BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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:
XXXX is stating my score is lower than it really is, XXXX XXXX XXXX  FICO states it is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC bank just informed me that XXXX XXXX resent my {$200.00} to a closed account with PNC at XXXX XXXX on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with PNC and I updated my new bank account information on XX/XX/2021. 

I am not understanding why you all will not allow PNC to resend the {$200.00} back to my XXXX XXXX account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via XXXX XXXX. It should not take several days to reimburse money from a closed account back to XXXX XXXX. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Name : XXXX XXXX DOB : XXXX SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX Companies involved : Bridgecrest Account Number : XXXX XXXX XXXX XXXX I received last communication from Bridgecrest XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XXXX I had phone communication with Bridgecrest and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and XXXX report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with XXXX with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.

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 2023-04-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Account status incorrect

Complaint:
According to my credit report, I owe XXXX XXXX XXXX over {$17000.00} for a vehicle but I dont even have a drivers license. I am not sure how I can finance and own a vehicle without a Drivers License. I believe I have had identity theft.

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 2023-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account plan as an open and consumer credit plan as LATE for any purpose.

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 2020-05-04
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX my sister went to XXXX XXXX mall after we went out for lunch around XXXX I had my shopyourway mastercard in my pocket when I went to the mall but when I shopped at sears I realized it was gone so i figure and the card could be in my shopping bag when or slipped out so sear was able to let me use my card with my SSI and Id card so I after I was done I went to back track to see if I left it in a store but no one claim to have it so I received a notification on my phone that it was a fruadlent charges being made on my card someone went to XXXX XXXX  and tried to spend {$690.00} and they also went to XXXX and actually spent {$71.00} and that'a store I can't wear anything in im plus size woman and XXXX these were KIDS look at these charges XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00}, XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX IL XXXX {$7.00} XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX IL XXXX {$71.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX {$6.00} XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00} XX/XX/XXXXXXXX, XXXX XXXX  XXXX {$29.00} XX/XX/XXXXXXXX XXXX  - XXXX XXXX  XXXX XXXX IL XXXX {$4.00} XX/XX/XXXXXXXX 'S XXXX  XXXX XXXX IL XXXX {$6.00} And they were dismissive and rude towards me I have reached out twice and they are still accusing me of this crime and I refuse to pay for someone elses crime espeacially during this covid 19 pandemic.

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 2023-06-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over 2 months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after 30 days, Thank you!

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 2023-07-20
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We currently cant come to and agreement due to the contract fraud that XXXX  XXXX XXXX XXXX XXXX provided to me, so call on the behalf of Exeter finance.Deceptively just coming into the knowledge of contract I realized the car was payed for through my signature as well as my social.I also investigated the fact that there is no date where they randomly appear on the so call contract They also send a police to a civil matter while trying to pull a repossession in which the police even realized they were wrong because they breach the piece of my home with neighbors all watching.which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on XXXX and XXXX that I have tried disputing but did not come off. The collection had come off XXXX only. The collection is titled CCS Collections for the amount of {$2300.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I started the process to sign up for the Upgrade card not realizing it was not a traditional credit card. I never completed the process and sent an email to their customer service asking to cancel. No response and they went ahead and sent me a card anyway, even though I never completed the process. Yesterday I called and a machine told me that the expected wait time was 63-65 minutes and asked if I would like a call back. I never got one. Tonight I have been on hold for nearly three hours and counting. About an hour and 15 minutes into my wait I spoke to a representative who told me that he would transfer me to account services and someone there would be able to help me. Im still holding, going on three hours, and still have not succeeded in canceling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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:
I am a victim of identity theft I have 2 fraudulent accounts from XXXX XXXX XXXX on my credit profile that need to be removed immediately

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 2023-06-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: CO
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 SENT CERTIFIED LETTER XX/XX/2020 TO EXPERIAN DEMANDING PROOF OF HOW, WHAT METHOD AND WHO THEY VERIFIED XXXX XXXX XXXX XXXX  WAS AN ACCURATE COLLECTIONS ACCT AND EXPERIAN REFUSED TO PROVIDE THE INFORMATION AND IS STILL REPORTING AS A COLLECTIONS ACCT!! XXXX  AND XXXX  HAS REMOVED THIS ACCT. EXPERIAN REFUSES EVEN THOUGH THEY DID NOT AND COULD NOT VERIFY THE ACCURACY OF THIS ACCT, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate the account ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$260000.00} this complaint will serve as a follow-up to my prior complaints

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 2023-06-02
Company: EQUIFAX, INC.
State: MA
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 writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial communication, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Equifax is reporting an account under the name XXXX, XXXX the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00}. However, this account does not belong to me, and I request that Equifax removes it from my credit report. 

Equifax has included an account attributed to XXXX XXXX XXXX  with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 

Equifax has listed an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report. 


Equifax has included an account attributed to XXXX, XXXX the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1700.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Equifax has reported a late payment for the account XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00}. I want to clarify that this account was never late, and I request that Equifax removes the late payment notation. 

Equifax has reported inaccurate information for the account XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$16000.00}. Specifically, the account was never late, contrary to Equifax 's report. I request that Equifax corrects and updates this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have submitted this complaint three times to CFPB and no action has been taken. All CFPB does i forwards the compliant to the Bank of America who does nothing. I have complained to Bank of America Home Loan many times and they haven't done anything. They have been posing fraudulent transactions on my account to charge excessive interest. I need this to be resolved and I need CFPB to really get involved rather than simply forwarding the request to the bank. I have proof and audit trail of all my transactions.

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