BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
State: GA
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 sent 4 letters to Equifax over the course of 120 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I have copies on file with certified mail receipts for each. In each letter I have asked them to correct direct erroneous information that they are providing on my credit report, I have asked them for physical proof for their " verification '' I have provided them with proof of their errors. They have several errors on my report : Misspellings of my name, wrong previous address, entire payment histories missing from tradelines and they refuse to send me physical proof for negative information that I suspect are not mine. Each month they send me a vague response that often doesn't even match what I have requested and the errors remain on my report with little to no change. They are willfully being non compliant to my FCRA Rights and my rights under the FCRA Section 609 especially. I have also tried to reach out to them by phone. I am often routed to representatives that do not speak English very well and/or can not understand what I am communicating. Equifax seriously needs regulation on how they handle inaccurate information. They are non compliant and they ruin peoples lives by not doing what the law requires. They are bold in their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Synchrony called me at XXXX XXXX this morning. Theyve been advised not to contact my phone numbers at all if Im a day late two days late or weekly. Theyve been advised not to contact me by this phone number and they continue to break the law against my rights of telling them not to contact me by phone. This company needs to be held accountable for their actions against the federal government. I have rights as a consumer and they are violating my rights

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 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2021-09-29
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made serval attempts to resolve this matter with this debt collector yet, they continue to false report inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Nelnet, Inc.
State: MI
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:
" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.. 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX. As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. Notice, it is a fact, that, I, agent for principal XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and Nelnet has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My name is XXXX XXXX. I opened a PNC Virtual Wallet with Performance Select account on XX/XX/2021, which I applied through the PNC website with the promotion to receive {$400.00} after {$5000.00} direct deposit between XX/XX/2021 to XX/XX/2021 to open the account. But today the customer service from PNC told me my account has no promotion applied, even I have qualified direct deposit to my PNC account. This is definitely something wrong since I applied through the PNC website with the promotion code on my application before I submit the application. I am very sure because I double-check that before I submit my application online. If the promotion code is not applied to my account that should be PNC 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard Inquiry from XXXX XXXX On XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone on XX/XX/23, try to open a account in my name to XXXX XXXX XXXX XXXX account number # XXXX. I file a report with Experian to have my credit freeze for fraud alert. And file a complaint with Federal Trade Commission ( Identity Theft. gov ). I also sent the company XXXX XXXX XXXX XXXX a copy of a hand written letter they requested along with a copy of my credit report with a copy of the FTC Identity Theft Report, Informing them that someone try fraudulent to try to applied for credit card in my name without my permission or authorization. I sent them a certified letter to them. This information have not been removed from my credit report today. I have done all I can do from my end. Can you 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 2023-06-16
Company: Experian Information Solutions Inc.
State: SC
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:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2021-09-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was sent money to my Paypal account on XX/XX/2021, unfortunately I was unable to withdraw it as the money never reflected in my account. Moreso I received an email from Paypal that my account was temporarily limited and was asked to upload my national identity photo a thing which I did. Instead of my account being restored after following all their rules, a message popped in indicating that it has been held for 180 days.. I have tried reaching PayPal support team in vain, they still stick to their decision without considering how they have inconvenienced me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am very unsatisfied by the way that my wire transfer transaction has and is being dealt with Chase Bank, especially having had over 5 working days since a recall has been made to expedite the process, yet none of the customer representatives have been able to provide a single piece of information as to when the funds would be made available. 
The recall case ID # JPM XXXX. 
Transaction Number : XXXX Briefly : I initiated a domestic wire transfer on XXXX XXXX XXXX, which was finalized/processed on XX/XX/XXXX. Having the recipient of the funds informed me of non-receipt of funds by XX/XX/XXXX, he reached out to his bank- the same Chase bank, where he was informed that his secure account would not accept the wire transfer, and I had to request for the funds to be recalled- which I did on the same day ( XX/XX/XXXX ) wherein I was provided the aforementioned recall case ID. 

