BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a dispute to Experian for XXXX XXXX  XXXX account in the amount of {$560.00}. The reason for my dispute was because the last payment date/activity on this account was XX/XX/XXXX. This date was reported to XXXX  and XXXX  as well. Both of those bureaus have deleted this account from my reports as a result of the 7 year reporting period for closed accounts reporting negative activity. Experian has refused to abide by this law and remove the account on numerous occasions. I also submitted a dispute with them for the very same reason on XX/XX/XXXX. The only thing they have done is report the same information and update the balance date to reflect the same date I submitted the dispute. It is clear to me that they have not even attempted to contact the creditor for clarification, which Im not  understanding they should need if the correct information and dates were being reported to XXXX  and XXXX  why should they have anything different. Please remove this account from my report 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 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi Officier, From XX/XX/XXXX, I've canceled my credit card and I am going to close my CD then get refund back to my checking account. Bank of America confirmed that they will refund in 10 days. 
2 weeks passed, I was checking with specialist via service phone call at XXXX about why my CD is not closed. I made several calls in two weeks to figure out the reason but their specialist can not get any response. In the end, I went to BOA physically and asked their clerk to assist. Even their clerk can not get the answer from their BOA internally. According to her information, she reached with CD but CD depart thinks it should be taken care by Credit card Depart. When we were transfered, Credit card depart said it's not their business and asked us back to CD. Then we tried over 2 hours between both departments. It doesn't make sense to me why I can not close my account because of their internal issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
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: Information belongs to someone else

Complaint:
I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX  XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX  and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.

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 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

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 2018-07-13
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:
My information was involved in a data breach via XXXX, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

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 2021-08-20
Company: Prosper Marketplace, Inc.
State: CO
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:
On XX/XX/2021, Prosper XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.

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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request that I sent to XXXX and Trans Union on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.

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 2020-06-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to connect my PNC bank account to a 3rd party payroll system to get our nanny on payroll and PNC is blocking me from doing so. Why is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: GA
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 been for months now trying to get information that is on my experian report removed about a bankruptcy that is reporting. I checked my credit and saw a bankruptcy and requested it be removed due to Experian saying they received the information from XXXX XXXX. I am attaching my XXXX XXXX report and showing no bankruptcy on it. Its against the law to falsely report information and i would like it removed immediately. I am also attaching copies of my report from XXXX  who have deleted the bankruptcy. 

This is stopping me from obtaining credit and a job. please investigate.

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 2021-02-12
Company: Navient Solutions, LLC.
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 was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of EducationXXXX Navient # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
2. XXXX/ XXXX, Date of inquiry - XX/XX/XXXX. 
3. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
4. XXXX, Date of inquiry - XX/XX/XXXX. 
5. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
6. XXXX XXXX XXXXo, Date of inquiry - XX/XX/XXXX. 
7. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
8. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
9. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
10. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
11. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
12. XXXX  / XXXX, Date of inquiry - XX/XX/XXXX. 
13. XXXX, Date of inquiry - XX/XX/XXXX. 
14. XXXX, Date of inquiry - XX/XX/XXXX. 
15. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
16. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
17. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
18. XXXX, Date of inquiry - XX/XX/XXXX. 
19. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
20. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
21. XXXX, Date of inquiry - XX/XX/XXXX. 
22. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, 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 2020-09-14
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: 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 2021-02-23
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Texas Guaranteed
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 don't know if I ever took this loan out. I haven't been getting credit for my payments. Texas Guaranteed sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now Texas Guaranteed is called Trellis. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: MNS & Associates LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Threatening to garnish my wages from a debt that I have no clue about, calling family members continuously. Want to know my employememt, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: MoneyLion Inc.
State: NY
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:
Someone opened a MoneyLion card in my name using my email on XX/XX/2021. I caught it by chance via an email in my personal account, I immediately tried to contact MoneyLion but cant get in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
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 noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding my Barclays credit card. I last paid an annual fee on it on XX/XX/XXXX. Since then, for more than a year, I have not used the card anywhere. I had lost the card and requested a replacement card sometime in the summer of XXXX. I never received a replacement card. In XX/XX/XXXX, Barclays charged me an annual fee on an unactivated account. I did not realize there was a fee pending, and they reported late payment to the credit bureau, after which I realized they had charged me for nothing. When I called them, they said my cardmember agreement says fees will be charged automatically every year. When I asked for a copy of the cardmember agreement that I had signed up for, they refused to send one and insisted that it will only be sent by postal mail within the next 30 days. They refused to cancel or withdraw the fee, nor were able to explain how they could charge annual fees to an inactivated card. On top of that, my credit score has now been harmed.

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 2021-08-20
Company: EQUIFAX, INC.
State: CO
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:
After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Paramount GR Holdings, LLC
State: CO
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:
After 10 months of dealing with a company called Loanpal and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX. Loanpal also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company Loanpal, nor should the inquiries that were never authorized be on my account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal.  XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am reporting a student loan scam. 

I got a voicemail on XX/XX/2019 at XXXX ( from a robot named " XXXX '' ). She told me, " ... your student loans have been excepted into the Navient Settlement and are now subject to complete loan forgiveness ... ''. The phone number is XXXX and my " reference number '' is XXXX. I've called them twice and have been hung up both times, because I said I wanted to think about it and call back. The second guy I talked to was named " XXXX ''. I kept asking him what the name of the company was and he just kept telling me they were one of three Financial Preparation Enrollment Centers in the U.S..

Company response to consumer: Closed with explanation