BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XXXX XXXX I sent a Certificate letter XXXX to open a dispute in Transunion LLC for a account that does not belong to me XXXX. The FAIR CREDIT ACT REQUIRES TO VERIFY THE VALIDATION OF THE ITEMS WITHING 30 DAYS. They took 120 days to investigate my dispute!!! XXXX XX/XX/XXXX XXXX I receive the results of that investigation, according to Transunion XXXX You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED " even though I sent them a copy of my XXXX consumer report ( XXXX ). I contacted XXXX and indeed they do not have any public records in my reports, in addition they do not have any request for information from Transunion LLC asking for the verification of the account that I am disputing. I am concerned that Transunion LLC is not taking seriously this dispute that I have been with them for so long and it is seriously affecting my borrowing levels. They violate the FAIR CREDIT ACT 30 DAYS VIOLATION. Copy of the certificate letter and copy of my XXXX risk 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
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I ordered a copy of my credit reports and discovered an account from Wells Fargo. I have never had or applied for a Wells Fargo credit card.

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 2023-02-15
Company: Paypal Holdings, Inc
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About XXXX I received a notice from PayPal that I bought something in XXXX for over {$300.00}. They would not tell me what was bought just that I owed them money. I refused to pay it, I dont shop in XXXX . They turned me over to collection agency, I told them that I wasnt paying & then letters stopped. A few years later it started up again. I called & asked once again to have account closed, I refused to pay, it all stopped again. Last year I got another letter but it all quickly died out. Today I received a text from PayPal about a {$560.00} charge. I called immediately & they told me I had two accounts, one in US & one in XXXX. I asked that all accounts were to be closed. He said the only way to close the accounts were to give him access to my server. I hung up & called u. I need to know what to do. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Self Financial Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called the XXXX XXXX XXXX XXXX to ask why I was being charged XXXX and XXXX when I have gotten my credit as of yet. They said they had closed the account and were charging me the XXXX fee for the card and an additional amount of XXXX. 
I also asked them to remove any negative remarks about my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: John C. Heath, Attorney at Law, PLLC
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: Account information incorrect

Complaint:
XXXX XXXX : Shows late payments on my credit report after never receiving the item ( XXXX ) to be financed in the first place. 

Late dates show : XXXX XXXX XXXX XXXX  Ive always owed {$0.00} and as further proof have nothing in collections. I have been told numerous times this would all be removed from my credit report and it still has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8 ) ( 9 ) ( 10 ) ( 11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692j ( a ) Furnishing deceptive forms to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX was notified in 2019 of my Bankruptcy and would not allow me to turn off the electric in home I had been renting until XX/XX/2019. I moved out and they continued through XXXX under my name. My bankcruptcy was discharged on XX/XX/2019. They sent the debt to Helvey & Associates who refuses to remove the collection from my credit bureau reports. I have disputed it multiple times with the company and they still have it on my credit even after it was included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Great American Finance Co
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX, XXXX ), ( XXXX XXXXXXXX ), ( Great American Finance XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Judgment Acquisitions Unlimited Inc
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I randomly got a call from this company telling me I missed a court date and defaulted. However I was never served paperwork in any way or form. Just called weeks later to be told if I didnt settle up with them they would garnish my pay. So to avoid any issues I started a payment plan. However I feel as if I was taken advantage of because no one ever made me aware I was being sued for said issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the Equifax credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 
XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Debt Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good evening, There are several debt collection companies on my credit report that have re-aged debts that were supposedly incurred over years ago. The names of the companies are Debt Recovery Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included screenshots of what is being reported. These companies are reporting that I have opened these accounts as recently as a couple of months ago, which is false. I have only recently disputed items on my credit report to the credit bureaus directly. The credit bureaus stated that they followed up with the companies to verify the information and that the information was verified but the information is false and now my reports are reporting relatively recently opened debts. This is inaccurate and affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
in the month of XX/XX/XXXX I applied for an avant credit card and it was approved and while waiting for the card to arrive I received an email notification from avant customer service concerning a change of phone number request, I immediately contacted avant customer service and advised them that I made no such request and that I haven t received the credit card in the mail yet, they informed me that credit card ending in XXXX had been activated and purchases had been made I advised them that the card had never arrived and must have been intercepted in the mail and that they should cancel it and send me a new card they said they would cancel it and resend a new card to the same address and it should arrive in seven to 10 business days which would have been XX/XX/XXXX, however on XXXX the XXXX I received another email from avant stating that my new card ending in XXXX had been activated, I immediately contacted avant customer service and advised them that I had not activated nor received any credit cards and that the card had again been stolen from the mail and to cancel it, i provided them with my sisters address and asked that all correspondence by mail be sent there they mailed me a new credit card ending in XXXX to my sister address but they added all the stolen card charges to the card so I refuse to activate it, they also claimed to have conducted an investigation case XXXX for XXXX, case XXXX for XXXX, which they claimed to have uncovered evident of my activating and using the XXXX stolen cards but refuse to provide the results, they also refused to provide the stolen credit cards numbers for the police report filed for the stolen cards complaint XXXXXXXX XXXX percent XXXX, they are billing me {$1800.00} for credit cards that I never received nor activated and have damaged my credit with the XXXX credit bureaus because of my refusal to pay.i also filed a report online ne with the FTC concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I called bank of america prepaid services claim department to check on my claims and bank of america said on XX/XX/2023 one claim got approved but that it was a missing credit. I still have not got paid for any of my claims.

