BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
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:
hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.

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 2022-12-20
Company: BARCLAYS BANK DELAWARE
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:
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX XXXX C
BARCLAYS BANK DELAWA

FCRA Violation: hard enquiries not mine XXXX  CREDIT

FCRA Violation: addresses and name not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation: auto loan never late
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 explanation
Consumer complaint received 2018-09-01
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from experian, XXXX, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.

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 2022-12-20
Company: EQUIFAX, INC.
State: TX
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 had ask credit bureau to investigate the amount owed and send me the results never received it telling me was verified not good enough

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had ask credit bureau to investigate the amount owed and send me the results never received it telling me was verified not good enough

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 2021-09-08
Company: EQUIFAX, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried unlocking my Security Freeze with Equifax on XX/XX/2020. The login feature on their website indicated that my password was incorrect. It asked me to call XXXX. I called the number and a woman asked me a series of questions about my credit history. She stated that I gave her incorrect information about my credit history ( all of the information was accurate ).

The stated the information was not showing as correct. I was able to lift my security freezes easily with XXXX  and XXXX. I'm in the process of trying to buy a home. 

I was hung up on twice by Equifax representatives trying to resolve the matter. My information has never changed and I've logged in more than 5 times over the past two years with no problems. 

Equifax either has bad data or technicians that aren't inputting information correctly to verify identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AL
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:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " XXXX, XXXX, and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection company Pmab llc. Calls my phone with the number XXXX then calls with XXXX and then calls with XXXX all back to back. All are robot calls which are recordings. I have registered my phone number with the no call registry list back in XX/XX/XXXX. It happened on XX/XX/XXXX and XX/XX/XXXX. I don't own or admit to the debt. With my phone number registered for the no call list. There is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: SYNCHRONY FINANCIAL
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:
Upon dispute with Syncrony bank acct # XXXX due to identity theft Syncrony bank have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.

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 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business and I deposited a check paid to me from the University XXXX XXXX. 

For no reason given Bank of America has placed my check on hold for ten days. I deposited the check on Sunday the XXXX of XXXX and Bank of America is holding the check till the XXXX of XXXX. 

I've reached up to the bank and they said they couldn't give me a reason for the hold.

According to federal law they can not just hold my money without giving me any reason, and least for 10 days.

I need that money to pay bills and the bank has no right to hold my money for such lengthy period of time.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-07-25
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called chase at the end of XXXX early XXXX and I spoke with a representative about a late payment. She assured me there would be no negative reporting unless I was 60 days past due which is basically 2 months past due. My due date is on the XXXX I paid on the XXXX and received notification that it was reported negative on my credit on the XXXX which was explained to me on the date that I called. Now they are not wanting to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Innovis
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 would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started my permanent modification payments of {$1100.00} with well fargo on XX/XX/XXXX. They did and escrow analysis in XX/XX/XXXX starting with the XX/XX/XXXX payments and never credited the payments made in XXXX, XXXX and XXXX therw for my escrow came up very short the same in XXXX they 4an an anlysis for a year and a half and escrow was short again. In XXXX of XXXX I started dealing with them as far as reasearch and i kept being told they they i still researching this during this time they accepted the lower payment until XXXX and in XX/XX/XXXX we were served with forclosure papers. I advised them our homeowners insurance and taxes were lowered and asjed them to reanalyze the escrow in XX/XX/XXXX, they refused at this point we are trying to modify the loan again because we cant afford the XXXX payment due to all the escrow shortages they are charging us for and now as of XX/XX/XXXX WellsFargo is transferring our loan serving to 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 2021-05-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account with {$1000.00} for no reason on XX/XX/2021 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX gmail.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, Transunion and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : XXXX XXXXXXXX Past Due : {$1300.00} Most Recent Payment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect a debt on charges they allowed to run up after being notified that my pet passed away. When I spoke to them they told me that they would update their records but I still had to pay them for care on my deceased pet.

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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been working for someone thinking that Ive been receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then send to the person Ive been workin for. Recently, my bank has closed my account saying because their bank accounts say XXXX fraud. When they are the one sending me money. I am not a scammer and I know nothing about it, and I didnt know that the one I was working for has been XXXX  people into giving them money, placing it in my account. I am a victim in this case too, because I had no idea that my account had been included in fraud work. I simply received XXXX  with money and I would send it to the person Ive been working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navient is repeatedly calling my husbands mom, his step dad and now their land line. They are also repeadely calling my mom and dad and now my employer. I have told them in XX/XX/XXXX to stop calling my husbands mom and step dad as well as my mom and dad as they have my number. I also told them to not call my place of employment. I told them to stop calling me 4 times a day When i talk to them they threaten me that because my loan is in default they can get a lean on my house and wage garnishments. They repeatedly ask me for my finiacial information to post date a check of XXXX after i have told them i can not afford that right now due to my husband being part of the federal government shutdown and funds are tight. So now the lady today XX/XX/2019 threatens she will continue the collection efforts and she can legally call me 8 times a day. I told her i work night shift and to stop calling me during the day as i am sleeping!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Cascade CISS Holdings, LLC
State: NC
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked my credit report to notice it was a credit card opened under my social security number but a different name ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation