BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Mercury Technologies, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I submitted an online banking application with this company. 
I asked their account representatives multiple times about their " account is for operational purposes only '' stipulation and I received the below response. 
" XXXX XXXX, The examples you've provided could be considered operational purposes, however, we always recommend reviewing our terms if you aren't sure about any of these details : XXXX XXXX XXXX To answer your original question, we don't yet offer a sustainability report, however, I'm happy to relay this request back to the team for consideration. 

Let me know if you have further questions, XXXX '' I proceeded with the application and was later denied to open the bank account. When I asked that my data ( pictures, license, business documents ) be deleted from their database, they refused. When I asked why I was denied the account, no direct reason was given. 

It is my belief that this company is collecting as much personal and professional data on unsuspecting startups and their founders with no real process for determining legitimate companies and being upfront and truthful about their criteria for account application approval. I've read ALL their terms and don't see any reason why my application was denied and since I'm NOT their customer, why won't they delete my data. ALL the banking regulations they are quoting refers to " customers '' of the banks, not applicants for services and accounts. 

ALL I want is for them to delete my private and confidential information. Another bank I applied with when ahead and deleted my information when it was determined it wasn't a good fit for my business. Many thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - This is paid as agreed and should not be reporting negatively on my report. As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please update late payment all payment was made on time Please remove it from my credit report

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 2017-09-20
Company: First National Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the process of buying a home and credit report was pulled and XXXX XXXX XXXX was on there from XXXX XXXX. Account has been showing delinquent and not paid however I can not remember ever having this account. Account showing with XXXX XXXX XXXX on all three credit bureau but different last payment dates. I attempted to contact XXXX XXXX at XXXX to verify debt and spoke with XXXX XXXX at XXXX on XXXX/XXXX/XXXX. He informed me that my acct was closed as of XXXX and transferred to a collection agency First National Collections. He could not help me any farther with this debt. That is inaccurate information reporting on my credit report as it shows XXXX XXXX however, it should show on my credit report who I need to contact to verify and validate this debt or make payments. If XXXX XXXX no longer has my records then this contract is voided and I need proof of my contract with First National Collections. I am requesting a verified agreement and signature and update to my credit bureaus with correct information. If verification and validation can not be supplied I am requesting deletion from ALL three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had problems with identity theft and forgery, I have contacted all 3 credit bureaus and let them know about the problem I have been having. Equifax will NOT remove this fraudulent account off my credit report and i have reached out to them and the creditor twice regarding this account. The other bureaus have blocked this information from my credit report. The company has failed to comply with the Fair Credit Reporting Act regarding identity theft. This has been an on going issue and it is causing me a lot of pain and suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 2020-07-10
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: Information belongs to someone else

Complaint:
I contacted Equifax Credit reporting agency back in XXXX, I notified them about a incorrect hard inquiry on my credit report. I placed a freeze on my credit and included a fraud alert. They refuse to contact the company XXXX XXXX to resolve the issue. I contacted Equifax three times. I keep getting a run around and incorrect dispute filings on behalf of the representatives. This is unfair business practices. I also spoke directly with XXXX XXXX that the inquiry was not made by me. I was notified that they had a different address and phone number, and it is indeed fraudulent activity. I shared this information with Equifax and they refuse to do anything to assist, even contacting the creditor. This seems to be a very unfair practice by Equifax, as other credit bureaus do not have this item listed on my report. I was directed by the Federal Trade Commission to report this action by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: TX
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 is an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX Balance : {$85000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon as possible.

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 2023-02-08
Company: EQUIFAX, 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:
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 alleged fraud or extortion. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX 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 2023-01-19
Company: EQUIFAX, 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:
My name is XXXX XXXX this 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX 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 2018-08-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit card for XXXX XXXX XXXX from Citibank N.A. which was approved. I received said card by U.S. Post with ; NO ACTIVATION REQUIRED! 

This card, tied to MY Credit History was allowed to be handled by countless people, ACTIVATED! 

This Practice Has Got To Be STOP. 
Protect Consumer indenty and credit. 

I closed acct.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: CA
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:
JP Morgan Chase Bank , N.A . is incorrectly reporting a XXXX  days late payment on my credit reports ( to all three credit bureaus ) since XX/XX/2022. This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( XXXX  years ). You can also see the error which is the late payment report by JP Morgan Chase Bank , N.A . for XX/XX/2022. 

According to the Fair Credit Reporting Act, JP Morgan Chase Bank XXXX should remove incorrect and inaccurate information from my credit report. I have contacted JP Morgan Chase Bank, XXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XX/XX/2022, the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX  XXXX  daughter massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$17.00} ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX XXXX XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) that took me to Synchrony Bank Application XXXX https : //etail.mysynchrony.com/eapply/eapply.action ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX score on the date of application was XXXX XXXX from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of XXXX XXXX. 

On XXXX XX/XX/2020 I received the Synchrony Bank credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by XXXX XXXX. 

I tried to contact XXXX XXXX via their telephone unsuccessfully. I tried to obtain my credit report via their website XXXX XXXX XXXX XXXX XXXX and was not able to via the reference numbers of the Synchrony Bank credit rejection letter.  XXXX XXXX was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as Synchrony Bank as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that Synchrony Bank uses the outstanding balances as a revenue source and that I would not be revenue source. 

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I saw a few inquiries which never belong to me. Please remove them from my credit report.

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 2018-08-27
Company: CARD Corporation
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I loaded my card through XXXX XXXX for the amount of XXXX dollars. I have never received the money from card.com. I have have called both XXXX XXXX and card.com and the issue has not been resolved. I do have a tracking number and verification that the money has been received to card.com from XXXX XXXX, they still will not refund or explain where my money is. They continue to tell me in 48 hours I will have a resolution and it's been sent to escalations but absolutely no follow ups and my money is still missing. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: REGIONS FINANCIAL CORPORATION
State: SC
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:
Upon selling our home, Regions XXXX accepted {$6000.00} toward the 2nd mortgage/Home Equity Loan when our house sold. The remaining balance we owed was converted into a personal loan, in which we agreed to pay {$25000.00}. This loan promissory note was signed on XX/XX/2018 ; however, the loan was not property processed and was lost. My wife and I made multiple attempts to pay the monthly agreed-upon payment amount of {$210.00} ; however, Regions Bank refused to take our money and stated they did not have a loan for us. Shortly thereafter, we started receiving phone calls from Attorney 's office about the balance due. After contacting 3 different attorney 's offices ( who we were told had received the documentation ) as well as speaking with XXXX XXXX, Manager of Region Collections/Mitigation, he was able to obtain the account back from the assigned attorney 's office ( we still do not know who received the bill ). However, they have not reported the correct amount as well as the correct account number to the Credit Bureau 's on our behalf. We have paid over {$10000.00} toward our agreed-upon balance of {$25000.00} ; however, the credit bureau shows our balance as {$52000.00} AND that this amount is a " charge off. ''

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 2018-08-27
Company: Experian Information Solutions Inc.
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:
Two XXXX Card accounts reporting to my credit Bureau 's?

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