BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: IL
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 have been trying to resolve my Membership issue with Experian for the past 4 months. I provided them with everything they asked for, i even uploaded a copy of my Drivers License. They mixed up my personal information with someone else 's personal information, because of that i am unable to access my Membership account. The verification questions that i am asked is mixed up with someone else 's personal information. I called them several times, talked to several agents and a couple of supervisors and even to the escalation department to get this issue fixed nothing but apologies & empty promises. They verified that they made a mistake and mixed up my personal information up with someone else, they just keep telling me to wait 24, 48 or 72 hours every time i call them so that they can fix the issue. If there are hungry hyenas on one side and Experian employees on the other i would take my chances with the hungry hyenas. Since i am unable to access my Membership to monitor my score & report on Experian they advised me to try XXXX to get the report, I took their advice, went to XXXX but it too was unable to access Experian 's credit report and score. There is no freeze on my Experian 's credit. The reason i want to keep on top of all three credit bureaus is because i was a victim of XXXX  's data breach. I have no problem with the other two credit bureaus, i am able to login and monitor both my XXXX  & XXXX  's scores and reports.

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 2022-10-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM VICTORIA SECRET AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! Victoria secret, XXXX XXXX XXXX AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hired LexingtonLaw to mediate and help fix my credit due to wanting to purchase a rent to own home as well as establish an installment auto loan. Ive had extensive good credit history being my first credit account was established at the age of XXXX. LexingtonLaw charged me XXXX and my score has decreased 80 points. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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 have accounts reporting on my credit file that do not belong to me. This includes the XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Two fraudulent charges were made to my XXXX debit card. These fraudulent charges were from 2 XXXX orders in XXXX XXXX, CA on XX/XX/2020 and XX/XX/2020, totaling {$160.00}. I have never been to XXXX XXXX. I called in twice to Bank of America by dialing the number on the back of card ; I have not been able to reach anybody from the Claims Department that can help me dispute these charges and get my money back. I have checked all of my past orders from XXXX  to make sure that I was not mistaken, and I am able to confirm that the 2 charges need to be disputed. They DO NOT MATCH UP to what I have in my order history.

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 2018-09-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX   and XXXX XXXX XXXX in XXXX  ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX  and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX  due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX  XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX   dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX  he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good morning, We keep getting calls from a company with the name of Convergent XXXX which is a debt collection agency. The residents in our home don't have any old debt. They call daily, 2 and 3 times a day. Sometimes when we say Hello, the caller hangs up. Other times they ask for one of us using a name and when I ask what is this about and how can I help you, they hang up on me. One time I requested they send proof of this debt they claim we have and they hung up. I received a call this morning at around XXXX XXXX and the same thing happened when I asked how can I help them they hung up on me. I checked our credit reports just in case there was something on them that is making this company call us daily and our credit reports are clean and in very good standing. 

Please help, these calls are annoying. PLEASE DO GIVE THIS COMPANY ANY OF MY INFORMATION. THEY HAVE MY TELEPHONE NUMBER THEY CAN LOOK UP THEIR RECORDS WITH THE TELEPHONE NUMBER. 

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 explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/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 2023-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery has been harassing me, they refused to send the contracts I supposedly signed and theyve been calling me after I told them not too, which violates federal debt collection practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Account status incorrect

Complaint:
For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below.. 

XXXX XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. 

US Dept. of Education Account number : XXXX There are different monthly payments across the XXXX credit bureaus. Equifax monthly payment states {$470.00}. XXXX and XXXX states {$0.00}. 

XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX  date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: VA
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:
XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, this company 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 an account without my written instructions.15 USC 1681n ( a ) ( 1 ) ( a ) and 15 USC 1681o ( a ) ( 1 ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX postal mail XX/XX/2022, XXXX 2022 and XXXX 2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.

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 2019-07-17
Company: Experian Information Solutions 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:
XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize

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 2021-03-05
Company: FIRSTBANK PUERTO RICO
State: PA
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 have a police report XX/XX/XXXX, XXXX  and XXXX is reporting a fraudulent account by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my XXXX Fraud account

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION FAIL TO INVESTIGATE MY DISPUTE

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 2021-03-05
Company: EQUIFAX, INC.
State: PA
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 have a police report XX/XX/XXXX, XXXX  and Equifax is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: OneMain Finance Corporation
State: IL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN XXXX Balance {$14000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM SO ANGRY WITH THE CAPITAL ONE COMPANY FOR THEIR CUSTOMER SERVICE, AND THE TREATMENT THEY HAVE GIVEN ME AS AN IDENTITY THEFT VICTIM. THEY REFUSE TO ACCEPT MY FTC REPORT AND POLICE REPORT. I HAVE CONTACTED THEM NUMEROUS TIMES, WASTING SO MUCH OF MY WORK TIME, GIVING ME STRESS AND ANXIETY WITH THEIR EMPLOYEES, WHO PROMISE ONE THING AND DO ANOTHER. I HAVE EXPLAINED MANY TIMES, I AM NOT RESPONSIBLE FOR THIS ACCOUNT, THEY HAVE NO VALID EVIDENCE THAT THIS IS MY CREDIT CARD AND I AM THE ONE WHO USED IT. THERE IS ALSO A XXXX CHARGE THAT WAS APPLIED AND I DO NOT HAVE ANY XXXX TO MAKE ANY KIND OF PURCHASE. THEY REFUSE TO REMOVE THIS ACCOUNT FROM COLLECTIONS AND THE LAWYERS OFFICE. THIS IS MY LAST CHANCE IM GIVING TO THEM TO REMOVE THIS ACCOUNT IMMEDIATELY. I AM NOT WAITING ANY LONGER FOR THIS, AND I AM GOING TO FILE A LAWSUIT AGAINST THEM IF THEY DO NOT RESOLVE THIS CASE, FOR GIVING ME SO MUCH STRESS AND ANXIETY OVER THIS. THEY REFUSE TO GIVE ME ANY SUPPORTING EVIDENCE ON WHY THEY ARE MAKING THE CLAIM THAT THIS IS MY ACCOUNT. THIS IS BY FAR THE WORST COMPANY I HAVE EVER SEEN, THE WORST CUSTOMER SERVICE I HAVE EVER HAD EXPERIENCE WITH. I DO NOT DESERVE TO BE TREATED THIS WAY AS A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I have contacted XXXX and filed several disputes about all the inaccuracies on my report. There are inaccuracies in the date opened, date last reported, date last active and date of last payment. This should be removed due to all these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Convergent Resources, Inc.
State: MI
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 filed two disputes with XXXX. Informed XXXX that accounts do not belong to me, they were originally opened when i was not of legal age and I could not have a phone in my name at that time

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 2021-02-24
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:
Dear Sir/ Madam, Between the years of XXXX & XXXX, I filled over 14 complaints against Experian Credit reporting agency . 
Experian obtained it's consumer information from a third party vendor XXXX XXXX XXXX XXXX. 

According to the FCRA LAW, public information shouldn't be furnished from a third party vendor, it has to be from the direct contact of source, which in my case from the Bankruptcy Court, Experian had not done so, yet insisted on creating lies and fraud of information. 
This is a complaint number that was closed XXXX XXXX ) indicated all the correct information about Experian scam of information. 
I personally have contacted the Bankruptcy court of XXXX New Jersey to find out if the court has any affiliation with Experian or any agency to furnish public information, I was told that the court does not have any affiliation of any credit agency what so ever, I proved that to the CFPB and to Experian by a direct letter/document from the BK court. 

XXXX XXXX was contacted by me, The removed the public information from their records, they proved that Experian credit agency purchased my public record fromXX/XX/XXXX( a Third part vendor ) and furnised it claiming that they obtained it directly from the BK court, which was a big scam and a big Lie. Experian still continues to violate the FCRA and must be stopped. 

I am contacting the CFPB to enforce Experian to remove the public information from my credit report ASAP immediately.

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