BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
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:
XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX Account Info Hover over labels for more details Account numberXXXX  Account statusOpen Date openedXXXX XXXX, XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX that has been ignored.

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 2023-12-01
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an email from CitiBank which offered {$100.00} cash bonus if I enroll the offer, set up enhanced direct deposit between XX/XX/2023 and XX/XX/2023 and between XX/XX/2023 and XX/XX/2023 make at least one Enhanced Direct Deposit ( which includes XXXX ) per calendar month of {$500.00} or more directly into the checking account, for 2 consecutive calendar months. As instructed, I enrolled the offer for my checking account at CitiBank and made deposits through XXXX with amount {$500.00} each time on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which met the requirements for the cash bonus. However, so far I still have not received the {$100.00} cash bonus. I have contacted the customer service multiple times through phone but they were not able to help me resolve the issue.

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 2021-09-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX My husband and I are trying to get a home loan, but PNC bank has reported negative info on our credit report dropping our score to disqualify. After contacting the company directly I got no clear reason or itemization on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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:
My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : 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 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 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I paid for a portion ( {$800.00} ) of my family 's meal that was charged to my sister 's room at the Hilton XXXX on XX/XX/2023. However the next day an additional unauthorized charge of {$400.00} was made on XX/XX/XXXX. My flight departed XXXX on the XXXX and I did not authorize the {$400.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
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:
For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete 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 2023-04-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was scammed out of XXXX by this individual named XXXX XXXX I was dumb enough to let him use my card information to cash checks in my account knowing something was off but I had no knowledge of what he was doing whatsoever it happened XX/XX/2023.

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 2018-01-22
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with TRANSWORLD SYSTEMS INC. All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who TRANSWORLD SYSTEMS INC is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-11-08
Company: 21ST MORTGAGE CORP.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I paid my mortgage payment to 21st mortgage on XX/XX/XXXX. i have the confirmation number also. with XXXX XXXX  XXXX XXXX nc. so i call monday to tell them on the XXXX, XXXX mortgage, that the bank closed my account on the XXXX and that the payment might get kicked back. so XXXX said he would give me a courtesy call on the XXXX of this week. so he called me around XXXX XXXX  est. he asked what was going on with the payment and that it got kicked back. i tried to explain to him what happened, that the bank closed the account and processed another payment ahead of theirs that was paid around the XXXX. he kept getting nasty with me and then he put his supervisor on the phone. she was literally hounding me about the payment. and saying she finds it strange that the bank closed out my account for no reason. i told her im a XXXX vet and i dont need this. and she was rude and nasty to me too. i dont need this. im a veteran and i fought for this country. i called and found out from the bank that XXXX waited until the XXXX to pull the payment after the other payment processed and put my account in the negative and got my account closed. i told XXXX im going to report them. he was like who are you going to report us to XXXX XXXX. who are you going to report us to. ok, i got you. i will report you to the news media and the va for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CreditNinja Lending, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Loan is {$60.00} a week for 18 months, and the documents would not load right on the browser to show me what the agreement was.

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 2023-11-30
Company: WESTERN ALLIANCE BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. 
However, until now, no one has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc violations XXXX and transun i XXXX  XXXX XXXX  XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX  XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX  never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions

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 2019-10-02
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 am writing this due to non-compliance with Equifax, XXXX  & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I opened a Citi savings account in response of their offer to award me XXXX XXXX XXXX miles as long as I deposited at least {$50000.00} with them for at least 60 days. I have done that, but the bank has not awarded the airline miles as stated in their offer 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 2023-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I gain a free copy of my credit report from www.annualcreditreport.com and I noticed that my XXXXCare Credit account is reporting my account as closed. 

I would not have known my account with Synchrony/CareCredit was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from Synchrony/CareCredit is upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has Synchrony/CareCredit informed me that they would be reporting my account as closed when I have just had their card for XXXX year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with Synchrony/CareCredit in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see CareCredit reopen my account and update this status on 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 explanation
Consumer complaint received 2018-01-22
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:
I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: Experian Information Solutions 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 FILED NUMEROUS DISPUTES WITH EXPERIAN AND XXXX IN REGARDS TO A XXXX XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet Experian and XXXX continues to report this account ...

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 2023-12-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief