BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Monday, XX/XX/2024 at XXXX EST I settled with Ameriassist Solutions and paid {$650.00} for the XXXX  XXXX XXXX account. I want this account take off my credit report and reported as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two inquiries on my credit report that I do not recognize or gave any permission to use of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: A-L FINANCIAL CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to reach AL financial company about to resolve these issues. They hang up on me and speak rudely. They are putting me at a disadvantage by closing out the debt and reopening under a different company, causing my debt to re-age. I have written letters to have item removed and they have ignored me beyond repair. I have tried everything I can to fix this issue as my credit is holding my children and myself back from bettering our lives. This was added into collections in 2016 and re added every year after making my clock be extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I transferred XXXX points that I had on my chase southwest credit card to my wife 's account. Now the credit card company charging {$600.00} for no reason. I filed a complaint with credit card company chase unable to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: MARINER FINANCE, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has been notified this was ID theft, and proper documentation has been sent to both the company and all three credit bureaus and will not do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account XXXX XXXX those account above 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 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 2023-04-03
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Charge from XXXX thru PayPal was reversed due to show cancellation. PayPal claimed to to return the money but never did so. After inquiring, PayPal representative told me I needed to dispute the charge thru the credit card company ( XXXX ), which I did. XXXX claims the charge was valid and will not refund the money - leaving it in PayPal 's hands. This situation is understandably complicated by the 3 year gap between the ticket sale and show cancellation due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have not applied for credit with this company

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
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:
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 accounts 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 ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX XXXX {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There is a bank name Wells Fargo fraud bank closed my account fraudulently and I lost {$760.00} which every month of the 3rd I receive from the Social Security Administration. I opened this account on XX/XX/XXXX XXXX XXXX and they closed my account on XX/XX/, in one month. I gave my this Wells Fargo account number to Social Security Administration to deposit funds in this Wells Fargo account and they said that on this XX/XX/XXXX, they deposited {$760.00} funds in my this Wells Fargo account but before XX/XX/XXXX XXXX came this fraud Wells Fargo closed my account on XX/XX/2023, and sent notice to me and it takes days to receive a notice and then Social Security Administration can't take changed account number fast in some days and deposits funds in a different account. So on this XX/XX/2023, Social Security Administration tried to deposit funds in my Wells Fargo account but I didn't see any funds in my Wells Fargo account because the account was closed. So I lose this XXXX {$760.00} from Social Security Administration and Social Security Administration can't change any personal bank account immediately they take one month to change that person 's bank account. So if I called Social Security Administration to Change my bank account number then they gon na say that they can change my bank account information next or I think on XX/XX/, until they can deposit funds in my Wells Fargo account but this fraud Wells Fargo bank closed my account and I lose my this month {$760.00} and if I wait till XXXX than I gon na lose a total of {$2200.00}. And I requested this fraud Wells Fargo to reopen my account but they didn't reopen the account. 

And they closed my account because I deposit 2 checks in my account from another bank and that other bank returned those checks because there were not sufficient funds in my account and because those funds came into my account at XXXX when I deposits the check but that other bank returned the check on same day XXXX and on same day XXXX  there are so many funds come in my other bank account but because of another bank my those deposits checks were returned and because of that Wells Fargo closed my account. Every bank charges returned check fees from customer 's accounts but this Wells Fargo bank didn't charge returned check fees from my account they closed my account and committed fraud and they did this because, Wells Fargo breaks federal consumer protection laws that apply to financial products, including auto loans, mortgages, and bank accounts. And Wells Fargo is required to pay more than {$2.00} billion to customers who were harmed, plus a {$1.00} billion fine that goes to the victims relief fund.

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 2023-04-03
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc account # XXXX states I owe XXXX to XXXX XXXX XXXX 
Opened XX/XX/XXXX I don't have a contract with XXXX XXXX. My lease ended XXXX XXXX XXXX  I was out of the apartment XXXX XXXX XXXX 
Gave notice 90 days in advance. 
See notice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-04-03
Company: EQUIFAX, INC.
State: MT
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 filed a letter with equifax in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way equifax & XXXX XXXX could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd equifax is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX equifax and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. XXXX XXXX is also reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

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 : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX  : ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 2023-04-03
Company: TRUIST FINANCIAL CORPORATION
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:
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. 

DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation