BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Equifax for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX  XXXX XXXX XXXXXXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a credit card account with Baclays Bank for an XXXX card for the credit card line amount of {$3000.00}. As of XX/XX/2018 I decided to pay the entire balance in full. After making this payment in full prior to the billing cycle close and there was a XXXX  balance. I was charged {$63.00} interest on a XXXX  balance after the billing cycle closed. I called customer service to complain about the balance and have it removed due to it being an error. The customer service did not agree and would not remove the error. I demanded to speak with a manager. The manager had the {$63.00} balance credited. However, as retaliation she had my account sent to be reviewed for having a high balance on my credit card account. Mind you the balance was {$0.00} at this time. Nor had my account ever been triggered before this incident for a High credit balance. I called Monday XX/XX/2018 because I received a credit alert that my credit limit had been lowered to {$500.00}. I called to be given an explanation why. The manager XXXX informed me it was due to high credit card limit activity. Even though at this time the balance was {$0.00}. I informed XXXX I feel I  have been discriminated against in their banking practices. I asked XXXX what is their protocol if I wanted to file a formal discrimination complaint. XXXX stated there was only an internal investigation that will be held. At the conclusion of this investigation of what the findings were the customer would not be contacted. At this time I feel I was discriminated against and retaliated against due to me complaining that the Bank was attempting to charge me interest on a {$0.00} credit card balance.

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 2022-12-07
Company: EQUIFAX, INC.
State: NJ
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have reported to Bank of America of Disputed transactions that I did not authorize anyone to use my debit card. Bank of America denied the Claim Number XXXX filed on XX/XX/XXXX. BofA states I am liable for the transactions. BofA Rep. advised to file a police report. I have made and submitted a Long Beach Police Report of the financial theft and a California license to have the money returned, BofA has declined my claim XXXX times from XX/XX/XXXX. BofA has informed me they ATM video will be accessed. I aggreed to have the video pulled from of transaction. BofA has denied dispute after the fact, of accessing the person that is on the video, XXXX has sent me picture of the women that is stealing my money. 

I called XX/XX/XXXX to be informed of the dispute. The BofA Rep. informed me that the claim will be reoppend and a complaint will be filed. 
The amount Disputed {$3.00}, XXXX Please assist with this detrimental financial theft because I am not responsible for the theft. 
Thank you. 
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 2023-08-28
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX of XXXX my wife opened an online premium saving account with PenFed bank. I was added as joint owner of the account the same month through a process outlined in a branch by one of the tellers. In XX/XX/XXXX I began having issues with accessing the joint account online. At times the account would not show as one of my accounts with the bank. Other times the account would be reflected, but I could not make transfers or access the money. I was told that the process had not been completed correctly by staff and would be remedied immediately. Still, the problem persisted. I called and spoke with representatives numerous times between XX/XX/XXXX - XXXX, XXXX and each time I was assured that this was a technical error that would be remedied within 24 hours. As of XX/XX/XXXX this issue still has not been resolved. I have directed PenFed to wire the contents of this account to another financial institution.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was a victim of Identity Theft and I am a victim of Identity theft and I have been requesting that the items I am disputinbe deleted from my Credt report in accordance with the FCRA section 605b. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-17
Company: FORD MOTOR CREDIT CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Today on XX/XX/2018 I had returned a call from XXXX XXXX who claimed they wanted to help me with my default payments. When I called they hassled me to try to get family to lend me the money, telling me to " swallow my pride and ask to borrow some money '', threatened repossession, wage garnishment, and a potential lawsuit. When asked if they were planning to do these things, or if they were idle threats, the question was avoided. I explained that I had stopped making car payments because I had gotten into a car accident and all of my money ended up having to go to living expenses because of it. I also explained to them that I am only just now being reimbursed for missed wages and damages due to the accident and that I would be able to get them the majority of the money I owe them by the end of the week. I also explained that the majority of my next paycheck would be able to go to the remaining defaulted balance. They insisted that they needed it in full today or that they would send it to their national recollection department and that they " might '' garnish my wages, repossess the car, or file a lawsuit. The man did not curse at me, but continued to threaten me instead of help so I hung up on him. He has also called my father stating that he was just trying to help sort things out but at the end of the day, that wasn't the case, he just called to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: CT
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAUS is required to remove any inquiry not later than 4 business days after the receipt. Also, the information provided on some inquiry is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/2022.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, TransUnion, XXXX. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and Transunion and Account # XXXX to XXXX. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly.

