BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
FRCA Violation credit card XXXX XXXX FRCA Violation personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX NA Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXXT XXXX Mortgage XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase XXXX XXXX General Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry XXXX : XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: MERCHANTS ADJUSTMENT SERVICE, 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:
I am a victim of identity theft, my personal information was leaked in a recent breach by XXXX, XXXX XXXX. I noticed several accounts that are reporting that aren't my account along with inquiries. By law i must allow permission for someone to go onto my credit file, which i didn't give. That is breaking the law of FCRA several sections. 
NOTICE OF INTENT TO FILE COMPLAINT Dear Sir/Madam, I am hereby sending you this letter as formal notice of my intent to file a complaint with the Federal Trade Commission ( FTC ). 
I notified you on two separate occasions, that the following account is not mine and needs to be deleted immediately. 
Name of creditor : 1. XXXX XXXX  2. MERCHANTS ADJ SERVICES You have ignored my two previous letters requesting deletion of this account. And it continues to remain in my credit report. The enclosed copies of letters and mailing receipts are proof that you have been delivered by registered mail both a dispute letter, dated XX/XX/2019, as well as a follow-up letter, dated XX/XX/2019. 
By law, you are required to respond to consumers credit report dispute letters within 30 days. Be advised that you are in violation of the Fair Credit Reporting Act, and that the Federal Trade Commission investigates complaints for failure to respond, yet you have failed to comply with these Federal regulations. 
I hereby demand that you immediately remove this account from my report. If you fail to do so, I will file a formal complaint with the Federal Trade Commission. Furthermore, I intend to file a lawsuit in civil court for damages, costs and attorney fees, should you continue in your deliberate disregard for the law. 
I hope that we will be able to resolve this problem, so that no further action will be required. 
Please send me an updated copy of my credit report. Also, send a copy of the revised report to each creditor that has received my credit report within the past six months, or the past two years for employment purposes. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
AAA accepted and cashed a check in full and final satisfaction which is a written contract accepting final sum. They refuse to stop billing and are now assessing penalties and interest and sending me another card and another bill despite the fact that I have communicated with them to discharge and close out this credit card. 

See attached

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 2022-04-28
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:
FRCA Violation credit card XXXX XXXXXXXX FRCA Violation personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase XXXX XXXX General Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry XXXX : XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
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:
To Who it May Concern, I recently sent a dispute to Experian Credit Bureau to update my payment for XX/XX/2021 for my auto loan XXXX XXXX XXXX XXXX ) since it showed blank but was on time. I have always paid that account on time and asked them to update it. It is the oldest/best account on my credit report and I actually paid it off early. Experian deleted the entire account/ payment activity/ history off my credit report and my credit dropped XXXX points. I called them and spoke with someone and they mentioned they can see how i only wanted XX/XX/2021 payments status updated and had no explanation only to call the auto loan company. I called the auto loan company and they said they didnt do anything to delete my file that it should be good for at least 7 years and it was Experian who deleted it as you can see in the dispute results. They've done something similar when i opened up an account for tires at XXXX XXXX and wanted the payment information updated and they closed that account. I'm currently looking to buy a house and they really ruined my chance of getting a good rate. They said there is nothing they can do even though they are the ones who deleted the auto loan and wouldnt retract my information even though it's still available in the dispute results tab. They need to be held liable since in America we depend on our credit to live a decent life.

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 2021-12-03
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt is with property XXXX XXXX XXXXXXXX XXXX  realty living there 2 years I was never late. I moved out because I had a serious problem with the property manager XXXX XXXX with renewing lease the correct terms promised. 
She lied about my final bill after I moved out. I told the professional debt company and disputed the amount and I emailed the property manger again she did not respond and they put it on my credit a wrong amount of {$3500.00} I went above her and they resolved the amount which was {$1300.00} and they agreed to delete it from my credit report once paid that was the agreement. After several months being paid the {$1300.00} and calls and emails to the professional debt company they still have it on my credit they refuse to take it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC Bank is so unprofessional and made me waste my time and money! I walked in on XX/XX/XXXX to apply for a mortgage loan & the first thing I did was ask if I could apply for the loan with my XXXX XXXX   because I was XXXX XXXX XXXX. I am under whats called XXXX, XXXX XXXX XXXX XXXX XXXX which allows us to XXXX and XXXX XXXX in the U.S, I am aware not all banks accept that or will only approve your loan untill your XXXX expires and thats WHYY it was the FIRST thing that I asked & I was told that they do accept it. I had all the documents needed that day because I had previously applied at other banks, I had my W2, tax returns, pay stubs, bank statements, proof of down payment, social, ID, EVERYTHING. The lady that helped me took copies of what was needed to send to the loan officer & later on  was told I got pre approved. I picked out the house I wanted and went from there. My loan officer almost NEVER called me to let me know anything about the loan it would always be my realtor having to call him and get updates. They asked for the earnest money and due diligence which was {$2000.00} total. I was told that if I backed out I would not get the money back but I NEVER backed out. I was willing to continue untill the house was mine! Then they asked for the appraisal money and that was {$600.00}. My closing date was set for XX/XX/XXXX but they kept asking for more and more documents and asked for a copy of my XXXX XXXX, so the date got moved to the XXXX. Comes XX/XX/XXXX and my realtor has to call the loan officer early in the morning to confirm & the loan officer tells her we can not proceed with the loan because I am not a XXXX XXXX and can not do a loan with my XXXX XXXX, she asked him if he spoke to me already and he said no. I waited all day for him to call me and he never did so I called before XXXX and thats when he told me we could not proceed. My point is I clearly asked before I started the process if I could apply with my XXXX XXXX and was told yes, made me spend {$2600.00}!! Money that I have to work hard for and is not growing on trees for them to say no the DAY OF CLOSING?? and tell me I cant get my money back?? Its YOUR fault for saying you DO accept my XXXX. If they would of said no I would of NEVER wasted my time with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: PA
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:
incorrect Credit Scores are reported. Every Report has incorrect scores.

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 2017-07-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was referred t o Santander Bank  by a friend and they were offering a  XXXX  for referring a friend to their bank. Also in the mail I received a promotion that if I opened an account they would deposit  XXXX  within 90 days of account opening. The account was opened on  XXXX / XXXX / 2017 . Within 90 days you needed to have a direct deposit of  XXXX  or more and within  3 we eks of the account being opened, a  XXXX  direct deposit was made which satisfied this offer. About 70 days from account being opened I received a  XXXX  gift card since my friend referred me. Now this was something you do on a website and they system notices an account was opened. When I opened the checking account, the banker placed the offer code in for the  XXXX . I recently called the branch and they said you could use both offers which I never was asked which one I wanted. This seems like a scan to bring in business and they you do not get what they promised.

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 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Owed : {$440.00} XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} 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 non-monetary relief
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, XXXX  and Experian but they did not remove it. ( i believe XXXX   first removed it but then it reappeared on my credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX  from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit  bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, Equifax and XXXX but they did not remove it. ( i believe Equifax first removed it but then it reappeared on my credit report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.

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 2017-09-27
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company has called my job threating me and leaving very naughty messages on my voice mail. This has happen a number of time, not only are they calling my work number they are calling my cell phone. XXXX XXXX XXXX is the person that is calling. I am not sure who it is for or what company he is calling about. On XX/XX/XXXX he called mentioning that he has my home address and verified my employment that was completed by some one on my job. No one here has told me that they completed a Verification of employment for me. The phone number that he is calling from is a local number but tell me to call back at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital one account and XXXX  XXXX account are not accurate The address connected to those accounts XXXX XXXX XXXX is not an address or prior address of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One, Sent a letter stating to me, that I need to open a Capital One email..so these people do what? That I sent them a XXXX XXXX dollars for their fee for the year ... 
On their website says I owe more money..for what.? On their website..trying to see where they say I owe them more money..no bill has come to my address, where these XXXX say I owe them ..and they ding my credit..where I had excellent credit and these XXXX, just take it upon their selves to bring my credit down.. 
I put itthis way with those XXXX..once they put my credit back to excellent they will get their XXXX XXXX XXXX XXXX money..otherwise I don't give a XXXX XXXX XXXX..they XXXX up credit..no bill was sent to me .... 
Ask them XXXX did they send a bill to Mr. XXXX and prove it..no they did not .... 
Look at my credit..never been late on anything..and these XXXX phuck me over.. 
I'm a XXXX Veteran was there when I was 18 years ... to XXXX XXXX XXXX ( over my credit.. ask them what bill did you send him ... they didn't didn't send XXXX to me ... otherwise I would have paid them XXXX XXXX XXXX XXXX XXXX XXXX XXXX 





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Company response to consumer: Closed with non-monetary relief