BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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: Account information incorrect

Complaint:
Equifax is not reporting accurate information that is being reported to them by XXXX XXXX ( auto loan ). XXXX of XXXX paid as agreed never late, XXXX and XXXX of XXXX paid as agreed never late. This information is missing from my credit report. Please update these months as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX Closed on XX/XX/2023 XXXX  XXXX Closed on XX/XX/2023 XXXX  XXXX XXXX  Closed on XX/XX/2023. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter concerning the accuracy of my credit report with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received a response from them. I am providing the details of the inaccurate information and the necessary corrections required : The account with XXXX ( Account # : XXXX ), which was opened on XX/XX/XXXX with a balance of {$1000.00}, has never been late. I request that TransUnion correct/update this inaccurate information on my credit report. 


The account with XXXX XXXXXXXX XXXX ( Account # : XXXX ), opened on XX/XX/XXXX, with a high credit of {$21000.00}, has also never been late. Please correct/update this inaccurate information on my credit report. 


An account with the designation " COLLECTION '' ( Account XXXX : XXXX ), opened on XX/XX/XXXX, with a balance of {$210.00} and an original creditor identified as " COLLECTION, '' does not belong to me. I request the immediate removal of this account from my credit report. 


Another account with the designation " COLLECTION '' ( Account # : XXXX ), opened on XX/XX/XXXX, with a balance of {$960.00} and an original creditor identified as " COLLECTION, '' is also not mine. I kindly request the removal of this account from my credit 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 2018-11-25
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:
I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: CT
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/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2021 I called Capital One Credit card Company. And the foreign lady I spoke with lied to me twice about the payment I made and her English was terrible. I made a payment of {$39.00} to my balance and it was never added as a payment, it's being held back. And Everytime I make a purchase I am charged interest on my credit card. My statement is suppose to be {$630.00}, but my statement says {$720.00}. and I had a purchase from Walmart that was refunded to me for {$19.00} which was never added back to my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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 have two different student loan companies that have serviced me in the past as well as currently with my academic studies , College Foundation and XXXX  XXXX  XXXX. My complaint is for College Foundation ( CFNC ). I have a letter dated from CFNC XX/XX/XXXX that states that my forbearance was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. I also have a second letter showing that my deferment was approved from the dates of XX/XX/XXXX through XX/XX/XXXX. Although my forbearance was approved from XXXX, CFNC reported a total of 14 missed payments to all three of my credit profiles recently! I have contacted CFNC on a number of occasions and have even disputed the inaccuracies through the credit bureaus and all of them have come back as the information being valid when I have a letter from CFNC on their letter head stating otherwise. If my forbearance was approved for that time frame XXXX, there should only be 1 late/missed payment reflected for the gap between XXXX and XXXX of XXXX, not 14 missed payments. This is severely important to me because I am in the process of trying to purchase my first home and this correction could really boost my score. I also tried explaining to CFNC that although they are different from XXXX   XXXX   XXXX, that I have had the exact same issue with them that has since been resolved but CFNC is unwilling to assist their customers on these inaccuracies. I would also like to mention that CFNC and their processes are severely outdated. All information must be handled via fax or by mail, they don't allow any of their information to be updated online which could have originally avoided all of the reporting issues of me being late due to an invalid address they had in their system years ago. I would also like to say that if it wasn't for my persistence, I wouldn't get anywhere due to the unwillingness to help by their customer service agents answering my calls each time. This last time, I refused to hang up until I spoke with a supervisor which resulted in a 52 minute hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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:
Experian is reporting incorrectly a collection in the amount of {$2300.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never rented property from XXXX. This account has clearly been added to my credit report in error with incorrect information and needs to be deleted from my credit report. I have contacted XXXX XXXX XXXX directly to address this as well as the credit bureau however, I have not been successful in getting this item removed. This incorrect reporting is harming my credit score.

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 2021-04-10
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:
i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can XXXX, XXXX and Transunion suppossibly had verified this?? I have the proof that this account does not belong to me.

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 2019-06-14
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i told them this debt was because of identity theft and they will not respond to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To CFPB, I have a public record on my file for the last 7 years, that is not mine. I have tried disputing with the Experian and XXXX  multiple times. 

The weird part is, I called the bankruptcy court myself today and they told me they do not share or communicate any information with these credit bearus at any time. Not even XXXX XXXX a thirds party company. 

The only credit bearu that has deleted this bankruptcy off my credit is XXXX. They are following the FCRA as for Experian and XXXX they are breaking the law of inaccurate and unfair reporting. 

This letter serves as record I have done my part to communicate with them but they dont want to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: VA
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:
XXXX is reporting a charged off/closed account with late payments from XXXX XXXX which is a direct violation to the ftc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 a victim of identity theft for 10 years never had a credit card couldnt get one. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One credit Card was opened under my name fraudulently between XXXX or XXXX of 2018 in the amount of {$200.00} or {$300.00}. I informed them it was not mine and the guy started harassing me and getting belligerent over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.

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 2023-05-22
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:
I checked my credit report and found that some of the data were incorrect. 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. 
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 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 2018-11-24
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. 

Never got the loan and now they hang up the phone on me when I call them. 

I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. 

Hi XXXX! 

Good day and Congratulations!! 

It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. 


Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. 

Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. 

Your insurance registration fee was processed through one of our  corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. 

Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. 

Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. 


XXXX XXXX XXXX Manager, Accounting and Legal Dept. 
PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Key Bank has a promotion in which new Key Bank customers open a new checking account and direct deposit {$500.00} within the first 60 days receive a {$200.00} incentive payment. I have never been a Key Bank customer. On or about the end of XXXX of XX/XX/2021, I opened a Key Bank checking account online but was unable to fund the account due to technical difficulties with their website. I started the process over which opened a second Key Bank checking account. I was able to fund this account so I closed the original account. The two accounts were opened within a week of each other so it is clear that I was neither a longstanding client nor have I had a checking account with Key Bank previously. I direct deposited the {$500.00} on XX/XX/2021 as required. It is now XX/XX/XXXX and I have not received the {$200.00} incentive payment. When I called to resolve the issue, I spoke with multiple employees at an XXXX number and at the branch. They are claiming because I had a previous account, I am ineligible for the promotion. I could not fund the original account online and it is clearly a technicality. No one is willing to help me obtain the promised payment of {$200.00}. 

I would like the {$200.00} payment deposited into my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: First Federal Credit Control, 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:
First Federal Credit Control has responded to my complaint only after I contacted the XXXX. FFCC has not validated the alleged debt they say I owe them in any form or fashion. I have received documentation that only proves that I have been in contact with them via certified mail over a year ago. They have continued to handle is alleged debt unprofessionally at best. I have received documents that are unprofessional and could have easily been fabricated. I have yet to receive any signed documents with my signature proving I owe them this alleged debt. They have sent proof that only solidifies my identity theft claim. FFCC is the only collection agency that has not cooperated with me in clearing up this matter and they have made a mockery of me and the said circumstances. Also, I find it very disrespectful to refer to me as a debtor without proof of their claim. I am a consumer just like every employee and owner that works for First Federal Credit Control and would like to be addressed as such. While this my only be business for FFCC, I am a consumer, and this effects my everyday life. As a consumer I have certain rights under federal law, and I have chosen to exercise them and should not be mocked in doing so. Again,  First Federal Credit Control is in direct violation of federal law and under federal law must immediately stop reporting this erroneous information and delete this information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, 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