BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When we moved from our home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL we closed the XXXX XXXX account with the last day being Friday, XX/XX/2017. 
We moved to XXXX XXXX XXXX XXXX, XXXX, FL and received a bill for charges XXXX through XXXX for {$160.00}. 
I contacted XXXX 's collection department on XXXX and spoke with XXXX in customer service who admitted the charge was incorrect and that would correct it. I was told the charge for the 4 days would be about {$24.00}. 
We were told that it might be a couple of billings before the correction would be made. 
We never received a corrected statement and received a noice from the collection agency dated XXXX. We called them on XXXX to dispute the charge. We received another collection statement dated XXXX and it was for {$160.00}. We contacted them and they told us that XXXX had checked the statement and said it was correct. We informed them that we would be in touch with Consumer Financial Protection Bureau in order to get the billing correct. The new charge on on both of the Collection agency billing was {$160.00}.

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 2023-02-07
Company: EQUIFAX, INC.
State: NY
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 went to a car dealership to and they said they would only be using kia now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 explanation
Consumer complaint received 2020-09-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, am reporting against the business, Carrington Mortgage Services. They have been reporting me being late on payment going back to XX/XX/2018. What occurred was Carrington Mortgage picked up my mortgage from XXXX XXXX XXXX  which the transaction was not successful. XXXX XXXX XXXX  withheld money in the transaction to Carrington Mortgage. We were reported by Carrington Mortgage that we had been late on payments from XX/XX/2018. Carrington wanted their {$300.00} and didn ; t consider the amount transferred from XXXX XXXX XXXX. 

We have been making payments to the company every month. The company does not want to provide correction to the credit bureau on making payments on a timely basis. As an active serviceman, the company had been not providing accurate service regarding me being a good customer to the credit bureau. The company does not have a section that resolves these issues. The only thing they have is a record department that has been non compliant in assisting me with my credit to the company. This issue is placing problems with my active service record and clearance status. 

Carrington has not been compliant with customer service relationship with me nor members of my family during this time. 
I want them to take this off my credit. I have never been late paying my mortgage and the company doesn't care. We paid this XXXX {$300.00} a while back and the company still does not want to establish it. 

I want my credit to be fixed and for them to correct this. This is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: VW Credit
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:
I am victim of equifax XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the VW Credit Inc {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I was charged for XXXX for 2 XXXX plane tickets returning from XXXX to XXXX on XX/XX/2020. Due to XXXX XXXX, my plane flight was cancelled, despite me already being in the country. XXXX promised they would book me on another flight home, but unfortunately this never happened & I purchased a new flight home with another airline. 

XXXX told me they would credit this charge, however I have not seen any such credit. I dispute the charge with my credit card provider, Citi Banks, but they rejected the dispute. They rejected this dispute because XXXX showed them a flight manifest from a flight weeks prior as proof that I had boarded the flight. I pointed out to Citi Banks representatives that this was not the flight in question. I also forwarded documentation showing the flight in question was cancelled by XXXX, the merchant. 

On top of this, I purchased trip insurance for XXXX USD which should cover all of this. No luck there either. 

To me, this is a clear case of a merchant being unable to provide the services I paid for. For Citi Banks to accept a flight manifest for a flight that does not even match up with the disputed charge shows some level of incompetency or inefficiency with their dispute process. And for XXXX, to provide this incorrect documentation to Citi bank is just very disingenuous and shady.

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 2017-09-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After the XXXX scandal, I went on line on XX/XX/XXXX to freeze my credit report with XXXX, Experian, and XXXX. I was able to successfully freeze my reports for both XXXX and XXXX. However, at the end of the on-line Experian process, the Experian site and only Experian site, displayed a page instructing me to " upload documents ''. They did not specify which documents. Unless I completed this section, I was unable to freeze my credit report with Experian. Today, XX/XX/XXXX, I called their number : XXXX for assistance. The person I reached knew nothing about this " upload documents '' issue. I told her that many other people have reported the same problem. I asked to speak to a supervisor and was told that, to do so, I would have to wait at least fifteen minutes ( probably longer ) to speak with a supervisor. I told her I did not want to have to report this to FTC and wanted to resolve it with a supervisor instead. Again, she said I 'd have to wait on line for 15 minutes.
Since this is not something either of the other 2 credit reporting agencies are requesting, I think FTC should intervene and protect the millions of people who are trying to protect themselves by responsibly taking measures. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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 contacted XXXX XXXX to explain to them that I have never opened an account with them. And as a matter of fact I was XXXX when the account was fraudulently opened. I told them this and asked for them to remove their reporting from all 3 credit bureaus that they are reporting to. It has been over 30 days and they have yet to remove their fraudulent charge from my report. They are affecting my ability to get a good finance rate on a car loan. I am requesting they remove this fraudulent charge immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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:
Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to grant me a loan. There were hard inquiries in XXXX on all 3 credit reporting agencies and there should not be any.