For the past week, I have tried calling customer services line numerous times, to get hang up in my face, transferred to a dead line and in the end no reasonable response from anyone as to the status of the transaction and expected resolution times. Additionally I have lost my time going to two different branches ( at different occasions ) where I have been provided a simple you have to wait 2 - 5 business days, even after the fact that 5 business days have elapsed. 

Up to the time of filing the complaint, no one is able to provide any information as to where the funds are and when they will be returned to my account. This leaves me at a complete loss of {$2200.00} with no expected time of receipt. As consequence of this delay in making funds available, I am daily incurring additional unplanned expenses for money that I have but the bank is holding ransom with no explanation as to next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX  XXXX  regarding a debt of {$240.00}. This is an error I have tried to remediate with XXXX, but have been unable to since they dont offer an email address to contact them and their phone lines have hold times that go in excess of multiple hours. 

This started because when I cancelled ( XX/XX/XXXX XXXXXXXX XXXX ), I received a bill for XXXX XXXX XXXX Return Fees. This was billed XX/XX/2021. Then {$560.00} was charged to my credit card on XX/XX/2021. I called XXXX who then reversed my charges after verifying they received the XXXXXXXX XXXX XXXX returns. Then I received a bill of {$240.00} as well as your bill for collection of the same. This was in the second week of XXXX. 

I am very busy but have tried to resolve this with XXXX by calling the number on their Final Notice letter. I called at XXXX on XXXX waiting on hold for 40 minutes and 41 seconds. I called back to request that I be put on the call back line but got through to someone, who then said they couldnt resolve it, that it needed to be handled by their billing department. XXXX then transferred me, keeping me on hold until XXXX ( over an hour ). I dont have this amount of time available. I dont know why I cant just respond to them in email. They called me back and I spoke with XXXX in billing. She has said that this bill is in error and that I do not need to pay it. 

In summary, this debt is invalid as I have returned both XXXX XXXX  which XXXX has confirmed and there are no remaining debts to be paid, which XXXX has also confirmed. 

I sent a slightly altered form of the above message to XXXX  XXXX, but they didn't respond and instead chose to transfer the debt to FRONTLINE ASSET STRATEGI, who then set a Derogatory Mark against my credit. I have a credit rating of XXXX which is considered " Excellent '' but it has this mark for a minor charge which is unfair. It's worth me to just pay for it, but I don't want to due to the principal of this since I followed the rules set by XXXX and returned the items that I had borrowed ( the items simply allowed me to have adequate coverage that I was already paying for, from XXXX ). 

I've attached the original letter I mailed to XXXX XXXX, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I DID NOT AGREE TO ANY CONTRACT. THE CONTRACT LISTED IN THE ATTACHEMENTS WAS SIGNED WITH XXXX  BEFORE MY SIGNATURE MEANING I DO NOT AGREE, UNDERSTAND, OR READ ANYTHING IN THE CONTRACT. I WAS NOT PROVIDED A ORIGINAL COPY OF THE CONTRACT WITH A WET INK SIGNATURE. House Joint Resolution XXXX PUBLIC LAW 73-10,15 USC XXXX692c,15 USC 1692a,15 USC 1605,15 USC 1692e , 15 USC 1692XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on TransUnion and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the XXXX Date Breach Settlement website that my information was impacted by the XXXX data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX XXXX has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXXXXXX XXXX credit card account opened on XXXX XXXX XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

TransUnion- TransUnion has a different XXXX account listed that was opened fraudulently on XXXX XXXX XXXX as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. XXXX company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
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:
I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, MD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XX/XX/XXXX Location XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXE XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
One Main Financial : ( We have noticed that your recent payments have not been the full contraual amount and have also been made on different days monthly ) My response : I have made the payment due amount on or about the due payment time, this amount shows on the app as the amount due without the option to pay the contractual amount or lose interest and principal normal credited amounts? 
It is misleading to show a customer the amount due and then credit less principal and interest because of the payment you supplied the client without disclosing they lose principal and gain interest? Very misleading.

Company response to consumer: Closed with explanation