BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Department of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, I was charged for a total of XXXX $ for two items from old navy online on my banana republic store credit card in XX/XX/2021. Since I didn't recognize the purchase I contacted the credit card provider sychnrony to dispute the charge. They immediately reversed the charge and confirmed that yes there's indeed a fraud alert on it. Now in XX/XX/2021 I receive a email that there is a XXXX $ outstanding balance on my credit card ( two items with the reference codes of XXXX and XXXX ). When I check the portal, it mentions that I'm charged for a balance transfer of XXXX $ on XX/XX/XXXX. I contacted the synchrony about this charge on the banana republic store credit card, and they mention that they have determined to reverse the fraud claim without providing any explanation or even notice of charge. I just got notified on XX/XX/XXXX as part of routine monthly messages about my credit balance due information at each month. They need to at the very least provide an explanation on why they refused the dispute. The charge was a fraud, but the charge itself is small. My main worry is the experience that I had on the process. They take no responsibility and accountability in clearing the matter for me, so I'm not sure how I can trust them

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 2018-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We simply want this mistake removed from our credit report as they are acting unreasonably in regards to our complaint. 
We had a vehicle loan with Ally Financial financed on XXXX/XXXX/XXXX. We have paid all monthly {$940.00} payments online. We have never been late beyond our grace period with any of our XXXX total payments made to Ally. Our last monthly payment to Ally in the amount of {$940.00} was made online on XXXX/XXXX/XXXX at XXXX pm. Our personal Ally Financial " dashboard '' where payments are made online, said in bold XXXX letters " Next Payment : {$940.00} XXXX XXXX : XXXX/XXXX/XXXX ''. We complied as usual and made our XXXX payment to Ally on time ( XXXX/XXXX/XXXX ) within the allotted grace period. 
We are in the process of purchasing a house. Our lender was finalizing papers when it was brought to our attention that our XXXX XXXX had dropped XXXX points due to an apparent late pay on our Ally Financial vehicle loan. This apparent " late pay '' is described above. In order to proceed with our house purchase, the above must be resolved in a timely fashion and removed from our credit report. 
We contacted Ally on XXXX/XXXX/XXXX to resolve the mistake. " XXXX '' from branch XXXX collections was able to confirm that our payment was indeed made on time and " was not late. '' He was not able to send me an email or fax to show my lender his findings, however he was able to " send a billing statement via mail '' which should arrive within XXXX weeks. We requested to be transferred to someone higher up that would be able to get us something on paper clearing up the mistake, that day, whether it be by fax or email. We were transferred to " Shy '' in consumer solutions. She was of no help and said we had to file a credit dispute which would take a month. 
We will lose our contract on our new house by the time they are able to clear up their mistake and have this incorrect negative removed from our reports. 
We went to our credit union immediately, the same day and refinanced this auto loan to avoid any further " issues '' with Ally.

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 2019-07-16
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX-XX/XX/XXXX- US Bank trying to pass an XXXX charge to XXXX   XXXX when the charges were never reflected to present time XX/XX/XXXX to be repaid. Nor reflected for IRS as Escrow is. The Mortgage dept at US Bank failed to give me appropriate time to pay, never reflected in on-line statement each month for repay, nor in letter closing the mortgage in XX/XX/XXXX stating my new monthly payment with XXXX- nothing more.

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 2018-08-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX reported my mortgage as being late 6 or more months which has a derogatory effect on my credit score. They need to correct it NOW and quit reporting false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX I contacted US BANK for assistance due to COVID-19 that affected job hours. US bank did let us skip payments for 7 months and ONLY thing they advised about adding the amount to the end of the loan, but never ONCE explained that this would have to be paid all up front before we can refinance. I tried to refinance with another lender for multiple time and most of them are only going to do 80 % LTV if you do cash out to take care of this extra amount, since I do no have enough equity built in, I am not able to refinance and stuck with this company with HIGH interest rate and they are not willing to help in any way or form or shape. It's very unfortunate that I requested assistance without knowing that we were getting XXXX  over in the end, especially without any knowledge. In addition to 7 month of payments that was behind, they also added escrow balance to that amount as well which is over {$9500.00}. Very frustration for people that are in this situation like myself. Please help US all to get this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a checking account with B of A. B of A allowed my wife ( we are separated ) to set up recurring payments on the account. My wife ran up a large overdraft on the account, including hundreds of dollars in NSF charges. I tried to pay off the account and close it while this was going on ( she was purposefully doing this ). B of A refused to close the account because of the overdraft and when I tried to pay the overdraft, with a check from my XXXX account, refused to take the check to do so. I was at the B of A branch at XXXX in XXXX and instead of closing the account, or even letting me talk to a B of A banker about it, they stuck me in an office and a customer service rep tried calling B of A on the phone. After waiting on hold for somewhere between XXXX XXXX  and XXXX XXXX XXXX  I left. Same thing when I call, am put on hold for huge lengths of time. Although I am a XXXX XXXX, I still work and can not wait indefinitely. Have tried to go on-line to pay and close but if B of A has this functionality I cant figure it out- not obvious.I have gone to 3 separate branches to accomplish this without success. 

