BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MN
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:
Attached to this report is a Identity Theft Report from the Federal Trade Commission. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX : XXXX, {$450.00}, XXXX XXXX XXXX  : XXXX, {$110.00}, XXXX, XXXX  XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OK
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 XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NJ
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:
When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the itemsbe authenticated by the 3 credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting itemsas unverified information. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is a followup to XXXX. There were errors and omissions in the bank 's response to me. This complaint is on those errors and omissions. 

XX/XX/2020 XXXX XXXX Assistant Vice President, Executive Services Sun Trust now Truist XXXX XXXX  XXXX XXXX, VA XXXX Re : Everyday Checking Account ending in XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX Federal Deposit Insurance Corporation ( FDIC ) Case XXXX North Carolina Commissioner of Banks ( NCCoB ) File XXXX Dear Ms. XXXX, While I have already spent more than an intended amount of time on this matter, I would like to continue to address the important points of my complaint that were either omitted or incorrectly characterized by your response letter, dated XX/XX/2020. 

To facilitate review I have now enumerated the errors and failures of Sun Trust Bank now Truist. 

1. You now state that my account was suspended due to high risk suspicious activity. You do not state the nature nor the details of the suspicious activity. 

2. You state that upon further review and verification of the transactions the suspension was removed. 
You do not state the length of time it took to remove the suspension nor do you state why the reactivation email sent to me by Sun Trust failed to explain the suspension and reactivation. 

3. In reference to contact information you discuss how this is achieved once you sign in. However you do not explain how this can be done if you can not sign in. This is what happens when the account is blocked. You can not sign in. 

4. You have omitted the issue of Sun Trust now Truist not having a contact written reference on a website or even a postal address. You have provided no solution for written contact correspondence to Sun Trust now Truist. 

5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review. 

Sincerely, XXXX XXXX Copies to : Consumer Financial Protection Bureau Federal Deposit Insurance Corporation North Carolina Commissioner of Banks

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 2020-01-15
Company: Rothman Evans, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to call agency that has active collection open., and was advised to send dispute letter which I did and provide current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted last year from Credit Control , LLC trying to collect debt on behalf of XXXX XXXX XXXX in regards to a debt owed to XXXX. I sent them written communication and emailed them aswell the following : " To whom it may concern : I am writing to you because I received the letter attached. I don't owe anyone XXXX. I have disputed this collection from my credit report and has been removed from my account since this is not my debt. 

Please forward me any documentation providing proof that this debt is mine and that I applied with XXXX XXXX XXXX. If you can not provide this documentation, then please stop contacting me. 
Sincerely, XXXX XXXX XXXX XXXX' I attached the original letter, my driver 's license, last 4 of my social, complete name and home address to facilitate verification on their end. I called right after to confirm with a representative if they received atleast my email which was confirmed. They later replied back with the following response : " Thank you for contacting us and sharing your concern.

To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. If you would like to provide further details regarding your concern, please send an e-mail to : XXXX Please allow at least 30 days to receive a response '' Which they did not respond because there should not be any proof that this debt is mine. Fast forward to now, I received a similar letter. The wording is the same however they provided a new reference number, same debt, same alleged creditor, etc. This is multiple violations under the FDCPA. They didn't respond in a timely manner and they DID NOT provide proof that the debt is mine. I wish to not be contacted nor harassed moving forward. The email conversation has been attached along with the 2 letters.

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 2023-05-09
Company: EQUIFAX, INC.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy 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 2021-10-25
Company: DISCOVER BANK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I requested an international wire transfer with my bank, Discover card, on the following dates, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX, I found out I was scammed so I called Discover card that I was scammed with those amount. I asked the lady on the phone is there anything we can do to reverse or cancel the transaction. She apologized there is nothing that the bank can do since the money had been wired out. On XX/XX/XXXX, I found out from another bank that all bank does swift recall meaning the sender bank can reach out to the recipient bank and put a freeze on the amount that was transferred. So I called back to Discover card and requested a swift recall on those amount since it was a scam. I am upset because the swift recall could have been done a lot sooner and the lady on the phone was not genuinely concern that I had been scam. This delay the dates on the recall by 3 business days and this allow the recipient to withdrawn the money from the account. I am also upset that the lady was not aware of such recall exists and that the transaction can be freeze instead I was told there is nothing that the bank can do. The lady who helped me was not knowledgeable about the recall and she was clearly incompetent at her job especially such a large amount of money XXXX total was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I didn't received the money transfer in the receiver account and the money was not refund. 

I transferred {$50.00} CAD ( MTCN : XXXX XXXX XXXX using debit card online on Western Union Website on XX/XX/2022. I sent from my XXXX account to my XXXX account, so I am the sender and the receiver. the money left my XXXX account but I didn't received the money in my XXXX account. I contacted Western Union Several times and opened the case reference number : XXXX, XXXX and they were not able to refund my money. they said the money was sent to the receiver bank account in XXXX XX/XX/2022, However that does not proceed. I checked my checking account statement in both country and I didn't received the amount. I am the receiver and I sent to them my bank account statement informing that I didn't received and they didn't refund me, Western Union said to contact western union in the country, I emailed the Western Union in XXXX and they told that the only way is phoning to the Brazilian number. 
I don't have money to spend in international calling to Brazil.All my attempts to ask for their help is exhausted! 
I believe that I dealt with western union in North America and they are responsible for the full transfer. 
Honestly I am since XX/XX/2022 trying to solve this problem before Western Union back and forth and they don't do anything to assist the costumer and I will sue them as theft of my money if they don't refund my money. That is my last attempt.

If could tell people, please never Use Western Union, they are not honest in their dealings. this company is doing illegal practices toward the costumer and they can get covered by the authorities because they are a big company. 

Please see attached print screen proving the information below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is the third attempt to reach this company regarding a violation to my credit reporting. They have not responded to any inquiry withing the legal time frame to prove that this account are mine, therefore i am requesting they be removed immediately pursuant to FCRA 623 ( A ) ( 1 ) ( b ). 
Account : XXXX XXXX : {$2300.00} Reported Open Date : XX/XX/2021

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 2021-10-25
Company: PENTAGON FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. PenFed is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with PenFed. Once the CARES hardship programs ended, my ACH auto-draft was canceled by PenFed without my knowledge. PenFed told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to PenFed 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to XXXX, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from XXXX, XXXX, or XXXX. I want these late payments and inquires removed because XXXX, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


TRANSUNION XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX  ( Original Creditor : XXXX XXXX BANK ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XXXX XXXX Balance {$12.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX  Balance {$1000.00} XXXX Balance {$730.00}

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 non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: CA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-10-25
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled.

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 2022-06-03
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Account never Late and paid in full.

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