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 2020-04-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I disputed a item that was incorrect on my credit report. The incorrect item which is AFNI. The credit report agency reported that the item was verified. I sent a certified letter to AFNI requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM AFNI. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX. to the address reported on my credit report which is XXXX XXXX XXXX XXXX , Il XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/XXXX and they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-09-10
Company: National Credit Adjusters, LLC
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:
On XX/XX/2020 I sent certified mail to National Credit Adjusters , LLC to investigate an entry that appeared on my credit reports from their company in the amount of {$1100.00}. The account does not belong to me and should not be on my credit reports as National Credit Adjusters , LLC have not provided me with any legal documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Account status incorrect

Complaint:
In XX/XX/2018 I discussed a payment extension with this creditor for the XX/XX/2018 installment. At the time I lived in XXXX  and was in the process of relocating to XXXX. The representative who agreed to process my extension for the installment due XX/XX/2018. I relocated to XXXX  on XX/XX/2018. I never received confirmation this extension was processed. 

My mail began being forwarded sometime in the month of the XXXX. Once I moved, I never received the document to reflecting an extension. As a result, my loan began reporting past due over 30 days late as of XX/XX/2018. 

I contacted Chase again on or around XX/XX/2018 advising them my credit bureau reported incorrectly and should show an extension was process for XX/XX/2018 installment payment. The representative explained the loan was 30 days past due and the extension was never processed. She said a letter for the extension was never returned and therefore was not processed. Evidently the State of XXXX   requires an agreement for extension be signed to execute. At that time the representative acknowledged since I now resided in XXXX  the payment for XX/XX/2018 and XX/XX/2018 could be extended with the next payment due XX/XX/2018. Upon reciting company required disclosures an extension was processed for these two installments and my loan was brought current. 

My bureau currently reflects a 30 late payment for the XX/XX/2018 which should be corrected to reflected CURRENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Truist Bank about verifying details for an account I know nothing about. This is identity fraud and needs to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: TX
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:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I called PNC Benefits to order copies of 401K statements that were not available online due to the dates. My 401K still resides with PNC although I no longer work there. I needed statements from XXXX through XXXX for a property settlement scheduled in court for XX/XX/XXXX. She indicated this was plenty of time for me to receive the documents and assured me I would have them. It is now XX/XX/XXXX and I still have not received these documents. I missed my court date and the assigned mediator may no longer be a partner on our case. This is not the first time the benefits department has failed to produce requested documents on this same property settlement. I was assured after complaining of not receiving these documents and how it impacted my case that this would be escalated to management and there was no reason I should not have received these by now. I spoke again with someone there last week and she assured me a supervisor would contact me THAT DAY. Nothing..I am now in jeopardy of not having the documents after rescheduling the hearing for XX/XX/XXXX as I will need them prior to that date to review with my attorney prior to the hearing. I am currently in communications with my attorney and XXXX also file a legal suit against PNC. This has added additional stress in addition to the legal situation at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I RECENTLY REVIEWED MY CREDIT AND NOTICE A COLLECTION FROM DIRECT MANAGEMENT STATING THAT I OWE A ALLEGED DEBT OF XXXX $ FROM XXXX XXXX, WHICH IS INACCURATE AND I DO NOT OWE.I SENT A LETTER ON XXXX XXXX US CERTIFIED ASKING FOR THE INFORMATION DEALING WITH THIS ACCOUNT AND HAS ATTACHED A COPY BELOW FOR YOUR VIEWING AND ASSISTANCE.

Company response to consumer: Closed with non-monetary relief