BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: IN
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 been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX XXXX {$310.00} -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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:
BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$0.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount - Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status This account was disputed for over 5 months and they are still refusing nto close the account. Plus its reporting a total of three times with the same information. They are destroying me even after it was paid off. 

they have ignored my dispute for 5 months, they had 30 days and still have not resolved this in 5 months

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 2019-01-23
Company: EQUIFAX, INC.
State: IL
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:
There are fraudulent inquiries on my credit report which I reported to Equifax but has not been removed. I contacted them several times about this matter but nothing has been done to resolve it. The following are fraudulent inquiries XXXX XXXX XXXX XX/XX/19, XXXX  XXXX XX/XX/19, XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
Equifax reported that the account was open when it was closed. Equifax reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo

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 2020-02-07
Company: U.S. BANCORP
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company sent a statement for XX/XX/2019 statement stated that I owed {$420.00} where I worked out a payment plan for {$210.00} per month. I worked out a verbal workout plan where it was {$210.00} per month but then I received a statement stating that it was {$420.00} owed and past due. I dont like my credit being hurt and I dont was unemployed trying to make it.

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 2023-09-27
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2020-06-06
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I created a XXXX account and I am having trouble linking my PNC bank account to the XXXX XXXX ( on Mobile and on Desktop ). The message that keeps coming up is saying " PNC has made a change that prevents me from being able to link my accounts. ), but I called PNC bank and they said everything is good to go and that I should be able to link to XXXX XXXX. Also, I've been trying to link for over 10 days now. Please get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
XXXX reported that the account was open when it was closed. XXXX reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Phillips & Cohen Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector called this morning on behalf of XXXX XXXX XXXX( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for 20 minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Cosigned for a car for an X over eight years ago, it was never on my credit and all of a sudden its showing up on XXXX with the date XXXX XXXX I cosigned for this vehicle over eight years ago and he left with the vehicle. I never drove it. He was paying everything on it. I have no idea what happened to the vehicle. It was never on my credit with XXXX and now its showing up on there and I dont know why, they told me that I needed to get an FTC thats what Im trying to do so I can send the information to them because this is not my account and I dont understand why its on my credit all of a sudden two years ago when it hasnt been on my credit for almost over 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I open the Barclay 's XXXX XXXX Business Credit Card back in XX/XX/XXXX. It was advertised with a sign-up bonus of XXXX  for {$1000.00} spend and then an additional XXXX  for signing up an Authorized User and making a purchase with that card, all within 3 months of opening the credit card. I received the XXXX  miles, but never the extra XXXX The purchase from the Authorized User 's card was made on XX/XX/XXXX ( see attached proof ). I followed-up with Barclay 's on this missing bonus at first on XX/XX/XXXX. The person I spoke to was able to verify they had the purchase on their end and that it should have triggered the bonus, so she didn't know why the bonus didn't post. She said she will open an inquiry to find out. I called back on XX/XX/XXXX as I noticed the bonus did not post yet. On this call the person said there was no status update yet, but she they will send it back again. I called back again on XX/XX/XXXX as nothing has happened, and I was given the same information that there was no status update. On this call, I also closed the credit card as the annual fee was due and with COVID-19, I have no travel plans for the foreseeable future, so the airline benefits of this card were not worth the annual fee. I told the person that I would keep the card if they would waive the annual fee, but they would not do so, so I canceled the card. And since I canceled the card, they said there is nothing that they could do about the missing 10,000 bonus miles that I was supposed to received for adding an Authorized User and having them make a purchase with the credit card.

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 2023-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my XXXX XXXX consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from EQUIFAX and XXXX XXXX and Ive sent proof of this as well so this need to be deleted from XXXX and XXXX as well. 
How is it one consumer reporting agency follow FCRA and the other does not??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX, 2023 Balance {$10000.00} Account number XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX 2023 Account number XXXX {$310.00}

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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: TX
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 have both credit and XXXX through synchrony/Paypal. I am not able to make payments anyway but call hold for 30 min and give info to rep for fee. I have 3 checking accounts. 2 from same bank business/personal and one checking/savings at another bank. I have tried to link all three accounts at different times and none of them work. I use all three of these accounts on paypal to buy anything from anyone but can't pay them. I have called for months and sychony tells me I have to talk to PayPal and Paypal says talk to Synchrony. I have tried with both. They will link my account and then say the payment bounced on both accounts. I call the bank and they do not show it ever hitting account. I have been charged late fees and I'm now 30 days past due. I called Synchrony directly and they transfer me back to synchrony/paypal and the run around starts again. I do not want this on my credit and I should not have to pay late fees when it's their system and they don't even care. I am questioning if there is a scam going on. I have never had a problem in 30yrs just paying a credit card. Plus the money was in my account when they claim this check bounced. It's not the first time either. I have names and ID 's for some people that I have spoken to at Sychony.

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 2022-09-10
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on a private parent plus loan since XXXX. The school that my daughter attended was caught making scam practices and was sued and has closed down. 
XXXX XXXX XXXX in Georgia. 
Due to this closure of the school I was denied any options to refinance by XXXX. 
I am XXXX XXXX XXXX and still having to work just to pay this loan. 
I was offered yesterday ( XX/XX/XXXX ) to do a hardship reduction of payments for 6 months and pay interest only. I chose not to as this will only prolong the loan. 
I need to know if my loan can be discharged as others have because of the school closure and the massive lawsuit that was settled against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Account status incorrect

Complaint:
I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and Transunion.

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