BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$86000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$710000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was going to open a new checking account with PNC bank, they found out my SSN is on use of somebody else,, different name completely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: GreenSky, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX/Greensky # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander Consumer repossessed my vehicle on XX/XX/18, and failed to notify me prior to doing so denying me and/or family members the option and legal right to resolve any delinquency prior to repossession as I had been hospitalized for 3 months and Santander had been appropriately advised. 

While repossessed, money {$3700.00} ; {$100.00} Visa Gift Card ; taken from my wallet which was inside the vehicle {$240.00} in groceries inside the trunk ; when it was repossessed ; and for severe damage the vehicle incurred while in their possession e.g., biological hazard, specifically, mold, front and rear fender ( s ) damage ; and damage to the rear upholstery of vehicle. 

PLEASE SEE ATTACH EMAIL COMMUNICATION TO XXXX XXXX, CORPORATE OFFICE OF SANTANDER FOR DETAILED EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 these account are authorized user I did not authorize also account that where open fraudulently

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 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Bank of America account to XXXX to fraudulent investment firm.

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 2023-06-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second request to update my personal information on my credit reports. There is inaccurate information on my credit reports.

This is a violation of 15 USC 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose " There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for theconsumers right to privacy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I received an email from Synchrony Financial, the servicer for the XXXX and XXXX XXXX, offering a {$50.00} statement credit once a purchase of {$500.00} or more is made at a store. The terms were as follows : * Register on syfpromo.com using promo code : XXXX. You must register to be eligible for this offer. 
* Use your XXXX XXXX XXXX credit card anywhere it is accepted to make a single-receipt purchase of {$500.00} or more XX/XX/XXXX to XX/XX/2022. 
* Earn a {$50.00} statement credit. A maximum of one statement credit can be earned during the offer period. 

I tried going out to the website on XX/XX/2022 to register for the offer yet the website, syfpromo.com, states the XXXX offer is not valid. I tried registering on a Smart device as well as a laptop yet would still not work therefore this is a problem with Synchrony Financial. 

I called the Customer Service Department for XXXX and XXXX at Synchrony, XXXX, yet they do not show the offer of XXXX being valid even though this is the promotion emailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and Equifax shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2019-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XX/XX/2019 I ordered catering for my brothers funeral in the amount of {$710.00}. Currently I have a balance of {$130.00} on this card. Received a text message from capital one asking if I was authorizing purchase - I immediately responded yes. Caterer tried to run my credit card 8 times - all declined. Received an email from capital email on XX/XX/XXXX asking if I was authorizing purchase - since I thought I would be charged on this visa I responded no as explathe transaction was declined 8 times even though I immediately responded to their text message on my cell phone, I had to use my MasterCard to pay on XX/XX/XXXX. Highly embarrassed and caused further emotional stress during a very difficult time - there should have been no problem once I ok, d the transaction. Caterer kept asking me if I was over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On   XXXX   XXXX  , 2017, my d ebit card at  TD Ban k was compromised, and  XXXX  ( a company I have never heard of or interacted with ) withdrew {$370.0 0} ( in  XXXX   separate charges, {$280.00} and {$83.0 0} ), causing me t o incur {$100.00} in overdraft fees.     While the charges were pending, I went to my lo cal TD Ba nk branch and froze my card. I was told I could n't file a complaint until the charges were processed and my money was withdrawn. I waite d 24 hours to  lose my money, and then returned to the bank.     I filed a complaint with an employee that day at the local branch, or so I thought. Tod ay,  XX/XX/XXXX  , I emailed TD Customer service to see why this claim, said to only take 10 days, had not gone through. They reported, and the local branch corroborated, that no dispute had ever been filed. This is an egregious example of customer " service. '' As a struggling college student, losing all the money in my account has caused me to gre at stress and forc ed me to alter my lifestyle, eating less and spending nothing, and apparently, all for naught.     This is a terrible example of banking and account security, and I fully expect to be compensated for my losses. Unless  TD Bank   makes a serious effort to rectify their mistakes, they will have lose a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
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:
This is my 14TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXXXXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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:
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 inquiries. 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 explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account reporting on my credit file that is not mine. I have disputed the account with XXXX XXXX and EQUIFAX. Please investigate and remove the items. Both XXXX XXXX and EQUIFAX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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 is missing that should be on the report

Complaint:
The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account name : XXXX XXXX XXXX XXXX account number : XXXX To probity false deceptive practice, the FDCPA outlaws debt collector use of false and deceptive misleading information. It also protects consumers rights. 15 U.S. Code 1681a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. Which mean if I give power or permission. I DID NOT GIVE PERMISSION!

I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer.

I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate ''.

Also I remind you. That you only have the power to verify these account only if I '' the consumer give you permission to verify. I DID NOT GIVE ANY PERMISSION!!

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 2018-10-22
Company: HABITAT FOR HUMANITY INTERNATIONAL, 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 submit these ongoing issues from creditor and credit reporting bureau XXXX. I have requested several times for XXXX to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to Habitat for Humanity. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to XXXX  in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: NC
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX : {$210.00} ; TXXXX 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