BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an email from Equifax telling my dispute has been completed and to follow the link in the provided email to view the results. With my confirmation number I click on the provided link and fill in my personal information and click check status. I am than greeted with an error message from Equifax stating the information I provided doesnt match their records. I am able to successfully login to my account and view my credit report, but unable to view my dispute results with my correct personal information. I do not understand why I can not get my dispute results. I have tried getting through to Equifax unsuccessfully via phone. Ive had problems with Equifax since XX/XX/2018 when I tried to get a free copy of my report, each time I was told either my information didnt match what they had on file or my process to receive my report online couldnt be completed and i needed to request my report by mail. Since than I filed a complaint with my states Attorny General and miraculously after complaining I was able to get my free report online for the first time with no problem. I was told I could view my free report for 30 days, every time I try logging in I have to reset my passcode just to be able to login again. Equifax does not remember the password I set. This happens every time I login to Equifax and quite frankly Im fed up with dealing with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CNG HOLDINGS INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made a purchase at XXXX for a XXXX dishwasher. I was going to pay cash but this would have put me in a bind financially until I got paid again.When checking out the store clerk told me about their credit program to get it financed. I was to make payments of XXXX and my final pay off date would be XX/XX/2018. If I wanted to pay off the loan or lease sooner I could call the company after 3 payments. I thought this sounded great. I was unaware they would continue to bill for XX/XX/XXXX through XX/XX/XXXX. I then called the leasing company several times, Why Not Lease It. The company 's representatives stated the best deal that they could give me was XXXX off which was the XX/XX/XXXX payment, if I paid XXXX in XX/XX/XXXX and XX/XX/XXXX. Of course, I agreed since that was the best that they would help me. I wish I have never chose to lease the dishwasher because I've paid XXXX over what I initially signed up for. The instructions on the lease were very misleading and states the payment plan until XX/XX/XXXX. The costumer service agents were very rude and insulting, though I called them 3 times to resolve this issue. They acted like they did me a big favor for saving me from paying another payment of XXXX in XX/XX/XXXX and insulted me because I was upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been 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 2018-08-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On or about XX/XX/2016 a promissory note was created, It was backed up by U C C codes and validation Acts of 1933, And Federal Reserve obligations etc. This promissory notes # XXXX was Notorized by a state of Nevada notary public and validated. This negotiable instrument was sent to : XXXX XXXX XXXX, CFO< Wells Fargo Bank Corp. XXXX XXXX XXXX XXXX XXXX, CA XXXX. Note # XXXX was made out for : {$55000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). After a real brutal divorce, my credit was very low and in negative standing. At the time i owed Wells Fargo Bank {$220.00} ( XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). This negotiable instrument # XXXX was issued to settle my debt to Wells Fargo Bank, and the remaining balance of {$55000.00} was instructed to get deposited in my current account with Wells Fargo Bank, which was supposed to be used as capital for my current business : Handy 1 Contractors. I do complete home renovations and build homes whenever given a chance.

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 2018-08-12
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is a complaint against PNC BANK. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS   XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

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 2018-08-12
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against CITICARDS CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

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 2018-08-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2018-11-14
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 was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedXXXX XXXXL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 EQUIFAX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Lendmark Financial Services
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company sold this account, but yet still reports this to the credit bureau as negative. Both companies are reporting the exact same account that was taken over by the co signer and is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to XXXX XXXX, XXXX XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The XXXX XXXX XXXX account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my XXXX report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my XXXX report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted XXXX numerous times regarding this situation but have always gotten sent back to Capital One with no success, and my good standing XXXX XXXX XXXX account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the XXXX   report. This document also shares the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Camelot Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have and installment with XXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from may. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXX XXXX, which is right next door to XXXX XXXX. XXXX XXXX   XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2018-08-11
Company: JPMORGAN CHASE & CO.
State: IL
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:
XX/XX/XXXX I was solicited online while I was making an airfare purchase that if I opened a Chase United Mileage Plus Explorer account I would save XXXX off of my first purchase. I opened this account with the understanding I would receive a XXXX statement credit after my first purchase and may take up to 6 to 8 weeks to reflect on my statement. After the 8 weeks, I still had not received the credit I emailed Chase, I included a screenshot of the promotion that was solicited to me and was told they do not have that promotion and that I signed up for something different.

After looking up reviews of this promotion I had found MANY other credit applicants who also had not received their promotional {$100.00} statement credit. Chase has done a bait and switch on many people applying for this Mileage Plus Explorer card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
After months of back and forth and no verification provided all medical from merchants credit had been deleted I even provided a letter from them saying it would send notice to delete to credit bureau .... in XXXX XXXX said accounts were deleted NOW THEY HAVE REAPPEARED WITH NO NOTICE ... written notice nor verification ... this is against the FAIR CREDIT REPORTING ACT which clearly states you can not do that without notification nor can you reinsert previously deleted items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I mailed letters to both Experian and XXXX  on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. Experian has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.

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 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Entity : XXXX XXXX XXXX. 
XXXX No. : XXXX Loan Program : PPP Loan Forgiveness Program I have a PPP loan through B  of  America. Since XX/XX/XXXX, I have been trying to resolve this PPP loan so that I can close my account with Bank of America. I was told by XXXX XXXX at XXXX XXXX ) XXXX @ Ext XXXX about two weeks ago that she will link to my account portal to email XXXX of XXXX and XXXX of XXXX. I do not see that link in my account. When calling that number after 20 minutes of holding, all calls gets disconnected over and over again. I need to resolve this PPP loan and end my relationship with Bank of America. Their customer service is a four letter word in capitals for small business. I strongly believe that Bank of America is PURPOSEFULLY DISCRIMINATING small businesses for PPP loan to extract more fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
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:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, My last attempt to resolve this issue I requested TransUnion, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile. Since i have not received documentation from TransUnion files to verify the accuracy of these disputed accounts please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Account are as follow : ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief