BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had requested from Credit management Company to provide me with legal validation on the alleged claims that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with Credit management Company. I made this request in writing sent via certified mail return receipt to Credit management. to this date I have received no response from the company only that XXXX states they have verified the debt. I had request from XXXX the information the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed these account to which I have no account numbers for only a dollar amount of XXXX and XXXX with all three of the CRA XXXX and XXXX  have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX   credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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, XXXX XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was hacked some how. I called as soon as I saw it was not my transactions. It was with XXXX. I didn't even know what that is. The person was able to get {$250.00} out by the time I stopped it. I had to open a new checking account etc. I've waited almost 2 weeks for Chase to get back to me. I got a letter today saying after their investigations they say the amount was authorized. I DID NOT authorize whom ever this is. I have NO idea how someone could even get in my account. I've called again to complain and they say they will look into it again but acting like nothing will change. I do not have money and this is a huge amount to me. I have bills to pay. They haven't told me how it happened or anything. I need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I received a U.S. Bank ReliaCard. I knew that I hadnt applied for this card nor do I have an account with this bank. After doing some investigating, I believe this card was sent to me because someone applied for unemployment benefits in my name. Im not unemployed. I tried calling the number associated with the card and the number is inoperable. This needs to be investigated and fixed.

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 2020-06-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Trying to connect my PNC account connected to XXXX, There has been problems in the past connecting to other third party apps like XXXX, XXXX. ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 following accounts : XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CITIBANK, N.A.
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:
I paid my XXXX  account which was paid XXXX $ minimum payment on XX/XX/ 2022. XXXX XXXX  did not try to process the account until two weeks later which resulted in my account being a month past due.

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 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX  responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.

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 2023-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 following accounts : XXXX XXXX Account # XXXX, has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID XXXX XXXX AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I booked a flight to Hawaii through XXXX XXXX. Upon checking out, I was offered a XXXX credit if I applied for an XXXX XXXX credit card. I applied for the card, but did not see my XXXX credit after 90 days and after I spent over XXXX. I called the card company on XX/XX/XXXX and spoke to XXXX who registered an inquiry. On XX/XX/XXXX, I received a letter with instructions to call to discuss my case. Upon calling the credit card company, I learned that I had inadvertently opted for a no annual fee, so I did not qualify for the XXXX credit. I was not aware that I had to chose between the two because I would have obviously opted for the XXXX credit.My complaint is that the offer was ambiguous and deceptive. I never would have applied for the card if I wasn't getting a XXXX credit. The amount of time I have wasted plus the frustration has made this a very unpleasant experience.

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 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CapitalOne opened a credit card in my name XXXX XXXX, XXXX. I never received the card. It 's never been used. I ca n't log into online banking,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: TN
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 came to because the credit company failure to follow the law,15 U.S.C 1681i ( a ) Reinvestigate of disputed ( I ) Reinvestigation information " Notice is of results of reinvestigate ( A ) In general a consumer reporting agency shall provide written notice of the results of a reinvestigation the company Experian failure to follow this law.

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 2020-06-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank keeps blocking access to connect my bank account to mobile apps. This is very frustrating as these are valid, safe, financial apps that I need to use to help manage my money and obtain loans and other money services. 

PNC Bank keeps blocking access to connect my checking account to these apps due to security purposes ( which I understand ) but this is our choice and our decision to use these apps on our phones. 

I called PNC Bank and they explained how its part of their security processes but they need to have an option available to where we can contact them and say - " Hey, this app is safe and it is my decision to allow my checking account to connect to this app ''!! 

Quit block access to use these apps on our phones. This is very frustrating as I need to have this option available to me. If you continue to block app access to connect my checking account, I will be forced to close my accounts with PNC Bank and take my business elsewhere to a bank that will allow this. 

My apps that I use include - XXXX and XXXX - which I have had connected to my bank account for sometime now. I then changed my password to online access with PNC Bank and it disconnected these apps. So when I go to reconnect the apps and connect PNC Bank account using the new password, it keeps saying that - " PNC Bank has made a change that prevents you from being able to link your accounts ''. 

PNC Bank, Quit Doing This!!!!! Please give us access to allow these apps to connet to our accounts if we choose to have this happen. Give us the option to allow or block certain apps. 

I have contacted these app companies directly to see if there is a way to manually connect my checking account using the routing and account number and the only way to do it is by linking directly with no options to connect manually. 

I will continue to complain and voice my concerns over this because this should be the customer 's decision, not the banks. 

STOP BLOCKING ACCESS TO APPS!! I am so frustrated with this. I have money that is transferred from these apps to my checking account and these apps automatically hit my account for payments to pay them back for these advances and loans that I get with them. If you constantly block them, I have no way to pay these loans or advances back. 

STOP DOING THIS PNC BANK!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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: Personal information incorrect

Complaint:
I have sent several requests to Experian, XXXX  and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

Experian - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-03-29
Company: Eagle Accounts Group, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX2 ) XX/XX/XXXX -AMOUNT {$1800.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX END OF ACCOUNTS : INQUIRIES : 1 ) XX/XX/XXXX- DATE OPENEDXX/XX/XXXX 2 ) XX/XX/XXXX-DATE OPENED XX/XX/XXXX 3 ) XX/XX/XXXX -DATE OPENED XX/XX/XXXX 4 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX - DATE OPENED XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 7 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 8 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 9 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 10 )XX/XX/XXXX - DATE OPENED XX/XX/XXXX 11 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 12 )XX/XX/XXXX- DATE OPENED XX/XX/XXXX 13 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX15 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX16 ) XXXX XXXX XXXX XXXX  - DATE OPNEDXX/XX/XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX - DATE OPENEDXX/XX/XXXX19 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX20 ) XX/XX/XXXX- DATE OPED XX/XX/XXXXXX/XX/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 2020-09-10
Company: Westlake Services, LLC
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:
The XXXX XXXX XXXX was paid in full. I provided that information to XXXX, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to XXXX, XXXX, and XXXX. To date the Westlake Financial account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off Westlake Financial. Can someone help me fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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:
The XXXX XXXX XXXX  was paid in full. I provided that information to Experian, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to Experian, XXXX, and XXXX. To date the XXXX XXXX account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off XXXX XXXX. Can someone help me fix this issue.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX/XXXX  XXXX wrong status INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XX/XX/2018 unauthorized CAP XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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