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
For the past 6 months my financial institution ( XXXX XXXX XXXX ) and I have been trying to settle an issue with Equifax regarding my credit reporting. I have contacted Equifax numerous times and got my personal information verified and straightened out but I simply do not have a credit file with Equifax. My financial institution confirmed with Equifax that everything is being reported correctly but is being reported to another consumer under my SSN. Equifax confirmed this error with my financial institution and have not taken any neccessary steps to alleviate this issue. This issue has been going on for the past 5-6 years with out me realizing it. I have confirmed with the other two bureau 's that my SSN is not being used for anything other than the loans I've taken out because I can see those credit reports just not the Equifax report since there is nothing in it due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: MI
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 3 PAID collection accounts on my Equifax credit report from XX/XX/2019, for XXXX XXXX XXXX. ( paid receipt uploaded ) I notified all 3 bureaus, XXXX, XXXX, and Equifax by certified registered mail with a copy of my driver 's license, social security card along with the receipt from XXXX XXXX XXXX showing the accounts totaling {$170.00} were in fact paid in full. XXXX  & XXXX deleted these paid accounts IMMEDIATELY. Well within 2 weeks. Equifax REFUSES to remove these accounts and they have given me every excuse under the sun. I filed a complaint with the Ohio Attorney General 's office against XXXX XXXX XXXX because their offices are in Ohio to get these paid collections removed from my Equifax credit file. 

I received a phone call today from the Attorney Generals office today ( XX/XX/2019 ) they advised me after their investigation that XXXX XXXX has been PAID and they have no further action or interest with me. They advised me to file a complaint against Equifax with the Michigan Attorney General 's office for assistance. Being that XXXX & XXXX has removed the items shows that XXXX XXXX has no further interest and Equifax needs to follow suit. 

I am filing a complaint with the Michigan AG 's office as well as retaining my personal attorney XXXX XXXX XXXX to pursue legal litigation against Equifax for damages to my credit report. I have spent hundreds of dollars in certified letters, online complaints, postage not to mention my time and frustration and I am on Social Security XXXX and live on {$1300.00} a month. 

Equifax is damaging me with these 3 paid collections impacting my credit score severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent Diversified Consultant a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. Diversified Consultant Responded by sending me Itemized list of alleged charges they claim I owe and not what I ask to validate the debt. Diversified Consultant sent me a letter claiming they contacted the creditor and confirmed the data is correct. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. In my validation of debt letter with this company I ask for specific. The amount of debt ; Please provide me a verification of judgement if any ; Proof that they are licensed to collect debts in my state, and other specifics they could not or would not provide. I also notice Diversified Consultant was still reporting a collection on my credit report with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I called this company again to complain that this collection does not look like its mine but that continue to give me the run around. I have documented all conversation and my letters I have sent them and the credit bureaus. If this company continues to report this miss leading information than will leave me no choice but to seek legal advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: PA
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 previously filed a complaint here about issues with PayPal Credit & that we are no longer able to allocate how our payments are applied to our balance without having to contact the company every month, about each payment. PayPal dismissed the complaint and claimed that it was never possible to choose how payments were allocated on their site. However, as someone who has been a long term customer I know this to be false. 

My new complaint is about the resulting problems from the need to contact PayPal regarding allocations every month and the information which then is available/shown on our account. 

After being forced to contact PayPal each and every month about allocation of payments, usually so I can have them put toward special financing purchases, I have found that the requested changes - ie. where the money is allocated on the account, the accurate amount still due on special financing purchases and the account balance overall- is not being shown accurately. I made XXXX payments this month toward a special financing purchase ( XXXX for {$100.00} and XXXX for {$32.00} ), and contacted PayPal to have them allocated but the remaining balance for the special financing purchase still says over {$300.00} on my account. Its as if I have made no payment at all. 

When I contacted PayPal about this I was told that it can be XXXX billing cycles, meaning months, for the information to post properly! This is not acceptable. PayPal expects payments on time. We as customers are entitled to accurate and current information in regard to our account. We should not have to wait several months to see payments post and have to estimate what the balance is in the meantime. By not updating our account balance promptly we are being given inaccurate information and our credit report may be suffering as well. I have an accounting degree. I have done computerized accounting. Its not difficult to change how payments are calculated on an account. CFPB should require PayPal to display current balances that are accurate based upon all payments made and allocated as requested.

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