BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
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 belongs to someone else

Complaint:
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, TU, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell XXXX  it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a XXXX XXXX  and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to 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 2022-09-14
Company: EQUIFAX, INC.
State: GA
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:
All the accounts and inquiries listed below are all fraudulent and were opened without my conscent. And it is against the law to report fraudulent account. 

Equifax Fraudulent Accounts XXXX XXXX XXXX Account Number # XXXX Account open date XX/XX/XXXX Balance {$1200.00} Equifax Fraudulent Inquiries XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/2022 Bank of America did a hard inquiry on my credit. I did not authorize or ask for a new credit card attached to my social security number. I reached out to Bank of America fraud and had card taken off my name but they said they cant help with hard inquiry. The credit reporting agencies say tell Bank of America. I want this Card off my credit. It says I am an authorized user. It was reported on my credit beginning XX/XX/XXXX. I d have a Bank of America credit card but have had it for years. This is a new account someone else opened and attached my social to it. Please remove from all of my credit reports

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 2022-09-09
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:
On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021 I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity theft report that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
WE have had several leases through other finance and car companies. This was my first experience w Ally Bank, with terms and conditions like no other finance company. 
I assumed a the last 30 months of transfer car lease through Ally Bank. I contacted Ally in XX/XX/2019 to understand lease end terms and options for the end of the lease in XX/XX/2019. I was offered a lease extension for 30-90 days at {$150.00} over the usual lease payment ; a payment increase was not mentioned in any phone call, let alone an increase of that size. I was told that anytime during my lease extension, I could turn in the vehicle at a dealer. We turned in the vehicle, to the original dealer, 30 days into the extension. I contacted Ally to inquire about the inspection and I was told at that time ( not before ) that I was responsible for the vehicle until it was sold at auction. They were aware that the car had already been turned into the dealer - this seemed odd. since they also told me that sometimes this auction could take up to 90 days. I called again and asked again about the inspection and was told the first inspection was incomplete, although no one could tell me why and they were unaware why another inspection had not been scheduled. I requested that they schedule another inspection. 2nd inspection was completed 7 weeks after car was turned in. In the midst of all this Ally changed computer systems, which every Ally person I talked to, has been an issue. I received a letter in XXXX XXXX nearly 8 weeks after was returned ) stating that I owed over {$1600.00}. The letter stated that the car had been smoked in ( I do not smoke ), only one remote was returned ( both remotes returned to dealer ) and that I agreed to a 90 day extension, even though I had been told by several customer service people prior to the extension and after that I could return the vehicle at anytime. I have over 30 phone calls prior to the end of lease and after the end of lease and have talked to over 10 Ally departments. Misinformation and incomplete information has been the norm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I signed up to get my credit report through Equifax for {$1.00} for a 7 day trial because the application for a business loan required it before they would submit my loan request. I cancelled that service as soon as I got the report. Somehow, I was signed up on another account and was charged {$29.00} for another credit report, without even having an email address or password. The only information I found on this was on my computer the website credentials preserves my passwords with each website. They charged me {$29.00} for the month of XXXX in spite of the numerous cancellations that they should not have been charging me for I did not authorize this payment, I want this other account closed and I want a refund on the {$29.00} plus the service charges incurred by going over my credit limit because of this bogus account, {$38.00} for over the limit fee on my XXXX Credit Card, so that is {$67.00} Equifax owes me. Also because this transaction put me {$5.00} over the {$400.00} credit limit I lost 28 points on my credit score because of this too. What I want Is A refund, any account cancelled that Equifax has with my social security number on it and compensation for the charge fees on my credit card due to this bogus fee. I also want the 28 points lost from my credit score. I have documentation of the charge to my credit card and that this one transaction caused me to exceed my limit, thus incurring a service charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA NA Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will be my third time placing a dispute with XXXX  in regards to the accounts that XXXX  is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into XXXX  I have since gotten no response from XXXX  about the reason why they have not removed these false accounts from my credit file. XXXX  suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and XXXX  has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue XXXX  in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires XXXX  to verify the validity of each account within 30 business days, I have not heard from XXXX  and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX  {$450.00} and ( 2 ) MEDICAL DATA SYSTEMS {$1700.00}

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 explanation
Consumer complaint received 2020-04-09
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
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: Their investigation did not fix an error on your report

Complaint:
I have a HELOC with Iberia bank that was established in XXXX. At the time of this writing and the time that the issue I'm reporting occurred I've had a zero balance on this HELOC. In XXXX of XXXX I was contacted by an Iberia employee in reference to a past due annual fee for my HELOC account. I informed the employee that I did not receive any communications via email or letter mail regarding this annual fee and that the fee was late due to no fault of my own. The employee agreed with me and advised to just pay the fee as soon as possible, which I did. Despite Iberia bank 's failure to send me a bill they reported me to the credit bureaus as being 30 days late on a mortgage loan, 30 days late for an annual fee of {$50.00} on an $ XXXX HELOC with a zero owed balance. I'm in the process of refinancing my loan and this negative mark on my credit report is having a huge impact on my ability to obtain financing. I'm being penalized for the failure of Iberia bank to notify of money owed, please help.

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 2022-09-14
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
For whom it may concern, I did a money transfer from United States to XXXX, bank account to bank account transfer ( XXXX XXXX XXXX to XXXX ) on XXXX XXXX, 2015. 
I contacted the receiver in XXXX on XXXX XXXX, 2015, he still have n't received it yet. I contacted Western Union, and provide them my receipt and transaction tracking number which is XXXX, ask them to help me to tracking the transaction. However the custom services in WU told me, they do n't know where does this money went to, and this transaction is not in the system at all, they need to renew the transaction in XXXX to XXXX hrs. I waited until XXXX XXXX, 2015, nothing happened, I called WU again, after being transferred XXXX to XXXX times, they told me they have to renew the transaction again in XXXX to XXXX hrs. again. Since WU lost my money in the transaction for a month and without notifying me, and when I contact them they just have no reaction at all, which made me think WU has some fraud or scam issue, I lost confidence and patience with WU. I had to make a transfer through XXXX XXXX XXXX, which spend another {$300.00} along with {$35.00} transaction fee, in order to make it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, When setting up my  " One Deposit Checking '' account with Citizens Bank, I specifically opted out of " overdraft protection. '' However, I received two overdraft fees of {$35.00} each, so I contacted Citizens Bank but received no help from them. If I have opted out of overdraft protection, why am I receiving fees? They seem to be quick  to tell me I ca n't be helped!     Thanks a  million for l ooking into this!     Thanks,  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from XXXX XXXX I, XXXX. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX XXXX has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.

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 2015-08-12
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$80.00} to my son. I 'm in Virginia and he is XXXX in Colorado. I sent this money at XXXX XXXX and he attempted to pick it up at XXXX, unfortuately, they said the money was not there. I have the receipt and reference number and called moneygram directly. so far I have been transfered twice and questioned as of why I sent money and who and purpose, all have been answered. Now I 'm on hold for 20 minutes while my son waits at the counter for resolution. I paid for their services that stated 10 minutes to transfer yet to be received by my son. I 'm still on the phone with MoneyGram, I have been transferred to XXXX levels and the time is now XXXX. I have someone who states they are going to release the money but keeps putting me on additional holds.They claim the money was released however, when I questioned what was the problem they only apologized and I asked again and they put me on hold music. I do know one certain, I will never do business with them again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account information incorrect

Complaint:
Fair Collections & Outsourcing from XXXX, MD incorrectly reported information to XXXX  that negatively impacted my credit application and needs to be rectified urgently.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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