BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
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: Investigation took more than 30 days

Complaint:
cra violation XXXX XXXX as id theft letter XXXX report and court records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.

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 2021-07-08
Company: SYNCHRONY FINANCIAL
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 looked on my credit report and there is a SYNBC/JCPENNYS Credit Card on my credit report with a credit limit, payments and negative remarks and sasys Closed.

I have never applied or had a SYNBC/JCPENNYS Account XXXX. I have been a victim of identity theft the federal trade commission Report # XXXX. I have contacterd the company been hung up on or disconnected. 

i have never applied or had an account with this company.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. Transunion has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX  which has been paid off and the receipt showing this has been attached. Lastly XXXX has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've sent 3 separate letters asking that the company stop contacting me other than for the purpose of validating the debt. Despite my legal request the company has repeatedly contacted me in an attempt to collect the debt via both phone and email. They call multiple times despite my asking them both on the phone and through mail to stop contacting me unless they can validate the debt. 

First letter was sent to the company on XX/XX/2020 Second letter was sent to the company on XX/XX/2020 Third letter was sent to the company on XX/XX/2020. 

I have received the following verified phone calls at these times and dates from the company, however, several other phone calls are also suspected to be from the company which constantly calls from different numbers making it difficult to track them all : XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXX  And more, that's as far back as my phone history goes. Everyone of those calls occurred after I asked not to be contacted and constitute a violation of the Fair Debt Collection Practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: MS
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:
Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX which has been paid off and the receipt showing this has been attached. Lastly Equifax has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: PNC Bank N.A.
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: Investigation took more than 30 days

Complaint:
I filed a dispute about incorrect items on my report and the investigation has been well over 30 days. I have not gotten any response about the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2021-07-08
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:
XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX. 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with XXXX XXXX XXXX XXXX , XXXX to close on a house we were interested in. Total loan amount was XXXX. The appraisal came around XXXX which makes our ltv around 83 %. I was advised that once I reach 80 % of the appraised value i can get rid of my pmi which is around {$230.00}. When checking the loan docs, it stated that pmi can be taken away when ltv reached 80 % of original purchase price. When questioned abt this I was reiterated this multiple times that the pmi will go away once i make payments to reach 80 % ofthe appraised value. 
One month after closing, i was informed that the loan has been transferred to wells fargo. When i called them to inquire abt making additional payments to reach 80 % ltv, i was cited the loan docs and was told that ltv is calculated based on original purchase price. They said thats the terms of the loan that was transferred an that i should talk top interstate home loan regd that. 
There was no response from the firm. My loan agent from XXXX, XXXX XXXX wouldnt return my calls. Somehow managed to reach someone from iXXXX XXXX XXXX where i was told that XXXX is no longer with them. And that they will get back to me. No one has reached out to me yet and I'm being forced to refinance increasing my total loan amt by atleast XXXX. My latest appraisal evaluates my home value at {$290000.00}. Which makes my ltv around 74 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX American Express called asking for someone that is NOT ME to collect a debt. I told them they have the wrong information and hung up. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 I called American Express using the number they called from XXXX, I informed them again that they have the wrong phone number and person listed and I have not had any contact or connection with the person they are asking about in years. They said that we would need to contact the person because they listed our phone number a year and a half ago. I told them that I have no connection to them and they need to stop harassing me for a debt that does not belong to me. I am a loyal customer of American Express myself, and I am very upset that they are continuing to harass me when I pay off my balance every month, so they need to remove my # from this other person 's account. Also told him that it is fraud and illegal for them to take down my information and place it on another person 's account in the first place! The person on the phone told me there was nothing he could do and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: Thaddeus Bechtle Attorney at Law, LPC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Attorney Thaddeus Bechtle, finally returned my call and immediately told me he did not have time for this XXXX, he told me, " I would not let you send a check to my office, I am going to file a law suit/judgement before the statue of limitations, you don't want to talk to my staff. I am going to sue you, and I will not take your money, I don't care if you pay or not. He also said " you can mail the money in but I a not going to take it. I asked Atty Bechtle to please stop cussing and being rude as I was trying to be professional and I needed information about how much I can pay and where to send the money. He just keep saying " goodbye Miss, goodbye and I don't care. Later that day I found out that he contact XXXX XXXX XXXX, whom he works for and told XXXX in collections that he will go to court. ***I contact Atty Bechtle 's office over a month ago when I found out about this debt, I first spoke to Ms. XXXX who was awful and I exercise my right not to speak with her which Atty Bechtle ageed to it was that point he agreed I would pay {$100.00} a month. I am terrified of what he will do to my credit, my personal information, my life. 
How do I pay this debt, if he will not take my money? I filed a compliant with OAG and XXXX. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Innovis
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: Old information reappears or never goes away

Complaint:
Please remove XXXX XXXX XXXX from my credit report, here is a copy of the letter from XXXX XXXX XXXX asking the credit bureaus to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card. 
So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did. 

let me let you know CFO : i underwrite loans and let me let you know. 

i have over 100k in credit card that have with 10+ trade lines. 
i have 2 homes paid well $ XXXX in 16 yrs. 
i have credit since XX/XX/XXXX never late ; 24+ yrs. 
i have over 35+ trade-lines with comp credit and way more. 
my annual base is $ XXXX plus $ XXXX annually commission. 
my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know. 
key factors : length of time of XXXX : since XX/XX/XXXX. 
since open new acct : too short : why does that matter? 
low balance : no cc has a balance all {$0.00} paid off. 
too many accts with balance show me. please.

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 2018-12-21
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
My mom and I received calls around XXXX XXXX   XX/XX/2018 from XXXX. My mom researched the number and found it to be a debt collector Diversified Consultant Incorporated XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. She checked my credit report and found that on XX/XX/2018 they reported a collection in the amount of {$990.00} for XXXX XXXX opened on XX/XX/2018 mind you that's only XXXX momths. There isn't an account number associated with this fake account. I never had an XXXX XXXX account. EVER. They haven't contacted me before XX/XX/2018. Mail or anything. This is fraudulent and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result 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 explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : 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 2020-06-30
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my bank account with the XXXX app which is where I pay my rent. But it said there was a problem linking the account and my rent is due tomorrow XX/XX/XXXX so this is very urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CCS Financial Services, 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:
{$200.00}, {$59.00}, {$30.00}, {$480.00} and {$230.00} XXXX XXXX XXXX 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation