BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NV
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 are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I get an online statement and I did not receive my statement in XXXX it went to spam and Kohls never called sent a email or mailed a letter to my home stating my payment was late. I have worked very hard to keep my credit score up and since it went went 30 days late because I had no idea I had a late payment my score went down like XXXX points. 

I feel they are responsible to let you know that it was late seeing an online payment can go to spam, when you have a lot of bills to keep track of I would assume you Would get a notice when something is late. 

I asked twice for them to remove the 30 day late and they refuse. I have been a long time customer and never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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: Investigation took more than 30 days

Complaint:
During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called XXXX XXXX XXXX and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the XXXX XXXX XXXX Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: IL
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2019-10-23
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I was scam.I made a wire transfer for XXXX US dollars from my Citibank account to Citibank XXXX ( XXXX ) at the name of XXXX XXXX XXXX XXXX, XXXX with I am making bussiness for more than 5 years. The money was transfer to a third person because the corporation does not have an account in XXXX. 

I reported in the properly times the case ( CIT XXXX ), They make wait 3 months to tell me only want to refund me XXXX US dollars. That is a joke for me. I claim to a second review for the case and I got an email from XXXX XXXX | Case Researcher | Citibank Executive Response Unit (  XXXX ) she is going to give me a response to XX/XX/XXXX but she did not fulfilled it. I wrote them 2 emails more and called her several times at different hours with no response. I record her 2 voice message What Im claiming is a full refund because at the moment the transfer was made I provided all the information required by Citibank as : -Account Number -Account holder name -Adress -Phone number The account number, adress and phone number do not match with the account holder name. This is basic! a simple security verification. Why are they asking me all the information if they are not going to check them. This is bureaucracy and a weakness in the security procedures from the bank. There is no excuses because Citibank US and XXXX are the same bank, They know who received the money, and they are protecting them, is against the law, I can suspect the bank is coverin them up. 

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

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 2020-08-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my Equifax credit report and saw inquiries from XXXX and XXXX XXXX  that I did not do! They are fraudulent and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2019-10-23
Company: Danco Financial Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company is an absolute rip off! These people need to be shut down they are crooks stealing and trying to take people 's. I dealt with XXXX of Danco Financial who came and repossessed a vehicle that should have never been taken in the first place. I had a payment arrangement set up and paid half of it like I was suppose to yet they still came and got the car. I don't understand how this company is still in business. When you call all you hear is XXXX music while on hold. I'm sure they have done this to a lot of people. They pray off o those who have less then perfect credit and are unable to get a vehicle at a normal dealership. I wish you all would really investigate the deals and complaints you have from this company. I bet there would be a class action lawsuit regarding all of their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by PNC Bank without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-05
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized debit card use by a person who is also being investigated for elder abuse. Went into the branch location on XX/XX/XXXX to close an acct and report unauthorized use of a debit card. Rep for the bank printed off bank statements from XX/XX/XXXX- XX/XX/XXXX and had me to highlight each item disputed. We received a call from a different rep from the bank at the time my grandfather was XXXX  at the hospital, we were provided a contact # to call when he was discharged and when we call this rep said that because he could not verify any transactions on the acct that she could not help him and referred us back to the local branch. I called the local branch and was issued an appt to meet at the branch on XX/XX/XXXX at XXXX only to arrive and nobody was there. I called the branch today XX/XX/XXXX and asked why I was given an appt and nobody was there. I was told that there was an emergency at 2 other locations so the appt was canceled. She then proceeded to say that I would once again need to bring my XXXX year old grandfather into the bank again to confirm what he has already provided to the first rep on XX/XX/XXXX. I feel like we are getting the run around and nobody is able to give us any answer or explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NV
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 have reached out to EQUIFAX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score. 

Therfore With No Response from EQUIFAX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CMRE Financial Services, 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 information incorrect

Complaint:
CMRE FINANCIAL SERVICES is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. CMRE FINANCIAL SERVICES has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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 fraud alerts or security freezes

Complaint:
Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES EXPERIAN AND XXXX broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES EXPERIAN AND XXXX ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both XXXX AND EXPERIAN clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. Im charging and seeking COMPENSATION for the violations against the consumer that was set forth by EXPERIAN XXXX AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX  XXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.

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 explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize inquires

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 2020-09-23
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:
US DEPARTMENT OF EDU XXXX XXXX XXXX DEPARTMENT OF EDU | XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2018-12-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed the student loan account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For You and TransUnion : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX BANK sold my sensitive information to PORTFOLIO RECOVERY ASSOCIATES , LLC. They failed to validate the debt. I have been disputing this alleged debt. since last year. They have not let the credit mediums know that this alleged debt has been disputed. They harassed me by making my phone ring. They have used profane language threatening to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had my stimulus check from the IRS deposited to my account, the company put a hold on my acct, I closed the acct upon their recommendation and they were going to send a check to the address on file. In 2 months I Ihavent received my check. Ive called the company several times and they just pass my call around to depts and the call ends by them claiming the check was sent. On follow up calls they admit never sending a check, this has happened several times over the course of at least 2 months, they are holding my government stimulus issued check in the amount of {$1200.00}.

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 explanation
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank fraudulently closed case XXXX XXXX  by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true

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 2019-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
This account doesnt belong to me I already disputed it with a identity theft report which is on file for the account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation