BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX, and Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ..... 
These accounts don't belong to me.

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 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX portfolio recovery called me in regards to a debt that is past statue of limitations. I had kindly asked the company to stop calling me at my number for their start period of time the company allows. After the lady from portfolio recovery stated that I will no longer get calls for a month from the cell number that she had repeated back to was clearly mine. 
XX/XX/XXXX portfolio recovery called my number in regards to a different account from another person, that supposedly my spouse that lady from portfolio recovery had stated very clearly. I havent been married for going on 4 years and changed my number from my ex wife. Portfolio recovery never stated or clarify I had supposedly had someone else linked to my named or my number doesn't mean anything being flagged by portfolio recovery to still call knowing that promised on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: ALLY FINANCIAL INC.
State: IL
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:
In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -ALLY FINAN 1, XX/XX/XXXX -XXXX XXXX XXXX , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/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 2021-02-08
Company: SYNCHRONY FINANCIAL
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Synchrony Bank has added extra security where you get an automated call with a security code needed to log into your account. The number they have on file is not our phone number. I was told by their customer service they use a third party who gets telephone numbers off the internet. We have done business with Synchrony Bank for years, they have our telephone number. We can not get them to remove this telephone number, which is not our telephone number, from their system or our account. I have contacted them numerous times regarding this issue and they insist they can not help with the issue.

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 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this Capital One credit account for 17 years and 3 months. It is the oldest account on my credit report. I have called numerous times over the past three years requesting that they send me a new card so that I can utilize it. With no response by mail or phone, I have still not received the card. Today ( XX/XX/XXXX ) when checking my account I have noticed that they had cancelled my account. I promptly called and asked why my account had been closed. They stated that I have not used my account for 36 months and that they have closed the account on ( XX/XX/XXXX ). I asked how I was able to use the account when I have not received the replacement card that I have requested. They admittingly said that they had sent mail to a different address but not the one that was currently on my account and received returned mail. I asked if they could just send me a new card at this point and reopen the account since it was an error on their behalf. Granted I had not received a letter of account closure and I had called only three days since they closed the account. They stated that they could not because of the fact that the account has had no activity. At this point, I am confused about why this is my fault or issues when there was an obvious mistake on their part. I also do not want my credit score to be affected being that it is the oldest card in my history. I am very prideful in my credit score that I have attained and would like to continue to retain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I began to file for bankruptcy but never finished the filing but TransUnion has placed this on my credit report anyway. They have not removed it despite my requesting that twice. I had XXXX investigate the bankruptcy and they have removed the public record from my 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 2018-02-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was called around the beginning of XX/XX/XXXX about said I owed a debt to XXXX XXXX XXXX XXXX. Asked for verification of said debt received a letter around XX/XX/XXXX asking for ssn # and an account number to said debt. I dont have this account number and do not feel comfortable giving out my ssn # due to recent fraud that was on my credit report. The amount of the Debt was for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$660.00} XXXX XXXXXXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}

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 2020-08-27
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: Was not notified of investigation status or results

Complaint:
I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I  never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.

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 2021-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX/XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: MO
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:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The mortgage company 's policy is, if the account was current and you request forbearance, the mortgage company will not report you to the credit agencies, my account was current and they reported me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Commerce bank account was Hacked on XX/XX/2019. 
I notified Commerce bank immediately of fraud activity. I was given three new cards, that did not work. and was told the money would be returned to my account within 10 business days. It was never returned to me and my account was closed in XXXX of this year. I was also told that someone with a similar account number to mine was changing my pin online and stealing my money. 
I have spoken with Commerce Bank @ XXXX and XXXX with the bank manager and she read the notes, claims that the money was returned to me in XXXX. That is not true because I was still trying to recover the stolen money from my checking account in XX/XX/2019. I turned in all three debit cards to bank manager at XXXX and XXXX in XX/XX/2019 as they did not work. I had no access to that account. The bank manager was to issue me a cashier 's check in XX/XX/2019 and mail it to me in XXXX XXXX, MO. Which to date has never happened. 

The fraud charges : XXXX XXXX at XXXX and XXXX XXXX XXXX, MO {$60.00}. 
XXXX for {$89.00} x 2 = {$170.00} Budget : refund for rental insurance : {$21.00} Total monies never returned to me by Commerce Bank : {$250.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It says in XX/XX/XXXX I opened an account with transunion, which then lowered my credit score by almost 30 points. I have not opened a new account recently so I am just confused.

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 2018-02-18
Company: EQUIFAX, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear Sir, Iam filing this complaint as my INSURANCE CLAIM was rejected by EQUIFAX XXXX   insurance! I had the {$1.00} XXXX Insurance in regards to the Identity theft insurance with XXXX provided by Equifax as our Data was breached! We had XXXX Bitcoins stolen from our Digital Account XXXX and we havent received the REFUND from XXXX and hence reached out to the insurance XXXX being handled by XXXX XXXX and after going through the insurance policy, filed a claim with TRUSTEDID through XXXX along with the documents 1 ) Proof of Bitcoins being transferred from our accounts to anonymous address 2 ) Police Complaint 3 ) FBI Report 4 ) Email proof of rejection of REFUND from the Digital account [ Our Digital Account website where Bitcoins were staying ] 5 ) Email proof of filing complaint with The XXXX [ Our Digital Account website where Bitcoins were staying ] 6 ) Also attatching the CLAIM BENEFITS! 

And the insurance clearly stated that we are eligible for the CASH Recovery if there is a XXXX, THEFT, UNAUTHORIZED TRANSACTION FROM YOUR ACCOUNT.But I was rejected saying that my account is not a FINANCIAL account, the main reason for carrying this insurance was to retrieve any stolen, fraudulent and unauthorized transactions of your financial assets from your account. 

I would like to get this to your notice that main reason EQUIFAX provided this insurance was to save customers financial assets from XXXX, THEFT or UNAUTHORIZED ACTIVITIES which happened in my case. 

My total stolen amount was {$12000.00} which was XXXX BITCOINS and would like to request to REFUND either of those as per the insurance claim.I would like to get this to EQUIFAX, TXXXX as well as XXXX! 

Appreciate your help in this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Recently had a collection account show up on my credit report from Monterey collection agency. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called XXXX that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : On XX/XX/2021 I received a letter from Credit Systems of the Fox Valley, sent in response to my Debt Validation Request Letter. I received my confidential medical records, which is a clear violation of HIPAA, as I have never given authorization for any release of confidential medical information to Credit Systems of the Fox Valley.

I will be sending them a notice, via certified mail, to remove the debts associated with this HIPAA violation, but it is also my duty, as a responsible citizen, to report such a violation to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Aargon Agency, 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:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

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 2021-02-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 open accounts with BB & T and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting XXXX XXXX and its fraud!

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 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As a part of a cutover to a " new '' website Capital One has retired functionality for consumers to search transaction history. Users are provided recent history and monthly statements, that is it. Search capability had existed for the past two decades.This is a basic feature required for account management. Omitting the capability directly prevents appropriate access to data and is, therefore, a violation of consumer trust, account management and basic access required within the financial industry.

Company response to consumer: Closed with explanation