BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
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: Information belongs to someone else

Complaint:
I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to XXXX5 USC 1681b ( a ) ( 2 ). The following accounts and inquiries were placed on my credit report unlawfully and without my consent Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX- XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX- XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXXXXXX XXXX 12. XXXX XXXX XXXX- XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: SYNCHRONY FINANCIAL
State: MN
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:
I recently signed up for a TJMaxx rewards card. Synchrony Bank is the issuer. I finally got my card and paid my bill of {$17.00} on XX/XX/2023. However, there is a withdrawal on my XXXXXXXX XXXX Checking Account for {$250.00} that Synchrony Bank completed on XX/XX/2023. This was not announced, was completely unauthorised, and they have been impossible to properly contact because they send me back to TJMaxx rewards when the issue is with the bank, not TJMax. I am currently disputing the charge with XXXX XXXX but am not okay with the outright theft that Synchrony Bank committed. It is nowhere in their terms and conditions and they quite literally just stole XXXX XXXX XXXX XXXX XXXX from me. There is no way they can explain it in which this was an accident.

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 2023-07-22
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:
There is an item from XXXX XXXX XXXX that has been appearantly sold to XXXX XXXX XXXX, that does not belong to me. I have reached out several times to ask for validation, but I have never received any type of proper response about the account. I have just did more research on the company and after learning who the creditor is, I realize the account is not mine, beyond a shadow of a doubt, because I have never had this type of credit line issued to me as an individual or an entity which whom I am responsible for in any way shape or form, as I live and breath. 
I do not own any credit line, or credit card issued by the original creditor, nor the collection agency that has purchased the debt owe by the unassociated party who is responsible for the debt, unrelated to me. The original debt has obviously been established by another individual or entity that is identified by a similar descriptive title or name or branding and is not associated or related to me, and is not, in any way shape or form, me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CITIBANK, N.A.
State: CA
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:
Frauding scams using XXXX XXXX  Hospital of  XXXX XXXX Indiana of XXXX county Indiana frauding scams frauding my documents of serial numbered documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all from XXXX county Indiana Then others frauded my documents of my brother documents of XXXX Hospital of XXXX  XXXX Indiana of XXXX county Indiana of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Others frauded my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX Hospital Others frauded my documents using my immazation record XXXX  XXXX XXXX XXXX county Indiana Others frauded my FBI registrations of my XXXX XXXX  career and also frauded scams using XXXX elementary School of XXXX XXXX Indiana of my documents as XXXX XXXX and business Others frauded my documents of XXXX high school as XXXX XXXX in my states Fraud scams using business permits and products and retailers store 's and semi trucks companies and CDLs and resterants franchises using Cole slaw and auto stores frauding scams using XXXX  and then frauding scams using My grandma documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using using XXXX XXXX XXXX married to XXXX XXXX all decest  closed out social security files Others frauded XXXX XXXX married to XXXX XXXX XXXX of XXXX county Indiana and XXXX XXXX of North Carolina

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 2023-07-22
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have never had an account with XXXX. Account number XXXX. I have made numerous contacts to both credit card company and credit bureaus.

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 2023-07-23
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently contacted PNC Bank, XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$700000.00}. PNC Bank response was : 1. ) I was responsible for the SCAM/FRAUD 2. ) PNC Bank refused to apologize for the SCAM/FRAUD 3 . ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4. ) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5. ) PNC did not conduct Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) of my accounts 6. ) PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( This is a Federal Offense ). 7. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity. 
This is also Financial Elder Abuse since I am over XXXX  yrs. old. ( This is a Federal Offense ). PNC Bank is denying that this is Elder Abuse. This is really wrong and the more I contact PNC Bank, the more the bank becomes disorganized and inept in customer service. What really hurts is I was a Valued and Model Customer for almost 10 yrs.at PNC Bank and now the bank is treating me like a Criminal. My Credit Score is ruined and I am being a FRAUD victim by SSA, IRS, Medicare, Social Security and the Credit Reporting Agencies. This is a total mess of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX : {$0.00} XXXX/DOFED XXXX : {$0.00} U SDEPT OF XXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX : {$3600.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$3500.00} DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX : {$3600.00} XXXX ( Original Creditor : 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 2021-12-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several letters to medical data system I concerning debt that i alleged owe. They have dupicate accounts reporting on my credit repot thats not legal. I have asked them to proove these accounts and they still havent yet prooved anythig. I also still havent got updates yet within the last 120 days when it should have only been 30 days by 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 2018-03-07
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I cancelled my XXXX  account and requested a final billing statement. On XX/XX/XXXX, I received a final billing statement for {$140.00}. I made three partial payments : {$40.00} on XX/XX/XXXX ; {$50.00} on XX/XX/XXXX ; and {$50.00} on XX/XX/XXXX which paid the outstanding balance in full. I received no interim or further communications from XXXX. 

On XX/XX/XXXX, I logged back onto my online account and noticed a charge for {$30.00}, but there was no explanation for the charge. I immediately paid the balance, even though I had no idea what the charge was for or why I " owed '' it. All of the equipment that we rented or used was immediately returned to XXXX upon the termination of the contract in XX/XX/XXXX. 

In XX/XX/XXXX, I became aware of a collection debt on my credit report relating to a {$50.00} outstanding debt owed to XXXX/XXXX. The debt was immediately disputed with all 3 credit bureaus and the collection agency ( Diversified Consultants ) and I provided proof of the XX/XX/XXXX bill along with my proofs of payment as well as the additional {$30.00}. As of this writing, Diversified Consultants refuse to remove the debt or provide me with an itemized billing statement explaining the additional {$30.00} and {$50.00} charges. 

I am still able to log into my XXXX account. There are no bills issued after XX/XX/XXXX. The final " bill '' I received on XX/XX/XXXX was simply an email stating that I owed {$140.00}. I have not received any communications ( electronic or written ) that I owed any additional monies other than the initial {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I found fraud activity from XXXX  total of {$2700.00} and one for {$2000.00}. I filed a claim with bank of america. It was fraud! And those amounts taken by me wasn't even XXXX  under my legal name! I found out it was a person name XXXX XXXX. They didn't even investigate or anything if they did they would find out the person who stole my money using my debit card using XXXX  was not me! The bank denied my claims and left my broken and struggling! This is not right! I want what is mine and my money back!

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 2021-12-11
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
I received a " XXXX '' prepaid debit account and card that I never applied for. I did have a fraudulent unemployment claim filed in my name that I reported earlier in the year. The card bank is American express national bank and it has a bank account and routing number associated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax credit reporting agency is not reporting my XXXX credit card account which has a zero  balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
XXXX XXXX listed the negative item on my credit report under another name ( XXXX  XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.

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 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America offered to a small business XXXX XXXX, a C-corporation incorporated in the state of New Jersey XXXX XXXX line of credit for {$92000.00} on XX/XX/XXXX, a product called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX 2 %. Business started using this line of credit as the main source of liquidity, and ended up using the whole limit. With no default of any kind from the business, Bank of America unilaterally and shockingly ceased this line of credit on XX/XX/XXXX ( the Expiration Date ) and converted it in the term loan at much higher rate of 7.5 %. This is an illegal business practice of bait and switch. This conversion killed the liquidity of the business which was started in XXXX and was employing multiple employees in the critical growth stage, and resulted adversely ultimately the closure and dissolution of business in XXXX Business tried to make the payments till XX/XX/XXXX but had no funds left leaving the remainder of {$32000.00}. This loan which was a genuine business bad debt, Bank of America sold on XX/XX/XXXX to an overly aggressive debt collection company XXXX XXXX XXXX XXXX XXXX, XXXX, which sued on XX/XX/XXXX the business and the business owner adding unreasonable legal fees and interest. Because business was closed, the collection company through their law firm XXXX XXXX XXXX XXXX XXXX XXXX went after the real-property of the poor business owner and obtained judgment abusing the legal system and now making the business owner and his children homeless by having a Sherrif sale of his real property on XX/XX/XXXX. It is a highly time sensitive stressful situation which if not immediately intervened and resolved will have irreparable and irreversible damage on the innocent victims.

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 2023-07-20
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Underwriters mis-interpreted a guideline regarding furniture that was being conveyed with the subject property. The addendum with the contract stated that buyer and seller agree that furniture conveys with the property. It was not offered as a concession by the sellers nor was a price stated or requested from the buyer. The seller 's simply did not want to keep the furniture and have to move it. They decided to just sell the house with the furniture in it at no assessed value whatsoever. The Underwriter requested a separate appraisal of all furniture items with pictures and valuations for each last minute, a week before closing. The MLO called the VA directly to confirm if this was needed. The VA guidelines and appraisal department stated, that due to the furniture not being listed or included in the appraisal report, a second appraisal or valuation is NOT allowed as it would be an additional cost to the VA buyer and could also delay their closing. Being that the furniture is not included on the report or the sales value of the home, the VA stated that it is irrelevant. When the MLO shared this information with Underwriting management, they responded stating that the VA 's guidance was incorrect and that they had to go by their internal company guidelines. The MLO followed up stating that those are just internal guidelines with lender overlays, the VA set the actual, federal guidelines. The Underwriting manager responded stating that this would be a GNMA requirement as the secondary investor. According to the VA, neither the lender nor investor can require this of the client. I find it puzzling that GNMA wouldn't follow the guidelines set by the VA. As a result of all this, the file 's closing was delayed and according to the VA , puts PNC Bank out of compliance. Please look into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: ACIMA CREDIT, LLC
State: CA
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:
ACIMA charged bi-weekly {$57.00} to my account via ACH debit for a total of {$1100.00}. Below are the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called the company, on XX/XX/XXXX and they are a finance company that assist with lease to own furniture ( dish washer, television, couches, etc. ). They did not have my name as a client so they refused to provided me any further information. I also called my bank, XXXX XXXX XXXX and they were unable to refund the {$1100.00} back to my account. They would only refund 60 days of debit.

Company response to consumer: Closed with explanation