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 monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION is posting inaccurate information on my consumer report which is causing harm to my personal life. TRANSUNION is furnishing a consumer report that claims I have a Student Loan account ending in XXXX from " Dept of ED/XXXX '' that is " 120 days past due '' yet it also claims to have a balance of {$0.00}. This information is from an account that was opened over 12 years ago, in XX/XX/2011. This report is inaccurate and needs to be removed from all consumer reports regarding my person furnished by TRANSUNION. I have tried disputing with the company through XXXX and had no success. I have also already filed a complaint here with the CFPB and yet TRANSUNION continues to violate my rights as a consumer by publishing my personal information against my consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports. I am not asking for TRANSUNION to conduct a fraudulent investigation to verify any account. I am telling TRANSUNION that they do not have my consent to publish this information on my personal credit report. Further use of this information will directly result in TRANSUNION committing Identity theft against me and will be punishable by law. Even here on the CFPB website it clearly states that " Stealing your identity could mean using personal information without your permission ''.

Clearly TRANSUNION is in violation of the law.

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 2022-11-16
Company: EQUIFAX, INC.
State: NY
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:
A XXXX credit card which I have seen added to as an authorized user without my authorization is being reported on my Equifax Credit report. 

XXXX XXXX Account # starts with XXXX Opened on XX/XX/2019 Charged off with balance of {$9700.00} I have called XXXX multiple times to remove myself from the account. However a representative advised me that she's unable to do so due to the delinquent status of the account. 

Since I'm not the primary account holder, I was never responsible for this account and it does not belong to me. 

I have also disputed the account with Equifax but it's still being reported on my report. 

This is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX  sent two letters to Transunion to Remove the following accounts. 
XXXX XXXX balance of XXXX account was to be deleted immediately by all Credit companies as they are no longer collecting or pursing. 
XXXX XXXX balance of XXXX. 
These two accounts are in direct violation of my fcra rights I have two letters from the bank ordering the bureaus to delete this erroneous 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Truist bank put a block on my account for no reason. I have XXXX $ in the account they will not give me my money I have called customer service, I have went into the bank.. they will not give me my money.

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 2023-05-13
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the late payments How is this possible when the data furnished should be the same and each bureau reports something different? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this. Stop reporting this incorrect information on my credit report. You can reference complaint XXXX for my initial dispute. Please remove the late payments and update 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 2023-06-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2022-11-16
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:
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXXmber : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : 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