I want B of A to back out the nsf charges, many of which were incurred because they would not let me close the account and have someone contact me ( XXXX XXXX XXXX ) who can take an XXXX  so I can resolve this. Also, to the extent they report negatively to any bureau, clean that up.

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 monetary relief
Consumer complaint received 2021-06-13
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:
XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account with XXXX University was paid in full via student loans. The balance displayed on my credit is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX I went on to the XXXX and ordered all three credit reports from XXXX, XXXX XXXX, and Experian.
<P/>
I only received one from XXXX XXXX, which was dated as XX/XX/XXXX and file number XXXX XXXX, which contains all the same information with different collectors name on it.
This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this XXXX XXXX slandering my reputation with non-existing accounts they created. XXXX XXXX is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by XXXX XXXX for each alleged creditor {$1000.00} which is 39 times XXXX equal to XXXX by XX/XX/XXXX, and XXXX XXXX is agreeing to pay me {$500000.00} byXX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX.
<P/>
Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan.
<P/>
For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX beforeXX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX
<P/>
For the Experian, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report byXX/XX/XXXX, if not, Experian is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions 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:
Today i called experian in regards to a dispute that was open since XXXX. A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the itmes were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. They are violating my rights as a consumer 15 usc code 16811i

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 2021-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But Equifax still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATIONXXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder 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 2021-12-02
Company: CITIBANK, N.A.
State: OH
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 credit card in the mail from Citi XXXX XXXX XXXX within the last two months ( approximately ). Honestly, since I get so much junk mail, I didn't really pay attention to it as I thought it was another card application. I disregarded the card and never used it or activated it. My wife set it aside. 

I received a letter dated XX/XX/2021, saying they noticed some suspicious activity on my account. I did not see that letter until today, XX/XX/XXXX. After reading the letter, I checked my XXXX XXXX app and saw that I now had a balance of {$110.00} on a card that I never applied for. 

Later in the day on XX/XX/XXXX, I called Citi ( XXXX ) and told them I never applied for the card. The representative immediately told me to reach out to you guys. It should be noted, when I called and entered the card number into the automated machine, I used the card number from the original card and was told to use my new card number, which I did not have. 

I suspect someone fraudulently used my information to apply for and use a credit card. I noticed on the letter sent to me from Citi that it listed an apartment number despite not living in an apartment. 

Thanks for any help.

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 2018-04-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX erroneous reported me as XXXX late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with XXXX and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to manage my security freeze on Equifaxs website for over a month. I get the error, We are temporarily unable to retrieve the status of your security freeze. The only way to manage the freeze is to call and wait on hold, sometimes for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Meridian ARG Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Multiple phone calls from the same number ( XXXX ), upon answering, after several seconds, a recording from a female calling herself XXXX XXXX states she is trying to collect a debt, does not provide the debtors name & says since she is unable to reach me by phone, even though I have answered the call, that legal action by the police will be taken and if I do not respond they will come to my home. I called the number back, and the recording said they were Cambridge Asset Management. I called a second time & was able to reach a live person, but when I mentioned the message from XXXX XXXX, they hung up on me. I have never received any written correspondence from this company.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-13
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: Personal information incorrect

Complaint:
My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, Equifax and XXXX  they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX Georgia XXXX. 

I am request that XXXX, Equifax, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.

Company response to consumer: Closed with explanation