BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 1 ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened date XX/XX/XXXX Balance {$260.00} 2 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} 3 ) XXXX XXXX XXXX Account # XXXX Amount {$200.00} '' 4 ) XXXX XXXX XXXX XXXX  Account # XXXX Amount {$160.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$130.00} 6 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$120.00} 7 ) XXXX XXXX # XXXX Amount {$43.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
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:
Account on my report I do not recognize XXXX XXXX XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: DISCOVER BANK
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 have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX I took out a loan with XXXX XXXX XXXX XXXX and paid a payment in XX/XX/XXXX but could n't make another. It was put into collections and I called and asked if I paid off settlement amount would the negative item be removed from my credit report and they said yes no problem. So I made a settlement amount and it is still listed on my report which I have done several disputes and called them to get it removed and every time I call they say a different story from yes it will be taken off but give it 60 days. That did n't happen and then called again and was told they do n't do that. I have fought with this creditor and credit bureaus and gotten no where. This account was paid and I only did that after I was told it would be removed. I have nothing else I can do and I am tired of fighting this is my last option. The payment status says paid in full but I want it removed like they told me to get the payment

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 2022-02-09
Company: Allegiant Capital Recovery LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022, a text message from XXXX messaged me with the information included in the attached screenshot. This is not a number or company I am familiar with and I am NOT the intended recipient ( I do not share a similar name with the intended recipient and I have no business with any related parties ). The included PII should not have been shared with me so freely, especially without any requirement for me to authorize my identity ( which would have not provided me access to the PII ) and seems incredibly unprofessional and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recieved a letter I'm mail on XX/XX/XXXX about a card I never applied for through Kohl's.I have an unauthorized inquiry on my XXXX credit report.i have asked kohls to remove this inquiry to no avail. The last 4 of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
We ( my wife and I ) have both completed the opt-out at XXXX XXXX XXXX/ over 90 days ago yet Capital One keeps sending us credit card offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX and refused to return my w2. 
Fifth third bank is running a remortgage scam Tells of approval to recive non refundable deposit Has no intention to remortgage Just ask for the same information many times and wait over 6 months to find a new problem or you become frustrated and quit trying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, I returned merchandise to Macys that was originally purchased with a Visa. Despite using a different credit card, Macys posted the returns to my Macys credit card. This resulted in over {$1200.00} in excess monies posted to my Macys account. On XX/XX/XXXX, I called their customer service dept to request a refund check. I was told that if I provided my bank account number it would be faster and would only take 3-5 business days. I called again on XX/XX/XXXX, and was told it would be deposited on XX/XX/XXXX. I expressed that I was leaving out of the country and needed that deposit for my mortgage. Upon my return, I saw that there was no deposit. I called on XX/XX/XXXX and was told that the refund was not approved and they would process the deposit in 20 days. After speaking to a supervisor, I was told a deposit would be made that week. I called again on XX/XX/XXXX and was told a CHECK was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received my money. This has caused my XXXX mortgage to be late and now XXXX. I am currently unemployed and looking for a job in accounting. My credit report is always taken into consideration during the application and background check. Macys unscrupulous and unethical practices are causing me financial hardship, stress, credit reporting concerns with my mortgage and other bills, and risk of not passing my background check for employment. Macys is very quick to post charges to my credit cards and issue late fees for late payments but is holding my money and continues to lie to me.

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 2018-01-02
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS. 

In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts. 

It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act. 

DELETE these erroneous accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
XXXX, XXXX XXXX Last Four of social : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Experian is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. Since Experian has refused to take care of the problem I expect you, XXXX XXXX XXXX to uphold the law and delete these accounts in the letter below promptly. 

Best Regards, 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 explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Sep 01, 2019 and the subsequent response received on Sep 30, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed 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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
IM WRITING IN REGARDS TO THESE UNKNOWN ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT A DISPUTE 30 DAYS AGO TO NO AVAIL AND IVE SENT IT CERTIFIED AS WELL WITH A RETURN SLIP DELETE ALL ACCOUNTS DISPUTED BELOW

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 2017-07-26
Company: EQUIFAX, INC.
State: MS
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:
They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: AES/PHEAA
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I  GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX DEGREE IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS.
5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE ALABAMA XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT.
8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Medical Business Bureau concerning a past due medical bill. I paid a settlment ammount then instructed this company to please report this as paid in full to the credit bureaus. Instead they reported a lesser amount resulting in this paid bill remaining on my reports. Today is XX/XX/XXXX 2017 this was paid 6-8 weeks ago. I 've contacted this company to report this correctly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
LoanCare took a double payment for my mortgage back in XX/XX/XXXX. They then lost the payment and reported me late in XX/XX/XXXX. I opened an investigation and results were inconclusive and left me showing a late payment ever since. I have since resolved the matter on my own, to my own satisfaction, by applying for a modification to being the account current and make the payments more affordable. 

XXXX XXXX, the person handling the matter through loancare agreed to remove all delinquent payments from my credit report. Most were removed, but not all.

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Ive submitted a dispute 5 times to the credit bureaus. They have a company XXXX XXXX showing a late payment for XX/XX/XXXX & XX/XX/XXXX. Ive submitted the dispute in the mail twice with a letter from the company showing it was never paid late. I submitted a dispute twice online. I also faxed in my dispute. Each dispute was denied even though I submitted documentation from XXXX XXXX showing the account was never paid late and the credit bureau still wont remove the late payments. This is preventing me from buying a home for my family.

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 2022-02-09
Company: PNC Bank N.A.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
We have tried for 2 days to file a financial hardship extension due to Covid. We spent several hours both days XXXX XXXX XXXX  XXXX, 2022 trying to file a hardship. Its been exhausting. They kept saying they couldnt file it. We banked our loan with BBVA and they sold it to PNC without our permission. We were always able to deal with BBVA, but now its with PNC online banking we cant get anything done. We have been denied to talk with an executive who can make decisions. Their process to talk with a representative is nonexistent.We are still in a pandemic due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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: Investigation took more than 30 days

Complaint:
1. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation