BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: MA
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. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against Equifax, XXXX and XXXX. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the Equifax, XXXX and XXXX are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau XXXX  XXXX XXXX  {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2018 EQUIFAX XXXXXXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXXS XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX bank {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : XXXX XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and associate general counseXXXX XXXX XXXX XXXX XXXX Vice President XXXX corp XXXX XXXX XXXX fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

This company keeps telling me to re-apply but i keep getting denied for various reasons. 

I am ready to go to the state attorney and file discrimination charges, This bank tells you top apply then denies you for various reasons. 

Enclosed various denials from the same company So which one is it? 

1. No history of credit ( lol ) 2. Too much credit 3. You can't verify me 4. I closed accounts with you 5. You closed accounts on me 6. You can't verify my identifications even though it has been sent to you several times So tell me which XXXX excuse is it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: OR
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:
Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I was charged {$95.00} by American Express. Over the years, I received advertising from American Express about their " Extended Warranty ''. I wrote to American Express on XX/XX/XXXX ; this is the first claim I have filed with American Express in twenty years of using this credit card. I have not had a response. 

My letter of XX/XX/XXXX to American Express and related correspondence is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-09
Company: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I telephoned Discover Bank that I would not renew my Certificate of Deposit ( CD ) which would mature on XX/XX/XXXX. I requested that the matured value in the amount of {$170000.00} be returned to me. 

On XX/XX/XXXX, approximately two weeks after the CD maturity date I had not received the money and I phoned Discover Bank and complained. The Bank account service person ( ASP ) acknowledged that the check had not been cashed and said that a new check would be issued. 

On XX/XX/XXXX, having not received the money, I sent a certified letter to the CEO of  Discover Bank stating my complaint. A copy of the letter is attached elsewhere in this document. 

On XX/XX/XXXX I still had not received the money and again complained to the bank. I was again told that a new check would be issued. I said that I should receive compensation for the banks unreasonable delay in returning my money. The ASP said the bank would deposit twenty dollars ( {$20.00} ) in my savings account as full restitution. I declined the offer. 

On XX/XX/XXXX I received an Extremely Urgent XXXX delivered package containing the check -- -28 days after the CD maturity date. I am now again requesting that Discover Bank compensate me for the unreasonable delay in sending the matured value of my CD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Experian on multiple occasions regarding an inquiry from a company XXXX XXXX XXXX I do n't recognize this inquiry have never gave them permission to pull my credit report. They have failed to investigate in to this matter for me and send me validation of why this inquiry was placed on my credit report. They continue to send me their generic response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account status incorrect

Complaint:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
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: Account status incorrect

Complaint:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Navient Solutions, LLC.
State: MD
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:
On XXXX XXXX I filed a Better Business Beaure complaint against Navient who is currently stating on my credit report I was 90 days late in 2015 but only have XXXX marked which is only 30 days. When I called Navient, they have stated my account is Archived and that they no longer can pull up information on me. I am requesting that Navient remove this false information off my 3 credit reports please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up to complaint XXXX. 

Yesterday, XX/XX/2021, Commenity Capital Bank XXXX, ex XXXX, XXXX XXXX, contacted my son, XXXX XXXX XXXX, in XXXX, CA, who is XXXX years old, and was asking question about me regarding a debt owed. How in XXXX these XXXX  got information about my son, I don't have a clue. This is continued harassment about debt that does not and never has belonged to ME! XXXX  the XXXX  down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: I.C. System, Inc.
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
A merchant can not charge a debit card or a credit card without your permission they are situations where merchants may put through a charge, but they are rare and usually involve other issues. On XX/XX/XXXX and XXXX, a person from XXXX contacted me via email. Since directly after speaking with him, my credit card was charged using a card that I use for a one-time payment in XX/XX/2019. With that said, I provided zero account information during our conversation. I requested from him to tell me exactly what he needed from me in writing. Since none of my account information was needed from XXXX to charge my personal credit card. 
I demand the following collection account be verified or removed immediately Name of Account Account Number Provide Physical Verification I C SYSTEM 11 XXXX Unverified Account

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 2020-10-10
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for NAVIENT. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still  reporting? Also, wasn't Navient  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Kriya Capital, LLC
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: Public record information inaccurate

Complaint:
A collection account is now listed on my credit and after numerous attempts to get the collection agency to validate the debt they have still refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
it would not allow me to connect with my PNC bank account I have already contacted PNC and they said they see no issue on their part that it is your site preventing me from connecting my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Account status incorrect

Complaint:
This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: eMoneyUSA Holdings, 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: Account status incorrect

Complaint:
I filed a complaint against emoney complaint ID XXXX. They were not reporting payment activity or payoffs. They fixed the payoff but reported the loan closed that I am paying on now. This is incorrect information. This has a negative impact on my credit. I am positive they did this on purpose due to the fact that I had to report them to report accurately. Completely unprofessional. The loan ID XXXX is open and I am paying on time. It needs to be reported that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 FCRA the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX. USC 1681 Sec 602a states that I have the right to privacy. 15 USC 1681 Sec 604a Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. 

Ive spoken with XXXX  and confirmed I never opted in to reporting and that Pursuant XXXX XXXX I was never given proof of my ability to opt out of credit reporting which is a violation of my rights. The credit bureaus are working with this company to defame me and have ignored all requests to rectify the situation without federal litigation.

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.

Company response to consumer: Closed with monetary relief