BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
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: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the past few years I have utilized an online savings/investment app called XXXX. I linked my PNC debit card to XXXX  and every purchase I made was rounded up to the nearest dollar and invested for me. This was a very convenient, painless way for me to save quickly. I was very disappointed to learn that PNC has " increased security '' and that savings platforms, such as XXXX and XXXX no longer work. How is it ok for PNC to decide where I can or can not invest my money?? Fix this or I'll take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX has on my Transunion report File # XXXX Date XX/XX/2021 I did not sign or agree to no hard credit been ran by XXXX XXXX XXXX XXXX XXXX XXXX needs to provide my signature in regards to this matter as fraud by XXXX XXXX  Violates Federal Fair Credit Reporting Act or FRCA There needs to be proof showed by XXXX XXXX of this transaction by document not verbal is not legal. I have also filed with US Attorney office as DOJ on consumer complaints to this matter as Fraud on XXXX XXXX XXXX and Transunion

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 2020-09-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/2020 Toyota motor credit Corp. put a negative action on my credit report when it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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:
XXXX {$460.00} and XXXX {$120.00} and XXXX XXXX XXXX {$300.00} I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Conn's, Inc.
State: TX
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:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

The investigation conducted was not correct and this collection should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Credit acceptance had a representative to contact me that was suppose to be a part of their legal team. I have informed them that one the vehicle debt has gone beyond the statue of limitations to collect. Two the account is not on me for collection because XXXX XXXX XXXX along with Credit Acceptance Authorized sale of this vehicle at an auction and I was never informed or made aware of this. The vehicle was damaged in the flood of Hurricane Harvey and it was taken to XXXX XXXX and it was not inspected by the insurance company until XXXX because they were so far behind. They lied and stated that they tried to send me a message by mail and that makes no sense when the Service Manager literally came to my job to discuss the vehicle. I went to the dealership and the vehicle was not there. I was told it was sold in an auction and It could not been sold unless Credit Acceptance approved and at no point was I informed of this. I have not been infirmed how much the vehicle was sold for. I have no idea If there was a surplus of of funds and if the proceeds was applied to the balance. I believe that this debt is fraudulent and it remains on my credit as an active account being reported as a late payment and open account as of XX/XX/2021. I no longer expect them to be honest in their reporting of 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 explanation
Consumer complaint received 2017-11-18
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: Old information reappears or never goes away

Complaint:
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and is now yet the bureaus have n't fix that and other debts I already paid for and I have the XXXX they sent me and neither they have remove from my credit report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo has reported late payments on a closed account from XX/XX/2012. I have never paid this account late.

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 2019-03-26
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3.  Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: National Credit Systems,Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday XX/XX/2020, I deposit a check for {$34000.00} into ALLY Bank. I checked my account about 5 hours later making it around XXXX and my account was locked, I can not login, can not see banking information. I called the Ally 24 hour customers support at that point. The man who answered told me he could not tell me why my account was locked, problems usually get resolved in 1-2 business days and I would have to talk to Allys fraud department. I called back on XX/XX/2020 to the number I was given, I was asked the information of the person who wrote the check, not the bank, but the individual who wrote and their number. I complied and she said check should be verified in a few days. I called back the past two days XX/XX/2020 and XX/XX/2020 and both times the Ally representatives have been unhelpful, can not even tell me when my check will be reviewed or why it hasnt yet when its been 3 business. Today they woman told me she has no record of me calling prior to XX/XX/2020 and that I should wait till tomorrow when it has been 3 business days. They will not release my check either so I could go to a local credit union.

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 2020-04-28
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I missed a {$160.00} increase on my mortgage one month out of a stellar credit and payment histories. I was not aware of this increase, which represented an increase in my escrow account. My mortgage payment was {$2200.00}. We paid {$2100.00} for XX/XX/2020. Within the 30 day timeframe, Nationstar reported it to my credit ( without any notice to me- I would have gladly pay the increase ), and my hard- earned credit score dropped 83 points. I am struggling during the COVID crisis as my hours have been cut, but I have still paid over 90 % of my mortgage on time as I have for the 5+ years I have had it. And I get punished instantly for being short {$160.00} on an increased escrow without more than 30 days going by or additional documentation alerting me to the problem? This is wrong!! Seems there are many similar complaints against this particular corporate giant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
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:
XXXX off exceed statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Lending Club Corp
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LENDING CLUB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: SYNCHRONY FINANCIAL
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:
THERE ARE 3 SYNC BANK Unauthorized inquiries COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNCB/TJX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME XXXX account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name SYNC XX/XX/2021 Company name SYNC XX/XX/2021 Company name SYNCB/TJX XX/XX/2021 Company name Uplift account XX/XX/2021 2021

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 2018-06-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax - An inquiry was submitted to Equifax from XXXX for my credit information. I disputed this inquiry because I did not authorize it. Equifax did not investigate to see if I had authorized or did not. Their investigation results were that I would have to contact XXXX myself and ask for it to be removed. I do not know who to contact nor should I have to. They should not put things on my report and should not give companies my credit information without my approval. Also, I had put a fraud alert on my credit to prevent things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I used a credit card via the PayPal service to settle an invoice with a merchant. The merchant confirmed that the invoice total of {$260.00} was paid in full. 

On XX/XX/2020, I received an email from PayPal with the subject line " Your bank declined your electronic funds transfer '' and a message stating that " We will automatically re-attempt this transfer in 3 business days. '' As a result of the action, I was charged a {$29.00} non-sufficient fund ( NSF ) fee. 

On XX/XX/2020, I reached out to PayPal requesting a halt to the transfer re-attempt, and made a second payment via credit card for the same amount. On XX/XX/2020, PayPal repeated the action, leading to another NSF charge. I eventually opened a ticket with PayPal on the issue, which was eventually closed without any acknowledgement of the unauthorized transfer. On that date, the credit card that was tendered for the transaction was debited. PayPal argued that since I had done business with the merchant in the past, the attempts to transfer funds from the checking account were valid. 

At no point did I authorize PayPal to debit funds from any other source besides credit cards for this transaction, and now I have been financially harmed by the reckless behavior of PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Marlette Funding, LLC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on BEST EGG/SST ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX  that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my Experian and XXXX   reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.

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 2021-05-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Submitted a dispute in XX/XX/2020. Original creditor was XXXX XXXX XXXX. Experian deleted the account. In XXXX, they placed it back on my credit report with another companies name that I have no knowledge of so I disputed it. It appears after it was deleted, XXXX XXXX XXXX sold it to a collection company. This company can not validate the information nor does it have a contract or my signature.

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