BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
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:
This is my second complaint file with the CFPB against XXXX XXXX. They are reporting an account on my credit report as a tradeline instead of an inquiry. I never received money from them. After my first complaint, they reached out to me by phone and stated they are unable to respond to my complaint by letter/mail ; even though, it is stated by law this must happened. The representative who called me wanted to verify information with me over the phone, I mentioned to him, they have all the information they needed, but if they were missing information to please requested in writing. I asked him to please respond to the several letters that I had sent them, and he continued to decline to follow through with the request to submit their response by letter. I do not know what else to do. I have not received a single letter from them since they reported that account inaccurately on my credit report. The credit bureau is also ignoring FCRA guidelines, and it is not removing it from the credit response despite my several attempts to showed them XXXX XXXX did not respond to me in a timely matter. XXXX XXXX is using deceptive practices to report inaccurate information on my credit report, and this is affecting me. How else could you help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As recently as this morning and after days and hours of working with the banks technical support team I still could not access the On Line Data Base. I sill could not retrieve the data I needed causing major impact! I was advised due to recent changes the bank " does not allow the use of XXXX Operating system system '' They advised I could use my mobile phone but after multiple attempts that also did not work and they had nothing to offer when I explained this was wireless and open to hacking! I have been hacked three times previously and do NOT want to use this method. They suggested going to the branch who could definitely assist. However at the branch they informed me due to policy changes they could NOT assist! Furthermore attempts to reach a manager produced nothing! They are never available and they stated I would get a call back within 24 hour to 48 hours but not so A! LIE Their automated system malfunctions, not hearing correct input, forcing reentry and then when you do connect it does not pass the account information along to the agent. This has caused me significant monetary delay and financial loss! Also calls going OFF SHORE answered by their staff who request my social security number in lieu of account number. I asked if they could use my last four they said NO the whole number! So much for the facade of security and to protect my account! Wither incapable or liars, either one bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX

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 2019-06-12
Company: Experian Information Solutions Inc.
State: OH
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 asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been a victim a 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 2020-06-23
Company: CBC Companies, Inc.
State: MA
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:
XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX Factual Data reported on credit report XXXX XXXX XXXXs reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: D&A Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from D & A Services , LLC for a debt that is not mine. The amount of {$2800.00} from the original creditor XXXX XXXX XXXX XXXX and current creditor XXXX XXXX XXXX XXXX XXXX, XXXX are banks I have never worked with or received loans from. 

The D & A account number is # XXXX and the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Either they have the wrong person or someone else used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: SYNCHRONY FINANCIAL
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019 my wife purchased an item from XXXX XXXX XXXX. The purchase price was originally {$27.00} or {$28.00} USD. When the charge finally posted to our credit card, it was a charge for {$99.00} USD. She messaged the place that charged our card, and told them they were committing fraud, and we wanted to CANCEL the product, and be issued a refund. They said it could take up to 15 days. Seeing as how they have already committed fraudulent charges on our account, we weren't taking chances. So I notified Synchrony Bank our credit card issuer of the problem, disputed the charge as FRAUD. Lets fast forward to XX/XX/2019. Synchrony still has to reverse or remove the charges, has told us it will take up to 2 billing cycles to resolve the fraudulent charge, take 2 days to respond to any email, and now I can't see my messages on their website. I have had credit cards in the past, and never have I had such a hassle dealing with a company to get a fraudulent charge removed from my statement. Most places are like ok, sign the affidavit, and its done. I had a card opened and closed with a XXXX USD balance. That was fraud, and it took less than a month for it to be resolved. XXXX is a long ways from 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 monetary relief
Consumer complaint received 2019-05-18
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019, a Over Draft was made to my PNC account. However, I cleared the overdraft the same day and as per PNC customer service they were unwilling to refund me back my Overdraft fee. As per PNC checking account guidelines in order to not get charged an overdraft fee the overdraft must be cleared in the same day. I followed PNC guidelines and were still charged a {$36.00} overdraft fee when I told them I need to pick up my prescription they dismissed it, and said there was nothing they can do. 

My Reference number from my PNC call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
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:
Fraudulent account identity theft XXXX co XXXX Open XX/XX/19 Amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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:
not mine : all FCRA violtions XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX CARD Account Dispute Reason Selected Edit Payment never late Comments Edit send proof of late payment RemoveXXXX  XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit never late send proof RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My response to a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX : XX/XX/2018 FAXED TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RI XXXX Re :  Account # XXXX Your letter of XX/XX/2018 indicates my loan is past due. I submitted on or about XXXX  XXXX the appropriate forms to move my monthly debit from my former XXXX checking account to my new XXXX XXXX XXXX account. 

I contacted your office by phone about the time of the referenced letter indicating that neither my old XXXX account nor my new XXXX account had been debited and was told by a not particularly helpful representative that it may take one or two billing cycles to take effect. 

For more than two years I have not missed a payment and have, in fact, paid {$500.00} per month so I am well ahead of the loan payment schedule and can not be past due. 

Please take steps to implement my new XXXX XXXX XXXX account and the monthly debit of {$500.00} against the referenced loan. Also, take steps to remove the negative impact on my credit record as I am effectively NOT in arrears. 

Thank you. Inform me that these actions have been taken so I have a record of the action. 

Regards, XXXX XXXX XXXX, XXXX. 

Cc : Acting Director XXXX XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2015 I was injured and had to go to the hospital. I was charged {$990.00} and since i didnt have insurance the rate was significantly higher. 
XXXX 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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.

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 2019-06-12
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:
First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.

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 2019-05-21
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:
I am filing this complaint as it seems like Equifax is blatantly ignoring my requests to delete a bankruptcy Chapter XXXX # XXXX that is on my report. On XX/XX/XXXX I sent a dispute to delete this bankruptcy informing them of all the errors that this entry had and on XX/XX/XXXX they sent me a response via mail stating that it was verified through XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. On XX/XX/XXXX I sent a method of verification to which they replied on XX/XX/XXXX without providing any information except that it was verified via XXXX. I then sent another dispute via certified mail on XX/XX/XXXX requesting for the removal of said bankruptcy because it was not verified, I included the letter from the Bankruptcy Court stating that the court DO NOT provide information regarding bankruptcies to the credit bureaus, and on XX/XX/XXXX, past the 30 days for response, Equifax sent me another letter stating that it was verified via XXXX. On XX/XX/XXXX I sent a final letter asking Equifax to delete this entry because it has not been verified after all my previous correspondence, along with the letter from the Bankruptcy Court, and parts of my report with XXXX where it shows that there is no entry related to a bankruptcy. To my disappointment, on XX/XX/XXXX Equifax replied stating that it was verified via XXXX. 
On XX/XX/XXXX I spoke with a supervisor at Equifax and this person was telling me that XXXX inserted this Bankruptcy on my report, which seems strange because it should come directly from the bankruptcy court. Then this person proceeded to say that in case there was no bankruptcy in my XXXX XXXX report, then XXXX needed to inform Equifax and IT WAS NOT Equifax JOB TO INVESTIGATE this entry. 
How can Equifax not provide method of verification?, how can I know for a fact that they did a comprehensible investigation if according to the last representative I spoke with, Equifax DOES NOT INVESTIGATE?, and if they verified/checked XXXX, and there is no bankruptcy on my file ( for which I provided proof ), they are still stating that the bankruptcy was verified via a 3rd party company that does not have this bankruptcy in my credit file? therefore I DEMAND THAT THIS BANKRUPTCY BE DELETED from my report IMMEDIATELY. I am attaching all the correspondence I sent to them as well as the companys response ( in which they repeatedly states that XXXX was used to verify this bankruptcy ). It seems like they are LYING and not conducting an investigation AT ALL. 
I don't think that at this point there should be no additional investigation ( Equifax had 3 months to actually provide proof/verification/reach out to XXXX XXXX and it is clear that they are not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I rang Cititbank to activate the new credit cards they sent.

I was in tears after being transferred 4 times in an hour, and despite providing all my personal information I still could not be given access because of one forgotten security question. It seems questionable that in spite of all the information I gave that it all hinged on one question which was unrelated to anything of real meaning.

Other simple methods like texting the contact mobile numbers did not work, and even though I only wanted to activate a new card, we are considering closing the account after the hour of torture and their inability to run an effective service.

Even more ridiculous, is that one of the representatives tried to use a marketing incentive to gain a gift card, when I needed a resolution to a simple and commonplace problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.

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