BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: Experian Information Solutions 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:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXXXXXX XXXX  | XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company 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 2020-11-17
Company: EQUIFAX, 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 DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX  HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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'VE BEEN HAVING ISSUES WITH THE CREDIT BUREAUS CLEARING THESE ACCOUNTS FROM MY CREDIT REPORT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AES/PHEAA
State: IA
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 had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Earlier this year I suffered a terrible XXXX injury preventing me from keeping up with my finances as usual. Around XXXX, I noticed a tremendous amount of fraudelent charges on my checking account. Unable to sit on hold for hours, I was unable to make it in to a local bank of america branch until XXXX. During this 3 month period, amongst all of my accounts, I was charged in excess of {$3000.00} in miscelanous fees. This would be acceptable, however I did manage to make it into a branch and sit down with a personal banker for over 3 hours while he went over a spreadsheet of fraudelent charges with customer service. I enjoy Bank of America 's services and would like to return, however these fees are out of hand. Please note, the accounts in question were closed however I will include the current open account numbers.

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 2020-10-25
Company: EQUIFAX, 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:
DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else

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 2020-11-17
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 DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened 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 2019-10-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/19 I filled out an on-line application with Comenity Direct Bank to open a high interest savings account. I entered my name and social security number and sent copies of my license and health insurance cards for ID. I wanted to move {$250000.00} from my joint savings account at XXXX XXXX XXXX XXXX  to this high yield savings account. Due to a problem with the Comenity computer system the account was opened in my husband 's name. I never entered his information or his SS number on the application. I called their customer service number on 4 occasions and have been unable to fix this problem. They told me no funds would be transferred until the situation could be corrected but the funds were taken from my account on XX/XX/19. 
I explained that opening up an account in a name without any corresponding back-up documentation is fraud but they to not seem to care. Unfortunately the account is earning interest and I will receive a tax statement with my husband 's name and my social security number. The company is unable to send me a copy of the original application and said they do not have access to this information. This would prove that the account was opened incorrectly by their institution but they will not provide it to me or my husband.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
There are still inaccurate items found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : 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 2017-08-04
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2017 I requested online, through my account message center at PNC to close all my accounts. I was sent a reply stating that my accounts would be closed by XXXX XXXX 2017. My account was not closed on XX/XX/XXXX and is still opened. I talked to someone on PNC chat on their website acted as though they did not know what I was talking about- despite I sent a copy of the email reply. The person on chat told me that I would have to zero my balance out first. I have kept very little in this account and the balance stays the same. Pnc charged me over {$10.00} cents in fees. And despite 2 requests to close my accounts - they are still opened ( despite I was told my accounts would be closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Security Credit Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDITOR : SECURITY CREDIT SERVICES ORIGINAL : XXXX XXXX AMOUNTS REPORTED : {$2100.00} & {$450.00} UPDATED AS OFXX/XX/2020 VIA XXXX XXXX XXXX I am a victim of identity theft. I have a n extended fraud alert with all three bureaus, and per federal law a creditor must call the number listed on the alert prior to obtaining or extending credit. This is a clear violation of 609, I request these accounts ( among others ) be deleted immediately before I'm forced to seek legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
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: Their investigation did not fix an error on your report

Complaint:
I previously filed complaint XXXX XX/XX/18 against Equifax for not changing the account XXXX XXXX XXXX that was included in my chapter XXXX and charged off with a balance of XXXX. It was corrected and actually removed from my report as requested ; therefore, I withdrew my complaint with your company. As of today XX/XX/18 it has reappeared on my credit report and my score has dropped once again. I want Equifax to permanently remove XXXX XXXX XXXX from my credit report. My next step is to contact my bankruptcy attorney as I know legal action can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I never received credit for a check I returned and never cashed. ck # XXXX for {$2000.00} dated XX/XX/XXXX. 

I was charged a late fee for an illegal, improper debit of my account for a mortgage payment on XX/XX/XXXX while they were holding my check # XXXX for that payment which they had received XX/XX/XXXX via XXXX and did not process until XX/XX/XXXX. 
I believe the late fee of {$20.00} was imbedded in a improperly posted deposit I made to the escrow account on XX/XX/XXXX for {$360.00}. I only received credit for {$340.00} deposit despite the amount on the actual check. 

My mortgage was sold with incorrect balances to XXXX effective XX/XX/XXXX and these issues were never acknowledged or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a suit against XXXX  as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : https : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX data breach. 

XXXX is currently reporting fraudulent accounts to my credit file, these accounts were a direct result of Identity theft and should not be apart of my credit. 

The following accounts should not be apart of my credit file. 
1.XXXX  XXXX {$330.00} 2.IQ Data {$9300.00} 3.XXXXXXXX XXXX   {$820.00} 4.XXXX {$6000.00} 5.XXXX  XXXX  6.XXXX XXXX {$6900.00} 7.XXXX XXXX  {$170.00} 8.XXXX {$430.00} 9.XXXX  XXXX  {$370.00} 10.XXXXXXXX XXXX 11.XXXX XXXX 12.XXXX XXXX  {$4000.00} 13.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Bread Financial Holdings, Inc.
State: AR
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  MUST RE-DELETE WAYFAIR BY COMMENITY ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-05
Company: EQUIFAX, 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 status incorrect

Complaint:
I am trying to update my credit record in preparation for a mortgage application. Both XXXX and Equifax have reported the exact collections reports from a medical facility. XXXX deleted XXXX reports within eight days and my record is now clear of negative information. Equifax seems to be stone walling my efforts. It is impossible to file an online complaint with Equifax because the site has a permanent screen display that indicates that they are undergoing updates and/or repairs! It is obviously nothing more than an effort to discourage the consumer.If an inquiry is made it is immediately reflected on reports from all CRAs. If XXXX investigates an alleged collection and deletes that collection, why is the same report not deleted from the Equifax record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, one of the Major Credit Bureaus Equifax exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against Equifax as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX  : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Application number XXXX for Paycheck protection program submit XX/XX/XXXX .They didn't respond till XX/XX/XXXX application has been canceled reason is the documentation provided didn't support the loan amount you requested.Call me today and trying explain reasons but nothing new what is not in letter what they send to me.On application what I submit is Treasury guidance : For seasonal businesses the applicant elect instend use average monthly payroll for the time period between XX/XX/XXXX and XX/XX/XXXX.Because my business is seasonal I send my bank statements to support that. On some reason bank didn't use that documents they used only my tax preparation for XXXXThis is reason why I filing complaint.They did discrimination : Refusal of available loan or workout option even through you qualify for it based on advertising requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The matter being brought up by Lyons, Dougherty, and Veldhuis was dropped from going to court over 2-years ago. Out of nowhere, this company, on behalf of XXXX XXXX, has brought it back up stating that they are suing me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo bank rearranged my debits to collect insufficient funds. The purchases I made could not have been done if I did not have money in my account at the time. They charged me 5 overdraft fees for one actual overdraft -- a total of XXXX dollars in fees.

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 2020-05-15
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a citi bank account on XXXX, submitted my paystub to verify my account on XX/XX/XXXX ( documented in my email ). Citi then locked my account ( can't access my money ) and said they never received my document. This was on XX/XX/XXXX. I resubmitted my documents, and the email says approval within XXXX days. It is currently the XXXX, which is more than the days in the email. I have called them multiple times, but to no avail because they always say it's another department that reviews these documents. As of now, 90 % of my money is in that account and I need to pay my bills soon.

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