothing thry could do because I signed the contract. In conclusion I ask that this matter be looked into because this has cost me financial burdens, and I would like for this to be reversed and I be compensated for the money spent on this egregious loan.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to 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 explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Amount {$700.00}, 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

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 2023-10-26
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my account with PNC bank in the branch but they kept it open. Now I got letters requesting me to pay almost {$50.00} on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-26
Company: TD BANK US HOLDING COMPANY
State: VA
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:
XX/XX/2022, someone tried to open a Target Credit Card in my name. They ran a hard inquiry credit report that correctly blocked them from opening a credit card, but the hard inquiry remains on my account. There is nothing Target can do about this, but I need this report open so that I can have the hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a cash app account under the name $ XXXX my email is XXXX XXXX XXXXXXXX I was unaware that cash app had converted my account in 2022 a business account charging me 2.75 % fees every time I received money Id never elected willingly or knowingly to have a business account it was a personal account for personal use I contacted them XX/XX/XXXX through their chat line they did not respond back I contacted them XX/XX/XXXX they agreed to give me XXXX dollars for the past XXXX days they will not work with me any further they have no management to escalate to they technically have been charging me for XXXX years for these erroneous business fees but I did not ever convert the account myself they disconnect my call even though I am not being belligerent or unkind and tell me they can not help me any further although they Stated they can only give me the money back that they charge from the date I called which was XX/XX/XXXX but they didnt they gave it to me from XX/XX/XXXX forward they will not have a manager contact me they state theres nothing more they can do it is unfair and unjustifiable that they have charge me on the money I have received I have proof of this on my phone that Ive contacted them also the fees they have charged they are unworkable can someone assist me I believe that you oversee cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
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 sent a letter off on XX/XX/22. To remove personal information that I do not want on my credit report. According to the fir credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
The XXXX  XXXX debt with original creditor XXXX XXXX  but issued through XXXX XXXX XXXX XXXX  ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.

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 2022-07-28
Company: ENCORE CAPITAL GROUP 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:
I have submitted several disputes regarding midland credit management FCRA violations and they are still reporting inaccurate information across all 3 of my credit reports. As I am looking at my XXXX XXXX, XXXX and XXXX report I see that the information such as dates, balances, and etc are all different. Also I have asked for validation of the alleged debt. I know about the FDCPA laws, and I still have not received a signed contract with my signature stating I owe this alleged debt. I am sending all the dispute letters and responses to my attorney, if nothing is done after submitting this complaint I will pursue a lawsuit. Thank you in advance for investigating this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I established a credit card ending in XXXX with USAA Bank 30 years ago. The company decided to close my account after 30 years because I did not make a purchase on it in 3 years, however, Ive had this credit for years with no purchase. They set a precedence that they broke and it will now negatively affect my credit score XXXX this was the longest established credit card on my credit bureau. I NEVER asked USAA to close. I called USAA to have it re-activated and they said they could not. There is something very wrong with this practice!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NJ
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:
Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Equifax. Here is my XXXX XXXX XXXX article # XXXX & XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.

Company response to consumer: Closed with explanation