BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 explanation
Consumer complaint received 2020-10-14
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: Information belongs to someone else

Complaint:
On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA XXXX the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: LA
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 an account on my credit file from XXXX XXXX XXXXXXXX. This account isnt mine and under the FDCPA this a violation of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: SC
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Name : XXXX XXXX XXXX & XXXX XXXX DOB:XX/XX/XXXX SSN : XXXX CFPB Complaint ID:XXXX Complaint to Capital one Bank Hello, my name is XXXX XXXX, on XX/XX/XXXX , I opened a joint account with Capital One ( routing number : XXXX, account : XXXX ). 
I received a respond from Capital one Bank, but I disagree with what their responded. I did everything they told me to do, my friend and I went to XXXX XXXX many times. funds had already transferred to Capital One long time already so they could not do anything. 
I need a better solution. I hope someone can help me, I just want they return the funds to me or my friend accounts 1. Name : XXXX XXXX & XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check amount : {$3600.00} 2. Name : XXXX   XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check Amount : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. Equifax has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax REFUSES to unlock my credit file. My potential new employer needed to access my credit file for a financial fitness check. Since they employer could not access the file after 6 days, they had to move on with another job applicant. So I lost out on my new job opportunity. This is really frustrating that Equifax can't simply remove the lock on my Equifax credit file. I NEED THIS LOCK REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!! This has been going on for way to long. Equifax need to remove this lock. This is causing me a lot of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2018-06-17
Company: EQUIFAX, 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 submitted documents of proof of payments and proof of merchants stating the accounts have been paid as agree and Equifax will not remove duplicate inquiries or collections that have been paid and or disputed. In turn for this reason they will not raise my credit score which is reflecting that I am a high risk or have a high number of unpaid accounts or late payments.. None of which is true.. I have not been able to get approved for a loan or I am only offered high intrest rates and I have to have my credit pulled in order to be reviewed which in turn lowers my score.. I have submitted request in wirting to all three angencies, requesting at least remove the duplicate hard inquiries from my report which should bring my score to at least 700-720 none of which has been done.. I have paid off loans and I also have a 21 % debt to income. I have lost grant money due to Equifax unfair and inaccurate reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: NY
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:
I am contacting your company because I am a victim of identity theft there was an account opened in my name that I was not aware of nor did I have knowledge of and I want it removed from my credit report at once because it is fraud and does not belong to me OTHER LOANS XXXX/XXXX  Reported : XX/XX/2018 + {$220.00} Closed Remove this account because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Account status incorrect

Complaint:
I have always made ontime payments and never been late yet XXXX XXXX reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Lendmark Financial Services
State: MD
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:
Lendmark company has falsely reported me to XXXX  and XXXX  that I am owning {$1.00}, XXXX. My records show that I have paid off my loan to this company. I paid off my loan of {$8100.00} on XX/XX/XXXX following some advice by the company customer service staff. On XX/XX/XXXX, I was approached that I owed an interest of {$91.00} which I also paid immediately. My bank account can confirm these payments. I also sent a letter to the office location in XXXX to confirm that I have totally paid my loan, but I did not receive any response from this company. On XX/XX/XXXX, I had a telephone conversation with one of their managers Mr. XXXX XXXX about this concern and he apologized and assured me that he would discuss the problem with his supervisor and get back to me, but he never did. Instead, the company sent a report to credit companies claiming that I missed payments which has adversely affected my credit history. 
I would appreciate if you could please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX tried to disputed information from an collections agency that was included in bankruptcy that was discharged XX/XX/2020 by the state Of Maryland. Credit Reporting agency contacted and still showing on my credit as owed and affecting my ability to start over. Along with having the bankruptcy. I need help getting it removed. I also sent documentation to the credit agency to verify my statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following debt is in collection, even after attempts to make payments. applied for financial aid through the institution and was denied even after expressing that I do not have the finances to pay for the debt. The debt is a negative reflection of my credit profile and I would like the following debts to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: PlusFour, 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:
I am a XXXX years old senior, living on ( {$800.00} ) social security a month and covered by XXXX and XXXX insurance, I already disputed these three charges, all my medical charges were covered and paid by XXXX and XXXX, but these three collection ( it seemed are Over charges for Unnecessary visits for no Treatments, just to keep charging the XXXX and to keep charge me extras for no medical need ), I field a dispute and my dispute was investigated by XXXX  and it was Removed from and deleted from my credit report as shown below, But these three collections accounts Still showing on my credit report by XXXX XXXX XXXX despite my repeated letters and dispute to both agencies but got no satisfactory conclusion and response, this irrespirable behavior by these collection companies and reporting agencies caused me Great Harm and Denial of credit applications, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - these are the three collection : 3 - collections {$860.00} Reported balance PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00}. These -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- These Three collection was reported by : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is from TransUnion : Accounts In Collection Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is from XXXX, it was removed and deleted from my credit report, Your Dispute Results Investigation Results Print Report Created On : XX/XX/2021 File Identification Number : ( XXXX ) Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - DELETED : The disputed item ( s ) was removed from your credit report.

In response to your dispute, these three items was DELETED from your credit report. PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you for your attention, my email ( 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 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Filed letters and complaints on accounts that are not proven verified as being own by my and no original contacts presented

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 2018-11-21
Company: Choice Recovery, 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: Old information reappears or never goes away

Complaint:
Choice Recovery is still reporting 4 individual derogatory remarks on my transunion credit report for XXXX XXXX XXXX. 
All 4 are from the same day for the same thing on XX/XX/XXXX. That is more than 6 years ago. My ChapterXXXX bankruptcy was discharged on XX/XX/XXXX. 
Also i thought there was legislation that passed in XXXX prohibiting medical from being reported.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I opened a Keybank checking account for a {$400.00} promotion. 

After opening the account I was to make a direct deposit of {$500.00} within 60 days in order to receive the {$400.00} sign on bonus. The qualifying direct deposit was made on XX/XX/2019. On XX/XX/XXXX I inquired through the bank 's chat portal when the bonus would be deposited and was told I would need to inquire by way of email and wait 24-72 hours for a response, which I found unacceptable for a simple question regarding an advertised promotion. 

Today on the phone their customer service agent informed me no bonus could be deposited for 150 days ( 60 days from account opening + a 90 day investigation to confirm I've fulfilled the terms of the promotion [ to reiterate : the terms of the promotion were to open a checking account and make a direct deposit which should be automated ] ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My XXXX grant was unfairly converted into a loan, even though I am still a XXXX XXXX in a low-income XXXX and sent in all of my proper paperwork/certification of XXXX. 

On XX/XX/XXXX and XX/XX/XXXX an email went to my junk folder with the subject, " A new message is waiting for you to view. '' I received no other communication that requested my verification of XXXX. 

On XX/XX/XXXX I received an email updating my on the status of my grant that converted into a loan. I sent in my signed verification forms, and on XX/XX/XXXX I received an email stating that my form was received. I sent the form again because my account still showed my grant as a loan, and on XX/XX/XXXX I received an email confirming that my form was received. 

On XX/XX/XXXX I emailed asking why my grant was in repayment, despite sending in the proper forms. On XX/XX/XXXX I received a response that my XXXX  grant converted into a loan after I failed to send my certification to their due date, and it can not be converted back in to a grant. 

On XX/XX/XXXX I began paying the " XXXX Loan '' even though I am teaching science in a low-income school as per the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo purposely charges your account in the order so they can charge you more overdraft fees!

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 2018-11-21
Company: DISCOVER BANK
State: SC
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:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: Rent Recover, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. I do not nor have I ever had any contact with this collection agency. Nor have I gotten any for of communication from them in regards to reporting negative information on my credit report to XXXX XXXX. This information that has been reported is in violation of the Fair Credit Reporting Act laws. At this point no communication is warranted the damage has been done. I would like for them to validate any contracts they have along with payments and amounts due pertaining to the alleged debt. If validation can not be proved I demand the negative reporting be removed from XXXX XXXX immediately. If validation is found I have the right to have all findings mailed to me with 15 days of the findings and demand 30 days to respond.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I called Bank of America because none of my business account alerts were being received. This triggered {$140.00} in fees for my two business accounts. 

They alerted me that all my alerts for my corporate account were cancelled. They tried to see why and fixed all my alerts to work. 

I was advised to use these alerts to cover any overdrafts. 

After asking for a refund of the fees, I was informed that their banking alerts are not considered bank error. Then I was told I was charged an overdraft fee only for posted transaction. 

It was a pending transaction that caused the overdraft. Then they said I can speak to the overdraft department. 

That department does not handle those fees. So I called back and was transferred to a supervisor named XXXX. 

Where he was very insulting and disrespectful stating that the banking alerts that I set up would not work and it was not their fault. 

And that their banking alerts which are tools to minimize client risk. I have been charged {$140.00} in fees.

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 2019-09-04
Company: EQUIFAX, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/2019 I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XX/XX/2019 I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX   stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief