BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: Experian Information Solutions 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:
XXXX XXXX says they issued a credit card in my name and it was used fraudulently per their statement. They closed the account because of this but did not investigate or correct any purchases done fraudulent. They are putting this on my credit report and refuse to correct 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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.

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 2018-02-16
Company: Experian Information Solutions Inc.
State: AZ
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 following credit inquiry on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : 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 non-monetary relief
Consumer complaint received 2018-07-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/18 I accidentally hit the " request a credit limit increase '' button on my account page. I immediately wrote a message stating it was accidental and I DID NOT authorize a credit inquiry. I received a response on the XXXX from the company stating they have received my message. On the XXXX I received a message with a letter in pdf form stating they pulled my credit history from XXXX. I wrote in writing that I specifically did not authorize a credit inquiry, received a response acknowledging they received my original message, but went ahead and pulled my credit history anyway. Unbelievable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: NE
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:
In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police XXXX. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Adjustment Bureau , Inc. of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX in XX/XX/XXXX notifying me that I owe {$42.00} to XXXX XXXX XXXX. I called and left voicemails in XXXX, XXXX, and XXXX of that year notifying XXXX XXXX, at the contact information listed on the payment request, that the debt could not possibly belong to me. I have never been a patient of XXXX XXXX, nor did I receive any bills from XXXX XXXX prior to receiving the collections notice from AAB. I asked for proof of the debt, including the date and details of the medical service provided. I left my phone number and email address each time I called, but have never received any further communications from XXXX XXXX or anyone at AAB. In XXXX, XXXX began reporting the delinquent debt. I disputed it with XXXX. The account now has a note that " Consumer disputes this account information '', but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MO
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:
Per the attached document XXXX, Equifax, and XXXX are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does XXXX XXXX say they have no record of this information in their record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX received a fraud alert on my accout. They caught it, XXXX dollars in fraudulent charges. I called them and thought itnwas taken care of. But it was not. They let the charges go through anyway. They said I'll get a refund after their investigation. I should not have to wait for my stolen money to be returned. They knew these were not my charges. They knew they were fraudulent and let them go through anyway. I'm not able to pay my bills because of the banks inaction against the fraud they detected. They say I'll get my money back but I don't feel safe. I'm going to take all my money out of their bank and go somewhere else.i want my money back. I want the bank to be fined for not taking immediate action to protect customers when they detect fraudulent activity. I can't pay my bills this month because of what the bank did allowing the fraudulent charges to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Initiated a credit card application in late XXXX with Pentagon Federal Credit Union for a Platinum Rewards Visa Signature Card. While they reviewed my application, Penfed made two hard inquiries on my credit. After a week, I called Penfed on XXXX XXXX to inquire into the status of my application. When I was told that there was a hold on my application due to my status as a graduate student, I was told that my application would be reviewed by higher. Having already observed that Penfed made two hard inquiries, I explicitly acquiesced as long as they did not make a third hard inquiry. 

Despite my explicit guidance, I found that my credit had taken a third hit. Penfed has made no attempt to rectify their error.

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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX  partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy 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 2023-06-07
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023 I got a loan for XXXX at QC Financial services, Inc d/b/a LendNation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX I had a XXXX loan amount of XXXX that was added to the loan making it a total of XXXX on XX/XX/2023 I returned XXXX of the XXXX instead of refiguring the loan to the proper amount they held the XXXX in limbo until XX/XX/2023 then counted it as XXXX payment. I did not realize they did this until XX/XX/2023 when making my next payment I tryed to get them to correct it they would not so I payed off the loan on XX/XX/2023 my complaint is they charged me 326.99 % interest on XXXX for 30 days that I had given back to them

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 2021-07-03
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a way 2 go card and got my replacement card in mail i activated it and it gave me my balance online but I could not make any transfers or transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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 status incorrect

