BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are 2 Fraudulently reporting XXXX XXXX  accounts showing on my Equifax Report with balances of $XXXX and $XXXX; There is also an unknown fraudulent account with a balance of $XXXX that was opened on XX/XX/2015 showing on my Equifax Report; and there is a fraudulent XXXX XXXX account showing on Equifax with balance of $XXXX. Please assist me in getting this account removed from my credit report. It does not belong to me.Also there many inquiries showing on my Equifax Credit report that was not authorized by me. Please remove the following inquiries:XXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
On Saturday, XX/XX/XXXX, I received an email from XXXX XXXX that an credit inquiry had been made to Equifax and was now on my personal credit report. The inquiry was from XXXX XXXX XXXX XXXX, XXXX, XXXX TX XXXX. 

The above mentioned inquiry is fraudulent and unauthorized. I am not an XXXX XXXX XXXX customer, nor have I authorized any inquiries into my credit history for them, nor am I or have I recently contact XXXX XXXX XXXX for any of their products or services. I reported this as a dispute to XXXX XXXX on Sunday. 

On Monday, XX/XX/XXXX I also contacted a customer service number for XXXX XXXX XXXX to gain more insight. Their representative could not help me nor could they locate any trace of an inquiry or service or product associated with my name, in their system. 

On Monday evening, XX/XX/XXXX, I received a follow up email from XXXX XXXX that they reviewed my dispute. However, their response was not at all helpful or conclusive. It read : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX. 

At this time, I am asking for the Federal Trade Commission to please review this dispute and consider deeming it as fraudulent so that it may be removed permanently from my credit report without further adverse impact. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Convergent Outsourcing Inc. stating that XXXX XXXX. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with XXXX and the remainder of the negative balance will remain on your XXXX  account."I quickly called Convergent and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called XXXX to confirm that this information was incorrect. I let them know I rarely ever use my XXXX   account and this could not be possible. The XXXX rep asked me if i have a XXXX XXXX XXXX, which I do not. He said that would be the only way XXXX  would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX 2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from XXXX indicating that this information is accurate.

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 2020-11-19
Company: Experian Information Solutions 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 never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

XXXX. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. 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 2023-06-07
Company: EQUIFAX, 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:
Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: EQUIFAX, 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:
Someones used my information XX/XX/2017 to get a auto loan with XXXX XXXX XXXX. I contacted the company and they refused to resolve the matter. I then contacted all 3 credit bureaus and requested the information be blocked under FCRA 605B. XXXX and XXXX removed the fraud account without an issue. Equifax sent me information as if they were investigating it as a dispute. Which is not following the rules on FCRA 605B. I have submitted my information several times. Equifax is not following FCRA 605B and blocking fraudulently information. Each time I request the information blocked a dispute is started and then the fraud information is updated instead of being blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Would like fraud alerts removed

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 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a XXXX XXXX on XXXX XXXX for {$22000.00} from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX I paid {$6000.00} in cash leaving XXXX to be financed. 
On XX/XX/2020 I called the finance company ( capital One ) .To my surprise my loan is $ XXXX called the dealer several times and was told I had to go the the dealership only by appointment and someone would return my call I am attempting to find my $ XXXXThe clerk keeps telling me my call would be returned. I keep calling and all Im told is they are with a customer. 
All I want is to retrieve my {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Bread Financial Holdings, Inc.
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:
1. Fraud- Credit Card Applications2. I Have received mail containing confirmation of "My Place Rewards" credit card account applications. The applications were submitted by persons that I do not know they have un authorized used my home address.3. I contacted Post Office they told me to send the letters back to the bank. I contacted Customer Service at the Bank they said that there was nothing they could do.4. Comenity Capital Bank, PO Box XXXX XXXX, OH XXXX5. The most recent names used for the fraudulent accounts are:XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureau failure to reply to 30 day complaint notice. XXXX Transunion, XXXX Credit Bureau listing in actual information that do not belong to my.

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 2019-02-27
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The vehicle was in a accident in which XXXX refused to cover a valid claim. Damages were paid for out of pocket and since those funds were usually allocated for payments the funds XXXX did send were signed over to the bank. XXXX has underpaid the claim and I am still awaiting the rest which would have brought the balance current. The bank has now charged off the vehicle even though XXXX owes the balance due to fix it which was paid by me and would be sent to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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 belongs to someone else

Complaint:
Ive 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 non-monetary relief
Consumer complaint received 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was contacted by American Express [ by email]  with an offer for a new  credit card. It was for the XXXX XXXX XXXX. -- a new card and new name. I was offered XXXX  XXXX points for signing up if you spend $XXXX in the first 3 months. I called and checked to make sure that if I spent this amount and charged it to the card I would receive the points. I applied , received the card in XXXX I   called again to check that I would receive the points  and again I was assured I would.  I spent the amount in the first 3 months as required.I did not receive the points. I called customer service and a complaint was filed. I never heard from them. I called again on XX/XX/XXXX --I care # XX/XX/XXXX -- I was assured by a rep that I would indeed receive the points as I was misled. I called today, XX/XX/XXXX to see what happened and I was told they closed the case as a XX/XX/XXXX company that I am the head of had a card in XX/XX/XXXX.  That XX/XX/XXXX received points. They told me there was nothing they would do about not honoring their offer even though I asked before using the card.   I am a XXXX XXXX  and I would have used a different card to make these charges if I was not going to receive this bonus. Also I would have not applied for it in the first place.Thank you for any help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2019-08-16
Company: PNC Bank N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I never received the remaining balance of $XXXX on my PNC checking account ending in XXXX  when I closed it. I closed the account on XX/XX/2019, and PNC told me I would receive a check with that balance within 10 business days. Never received it. Contacted PNC by phone several times, and useless. Really frustrated with this issue, and spent quite amount of time with them. I never thought such a large bank like PNC wants to steal customer's money.I have to contact CFPB to get my money back. The case number PNC gave me for this issue is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: TN
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:
I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.

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 2020-05-19
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:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2022-10-02
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 am a victimof identity theft I have file an ftc showing proof that I am a victim this account keeps coming back on my report Transunion and XXXX have removed it for once and for all but XXXX has been the only bureau that the account keeps putting the account back on my report

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 2023-03-23
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the following inaccurate items in my file as soon possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Professional Debt Mediation, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Plenty occasions I called Professional Debt Mediation stating that the debt does not belong to me and that i was a Co Occupant. The apartments told me that i still had to do the lease agreement because i was over the age of XXXX. I 'm not reasonsable for this debt and they never sent anything to validate the debt stating it was mines. XXXX has n't removed it off and i send complaint a couple of times trying to get this removed. 

I called the collection agency and they stated that they had application for me being a co-occupant only and not a lease holder and for me to called the apartments but the apartments never got back with me to validate this debt. 

Debt. Belongs to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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