BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MT
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 contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX  and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXX XXXX  has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX  reported in the Equifax report is Account Number is XXXX. I contacted XXXX XXXX XXXX  to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of 1st Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to XXXX XXXX XXXX  was opened XX/XX/XXXX with the last payment reported asXXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. Ifthey can not the account is to be deleted from the consumers report. This report has many mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SYNCHRONY FINANCIAL
State: NY
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'm a member of Amazon Prime through a family member and wanted to take advantage of the 5 % cash back rewards card Amazon was offering. Since I am not directly a XXXX XXXX, I called Amazon on XX/XX/XXXX, XXXX around XXXX and spoke to XXXX from Amazons customer service department to confirm if I would still get the full benefits ( 5 % cash back rewards ). I was assured that if I received the benefits of Amazon XXXX ( such as free shipping ), then I would be eligible for the 5 %. Based on the information received from that call, my concerns were satisfied that I would receive the full 5 % cash back so I opened the credit card. 
On XX/XX/XXXX, I registered my credit card account online and found that I would only receive the 3 %. I called Synchrony Bank who put me in touch with Amazon, who I was told handled the rewards aspect of the card. After speaking with customer service, I was told that I was an " invited guest '' and would not be eligible for the 5 %. 
Had I known I would only get the 3 % rewards, I would not have opened up the credit card, which impacted my credit score. Given that I called specifically to confirm my rewards eligibility, I can't help but feel like this was a bait and switch by Amazon to entice people to sign up for their credit card. 

I asked to speak with a manager and was told they would return my call that day ( the XXXX ). Today, Friday the XXXX, I called back after hearing nothing and spoke with a manager ( XXXX ). I was definitively told Amazon would not be able to grant me the 5 % unless I was a paying 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 monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Company is not licensed to collect a debt in my state. I do not contract with this company and am not obligated to any repayment or alleged collection. Remove the following accounts from my consumer credit report and block them from accessing my private information. These accounts have caused me serious injury to my person and has caused me to suffer severe financial loss. Cease and Desist the reporting of the following accounts within four 4 days as per outlined within the FCRA guidelines, specifically 605B : BLOCK AND DELETE. 

XXXX XXXX XXXX Opened XX/XX/2022 XXXX XXXX XXXX Opened XX/XX/2022 Misuse of my consumer profile is considered identity theft and harassment. I appreciate your swift response and remedy to my credit profile within 5 business days from receipt of this complaint. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( Credit Clearing House of America ) at ( po box XXXX XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$75.00} ) the collection opened XXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
Based on the documentation from XXXX XXXX which states, If you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match bankruptcy information to consumer credit files for Equifax. Equifax performs this matching. 
Please explain how your company adheres to, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy court to verify, update, correct, or modify the bankruptcy listed on my credit report is accurate? 
I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did a representative of your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? 
Please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that XXXX XXXX used? Can your Consumer Reporting Agency modify the information in the State, Federal or Public records related to the bankruptcy?

Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency. Please advise why they are listed as a furnisher on my credit report when they dont provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
had a loan with Wells Fargo tried XXXX XXXX to modify the loan. loan amounts were never right. I ended up short selling my home Was told that I made a profit and owe the IRS. Wells Fargo tax information does not show and I never had gotten. closing g statement from Wells Fargo I did from the realtor. I have been trying to get the information but have not had any luck. from Wells Fargo and in the mean time I can't fix my IRS debt as of today of 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 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.XXXX  credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since XXXX. I demand this information be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my nane is XXXX XXXX XXXX i'm part of the hamp program. my lender phh mortgage services shows no record of the hamp payment to my loan this year of {$5000.00}!!!! That's called mortgage fraud!!!!!! my loan # is XXXX my phone # is XXXX please leave a message if i don't answer. i sleep most days and am up overnight. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PENTAGON FCU Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$10000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 states : A consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-06
Company: PNC Bank N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i received a late notice on XX/XX/2022 regarding an account with PNC bank that i do not have. They claim a total late amount due of {$130.00} for account number XXXX they have now created a negative impact on my credit and claim i am past due on an account i did not authorize or have anything to do with. need my credit fixed and all affiliation removed from pnc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please have LVNVFUNDING LLC cease and desist all collection activities until you can properly validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AR
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 am submitting my complaint once again, after I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following inaccurate items on my file needs to be remove immediately 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 2022-01-08
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call indicating that I owed a debt that was paid two years ago. I had to check my records to validate the payment. I tried to contact the company again ( within 30 minutes of checking ) and the phone number was fictitious. I then tried to check the website and it was fake as well. I reported the incident to the FTC and then thirty days later I received a bill from Jefferson Capital indicating that I still owed this debt that was paid off. the bill is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Bennett Law PLLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Bennette and associates are calling threatening to sue for a debt that clearly is unknown or owed They gave me this case or reference number XXXX Their address is XXXX XXXX XXXX XXXX ca XXXX The agents were very rude they called my husband and did not allow him to ask certain questions anytime he asked them to stop calling us they tried to over talk him so that his request did not get recorded. The guy name was XXXX he's a fast talker and very rude

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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

Complaint:
Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Account number XXXX XXXX {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX Account number XXXX XXXX {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.

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