BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX attempted to us our Bank Of America/Visa Credit Card only to find out the card was closed. The card is seldom used and is payed on time every month by phone. We contacted the company and was informed that due to the Patriot Act they need follow up information ( employment and citizen Info ) and that they had been trying to reach us by phone and mail. We have not received any mailed correspondence and when we inquired about the phone calls, they informed us it was an automated machine that would not leave a message ( which I thought in its own right to be illegal ) .We also had contacted them every month, since XXXX when they claimed to have been trying to contact us, via phone to pay our bill without once having been informed that they need information for the card. The company then stated they closed the account/card because they did not have the information and when we wished to have the account re-opened they would not give us the same interest rate. ( 6 % ). We have been customers with this company since XXXX. We do not use the card often and feel that the account was closed due to the unusual low interest rate.

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 2019-06-10
Company: PNC Bank N.A.
State: NJ
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:
Pnc bank is reporting that I have a core credit card with them with a balance for XXXX with them I have never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
remove address the are not mine and accounts XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX   XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX need to add my correct address and experian XXXX  only. brains of the 3

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.

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 2019-02-20
Company: Halsted Financial Services, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financial Services called my cell phone on XX/XX/XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get  personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XX/XX/XXXX in an attempt to limit my time to respond and request for verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions 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:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. 
A copy of my drivers licence and a utility bill is attach to confirm my identity. 
I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Placed permanent freeze in 2017 ( had problems with that not sure I ever got pin ). Tried to permanently remove online today but couldn't. Said it would take me to a screen to verify identity, but it didn't. Took me to a form to mail in a bunch of info. including DL and SSN. Don't have time for snail mail and dont want to send that info through the inherently unsecure mail. Anyone along the official path would have access to all the info necessary to steal my identity - name, DOB, address, physical description, including photograph, SSN, and DL number! And, thats if it didnt get lost, delivered to the wrong person, or stolen from a mailbox.

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 2019-05-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with XXXX XXXX XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on Equifax and XXXX  as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act. 

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX and Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Transunion are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported inXX/XX/XXXX and XX/XX/XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as theXX/XX/XXXXpayment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

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 2019-05-31
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: ARS National Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20 I've received notification from ARS National Services in regards to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}. In accordance with Federal law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXXL XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AZ
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  ; Experian and XXXX are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

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 2020-10-22
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: Old information reappears or never goes away

Complaint:
Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. 
At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website XXXX which claimed to provide me with facemasks. 
In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. 
After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. 
This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need XXXX  help. 
I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX  XX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.

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 2019-05-30
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX and XXXX are reporting a 30 day late payment on the XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-22
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.

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