BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax removed a fraudulent account listed on my consumer report and then turned around and added the account back. I submitted all required documentation, and the account still reappears on my consumer report even though I informed Equifax that it was fraudulent. This experience is a clear example of aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My attempts to correct some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. The following accounts are listed below : 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 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried since around XX/XX/2022 making numerous phone calls to Transunion regarding an account on my credit report called XXXX XXXX. I disputed this charge with XXXX XXXX  and Transunion, because I was not living at the address at time of service. Obviously belonged to someone else. The dispute was suppose to be in my favor through all credit reporting agencies. BUT XXXXXXXX XXXX continues to show up on my report though even the supervisor at Transunion states it is not on my report. So I had hard copy sent to me. Not only can I continue to see per their website but it is on the hard copy they sent me. I have been dealing with this issue since XXXX even being told it was removed in XXXX. This is a fiasco of chaos. I need help please. On the hard copy page 10 of 11 third company down is XXXX XXXX It is listed under Account Review Inquiries. I have been told it doesn't affect my credit score. Don't care it is still on my credit report and it is not something that belongs to me so it should not be listed any where. Correct?? Please help me. 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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much

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: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company calls 5 to 6 times a day for the past.6.months. In the state.of Texas that is harassment and if it continues I will.be filing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: DISCOVER BANK
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone stole my credit card number and were withdrawing money from the ATM I have had that card for over 30 years and never made a ATM withdrawal. Discover never contacted me .this was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: RI
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:
Accounts XXXX XXXX XXXX  and XXXX XXXX do not belong to me these accounts are fraud and are harming my credit report, score and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX along side XXXX XXXX, XXXX, Transunion and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have untiXXXX XXXX XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.

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 2023-12-07
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am XXXX and can not read or write as I am severely dyslexic. I lived with my mother who passed away. A man known through my half brother named XXXX XXXX happened to own a business XXXX and suddenly took an interest in helping my garage shop neighborhood means of not much money but enough of repairing anything from lawnmowers to cars for those who know me in my area. He convinced me that I could be given a grant by the government for being XXXX to grow my shop and have a real shop and be able to bring in more customers. He promised to handle everything for me because he cared. He ended up getting a Small business XXXX covid loan in my name and I now know he put me as a caterer. He quickly vanished and I repeatedly called the bank PNC to ask if my money over {$21000.00} had come and why I was never getting a card or statement or anything. They repeatedly told me I received every card and would not answer anything because he changed the answers to questions and address and phone on me. I went there as I got really worried and the woman was very rude and printed me out all of his withdraws under his name and company name leaving the account at nothing fast. She just said someone would call me and walked away. PNC knew I was XXXX  and XXXX from the day I opened the account I told them. All of my many concerned calls begging them to freeze my account and not let anyone take money out were ignored. I have now reported him and them to the FTC and SBA for scamming the government and exploiting a elderly XXXX man out of a secure financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a 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. 
also the credit bureaus took more than 30 days to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable. Consumer law requires to make sure that all claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements. I am requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2023-08-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my XX/XX/XXXX Synchrony Sams Club MasterCard payment via Bill Pay from my bank on XX/XX/XXXX. I have attached the payment details from my bank showing that the payment was made to Synchrony ( XX/XX/XXXX ), delivered by USPS ( XX/XX/XXXX ) and cleared my bank ( XX/XX/XXXX ). I called in to make the dispute on XX/XX/XXXX and mailed the proof to 2 Synchrony addresses. Synchrony closed the dispute stating I did not provide proof. I dispute again in XXXX via their online dispute form. On XXXX Synchrony closed the dispute again saying they could not find the payment. I called customer service and was told that the check orientation was not correct and they couldn't read it, however, the check was in the correct position when I reviewed my dispute. I spoke with a supervisor who was able to read the tracking numbers and said my account would be credited within 30 days. However, my account still has not be credited with my first payment and correcting their mistake should not take this long. Synchrony receiving a paper check from my bank 's bill pay system is no excuse! I had to pay all subsequent payments in store, since Synchrony can't seem to process payments correctly.

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 2023-07-10
Company: EQUIFAX, INC.
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: 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 
XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: CMG MORTGAGE, INC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Case XXXX ( re : CMG loan XXXX ) closed because the company provided an explanation. However, they still have not explained why interest continued to be calculated during the period of covid relief. The junior lien paid to HUD and the payoff to CMG was over XXXX, {$12000.00} more than my original loan. I had XXXX late payments and was assured that using the covid relief would not harm me in any way when I agreed to the program. Here is an excerpt of the company 's response to my original claim : " The first payment was for {$8000.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The second payment was for {$6900.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The third payment was for {$2700.00}, this covered XX/XX/XXXX and XX/XX/XXXX installments. In addition, there was a contractual payment in the amount of {$1300.00} in the non-interest bearing ( suspense account ) that applied for the XX/XX/XXXX installment. On XX/XX/XXXX, the principal balance was {$170000.00}. '' Please reopen my complaint and insist upon a full explanation of their interest accrual process - my original loan was for XXXX ( Loan No. : XXXX Original Loan Date : XXXX Original Loan Amount : {$180000.00} Loan Type : FHA FHA/VA/MI No XXXX : XXXX Investor No. XXXX XXXX XXXX ) but my payoff when we sold the home, was XXXX to CMG and XXXX to HUD XXXX over XXXX! They could not have followed the correct terms for interest accrual if in fact, they were truthful when they offered the covid relief program. 
Thank you so much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On a recent review of my credit report Wells Fargo auto has listed a fraudulent name and account. 
The identity fraud has started in 2006 and Im really irritated that this continues. My Wasband has initiated Various names under my Social Security

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Synovus Bank
State: KY
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:
XXXXXXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I was denied an account with another business because of a XXXX XXXX Report that was made by this bank. This is a direct violation of my rights under the FCRA. I have not received any notice from the bank that they were putting a hold on my ability to be able to conduct any financial transactions. 

I am demanding that this report be removed from my account, as I have no duty or obligation to perform for this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 customer service

Complaint:
On XXXX XX/XX/2023 I paid off the balance on my Bank of America Visa credit card and inadvertently overpaid the balance. On XX/XX/XXXX I requested a refund for the overpayment. First a representative named XXXX who refused to identify herself further behaved in an abrasive and rude manner denying me the refund i would be entitled to. Upon waiting an inordinate amount of time on a second call I spoke with XXXX XXXX ( if that is really his identification ) who insisted that if I did indeed require a refund it would take 14 days. He could not explain why I could not have my money returned within a reasonable amount of time like 24-48 hours eventhough I have held accounts there for 30 years and pay monthly fees of {$25.00} throughout that time period. I maintain I deserve prompt access to my own funds and asked what if I went to a branch requesting this money or even if I closed this account where the balance would have to be returned to me. He insisted that there was no way I could get around a minimum of 14 days and it wouldnt make a difference who I spoke with whether I maintained my accounts with BoA or not. I contend that this is fraud and it is gross mishandling/mismanagement of my money against my wishes. I wish for this to be a formal complaint against the bank and its personnel assuming they will vouch for these people. How do I get MY MONEY that is currently essentially stolen as it is being held for no reason against my wishes, back?

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