Complaint:
XXXX XXXX was dismissed in my bankruptcy with the last activity of XX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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:
I was informed from Experian.com that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX XXXX and XXXX my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, 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:
in the last 5/6 years i have had 3 break ins, of my personal property, thieves getting their hands on my personal identification. The last break in, the officer told me they saw a spike in what they consider, non- violent criminals released back on the streets, resulting in crimes like mine. that does not include a data breach, after my XXXX in the hospital, and even better, Equifax breach, ( which the judge declared, completely preventable ), and XXXX XXXX breaches. This has affected me so terribly in many ways. Equifax as the other bureaus are supposed to be information, reporting agencies, not investigative agencies, or XXXX the American public agency, which is what they do, XXXX the American people. A " dead '' corporation, that exists ONLY on paper, deciding what and if they will follow the law, such actions, " XXXX XXXX ''. When i filed my dispute, i thought my " dispute '', was with the " alleged '', creditors, i stupidly did'nt realize Equifax had a interest, in my personal, private business affairs. I have written them for years now a waste, money, and time consuming events, that has taken its toll. I will not dispute any more information, with this XXXX, called a credit bureau, but will spend my time, in courts, sueing these XXXX, trying to get a proper answer, to what gives them the authority, to overide our Constitution, and impair my ability to contract, Article 1, Section 10, clause 1. I have the supporting documents, them responding to me, by saying they will not follow the law and block, such information, but turn it over to the alleged creditors. How and why they are allowed to operate, please XXXX, others comments, on the internet, is pale to me, but if our Governmental agencies are powerless to get them to act as a, reporting ageny, instead of a police organiaztion, heaven help us. Do i have time to be sueing theses XXXX in court, NO, BUT I WILL MAKE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Bliksum, LLC
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:
XX/XX/XXXX I took a loan out with LOANME, XXXX amount for {$2500.00} and in XX/XX/XXXX I went on a XXXX leave from my job. I was unable to continue paying my loan. LOANME sold my loan to someone els. I have since paid off my loan to one of the other companies that brought the loan for {$2600.00} in XX/XX/XXXX. 
LOANME is still reporting to credit company that my loan is Nigitive and refuse to acknowledge in my credit report, are to the credit bureau that it has been settle and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX ( Bank ) XXXX XXXX, XXXX - EQUIFAX XXXX XXXX Miscellaneous ) XX/XX/XXXX - EQUIFAX XXXX XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
In XX/XX/XXXX we were having difficulty making the minimum payments on some bills due to medical bills and health issues. I spoke with Citizens Bank ( based out of Rhode Island ) numerous times during this period asking for assistance in reducing our min amount required or extending our  due date. They refused to assist due to the fact that we were not past due or in collections. I told them I could pay the amount owed on a specific date in XX/XX/XXXX and asked if that would keep us in good standing and prevent us from being reported to collections. The representative said yes it would keep us in good standing. I made the payment on the date instructed, the payment posted, and we were still reported. It has taken over a year for me to dispute this with all three credit bureaus, and then send my letter to Citizens asking them to remove the error. This is a bank error. I was given a date to pay my bill to remain in good standing and I paid it. I spoke with numerous channels after the delinquency hit my credit report and they said they investigated but no one would tell me if they found the actual phone call I was referring to. In XX/XX/XXXXI was advised by the credit card customer service area that if I dispute with the bureaus, and then write a letter to a specific address at Citizens, it will be removed. I even had the representative clarify ... will it be researched or removed? He said it will be removed. So I spent months disputing the information and finally mailing a letter to Citizens and they still will not remove because they can not locate proof of my conversation. They also confirmed that not all calls are tracked accurately as they should be according to their policy for logging customer calls, so they have no way of determining who I spoke with to research. However no one can tell me the outcome of the calls they were able researched until yesterday. I was not given specific information, but I was informed that even if I was told an incorrect date it would not matter. This affirms my belief that they are aware I was misinformed they just refuse to do anything about it. I must reiterate again that even after the fact, I was told by a rep that all I had to do was write a dispute letter and they would remove the information. I do not understand how it is legal to tell someone you can pay by this date and we will not report you, and then still report you. And then tell me to write a letter and it will be removed, and then not remove it. This lowered my score over 100 points and caused undue financial hardship on me. I believe they are choosing to treat me unfairly and are violating the Fair Credit Reporting act and UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CORELOGIC 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from CoreLogic Credco, my information is sent to Credco who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took a car loan with PNC Bank when I purchased my XXXX   XXXX XXXX last year. Payments are due on the XX/XX/XXXX, but I have up to XX/XX/XXXX to pay without a late fee. Given the timing of payroll at my employer, it is more convenient for me to pay closer to the end of the grace period ( i.e. the XX/XX/XXXX of every month ). I have communicated this to the bank verbally, and thru their social media. 

I pay more than the minimum every month. 

I have requested that they stop calling me, and went as far as contacting them by phone, thru social media and even a " snail mail '' letter as is their procedure. The calls have continued. Again, I make payment every month and my credit score continues to go up. This amounts to harrassment from this bank and I want it to stop.

Company response to consumer: Closed with explanation