BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: Caliber Home Loans, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I received a call from an unknown source with a file number. They left a message today  XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back  XXXX  and asked to speak with  XXXX   XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File #  XXXX  and he immediately transferred me to  XXXX   XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed.  One  thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from  XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors  or something similar. He asked me if I would like to handle this debt otherwise they or  Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up  on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number  XXXX , but as soon as I told them that file number, they transferred me right back to  XXXX   XXXX . I got his name, place of business and address before ending the call.   I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you.     Name of Company :   XXXX   XXXX   XXXX   Name of individual and ID : Place of business address :  XXXX   XXXX    XXXX   XXXX    XXXX .  XXXX   XXXX , CA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently found out about an account that Synchrony Bank opened without my knowledge or consent. For reasons still unknown to me, Synchrony Bank closed all XXXX credit accounts that I held with them, with some accounts dating back to 2013. No credit reporting agency was referenced in these account closure letters, which according to the documentation from Synchrony Bank provide on the reverse of the letter, means that a credit report was not utilized in the decision to close my accounts. 

Curiously, when I received account closure letters, I received a letter referencing an account that I never opened. This account is supposedly a " Sam 's Club Mastercard account ending in XXXX ''. Obviously, with some of the fraudulent activity financial institutions have been involved in such as XXXX XXXX opening fraudulent accounts, I would like this account to be investigated. I have been unable to receive any additional information from Synchrony bank as to why my 9 accounts were closed, and even more concerning, have not yet been able to receive any information as to when, why, and how this " Sam 's Club Mastercard account ending in XXXX '' was opened. 

This account likewise does not appear to be a fluke, when I called the phone number for this account, I was told my account was closed and had a XXXX balance without any further information. Further, I was unsuccessful in receiving an account opening date from Synchrony for 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 2017-06-14
Company: EQUIFAX, INC.
State: IL
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:
I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so usi ng the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com r equested I fill out a paper request and  send in the US m ail along with documents proving I was who I said I was (  copy of  XXXX , D river 's License, pay stub ). All   XXXX   credit agencies  ( Equifax,  XXXX , and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in.   XXXX   finally gave me my credit report  after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports through  the US mail, I was able t o dispute online that same address. But now, with Equifax, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of  XXXX  items that they required to prove my identity,  XXXX  of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent Equifax extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a   XXXX   XXXX   and understand the security checks necessary to prevent ID theft, but sending sensitive do cuments three t imes is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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:
Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hello, In XX/XX/XXXX, my wife and I had to file personal bankruptcy because of lost job and credit cards choking us. We kept the mortgage payments going ON TIME and paid the Bank of America mortgage off in XX/XX/XXXX with a refinance from Quicken Loans. 
XXXX report shows I " XXXX {$41000.00} mortage thru bankruptcy XXXX ''. 
WE DID NOT. 
Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn : XXXX - Disputes Dept XXXX XXXX I have been calling and writing BofA for months and XXXX as well to fix this, neither bother to check and correct so I get rejected from XXXX XXXX  personal loans due to Foreclosure in XXXX. WRONG!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Report Date XX/XX/XXXX Report Number XXXX Yesterday, XXXX XXXX said she will request that BofA delete that from the report but in might be until XX/XX/XXXX when it comes off my record naturally. 
The GOOD BofA part of XXXX Report that showed we PAID IN FULL was deleted XX/XX/XXXX. 

I believe that BOTH Bank of America AND XXXX should receive a VIOLATION of the FAIR CREDIT REPORTING ACT, a very stern letter, PLEASE. 

Thank You 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 2022-04-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I HAVE BEEN SUBJECTED TO APPROXIMATELY XXXX XXXX CHECK FEES BY PNC BANK IN CONNECTION WITH THE STANDARD OVERDRAFT SOLUTIONS. PNC IS DECEITFUL. I CAN NOT SURVIVE AND PUT FOOD ON MY TABLES BEING SUBJECTED TO PNC OUTRAGEOUS FEES AND I WILL RESEARCH OTHER BANKS TO TAKE MY {$2000.00} DOLLARS A MONTH TO. THE PROBLEM I AM GOING THROUGH IS THAT PNC WRONGLY HAS A DATE OF XX/XX/2022 MARKED ON MY CHECK & OVERDRAFT FEE ; BUT IN TRUE REALITY PNC DID NOT NOTIFY ME NOR PRESENT ANY PENDING TRANSACTIONS BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022. ADDITIONALLY THE PROBLEM IS I WAS PAID VIA DIRECT DEPOSIT AT XXXXXXXX XXXX XX/XX/2022 WHICH MEANS MY PENDING CHECK WAS MEANT TO BE SATISFIED. ADDITIONALLY THE PROBLEM IS THAT PNC IS IN VIOLATION OF THEIR OWN POSTED POLICY WHILE DECEIVING ME THE CUSTOMER. THE POLICY STATES THAT ONCE A CHARGE IS PRESENTED AND SHOULD BE PENDING FOR THE CUSTOMER TO SEE IT FOR STANDARD OVERDRAFT SOLUTIONS, SHALL HAVE UNTIL THE END OF THIS SAME DAY TO DEPOSIT FUNDS TO ZERO IN ORDER FOR THE CUSTOMER TO AVOID AN OVERDRAFT FEE ; THE TRUE REALITY IS THAT THEY ARE DECEIVING XXXX XXXX XXXX XXXX ME, NOT HAVING PRESENTED ANY CHECK TO MY ACCOUNT ON XX/XX/2022, NOT HAVING BEEN ANY PENDING TRANSACTIONS ON MY ACCOUNT BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022, NOT HAVING PROVIDED THE CUSTOMER WITH ANY REASONABLE METHOD TO RESTORE A BALANCE TO ZERO ON THE SAME DAY AS THE PRESENTMENT, AND A GENERAL CONSENSUS THAT PNC IS APPROVING EVERY SINGLE ACH AND BILL PAYMENT WITHOUT ANALYZING ANYTHING FOR THE HEALTH OF THE BANK NOR THE CUSTOMER. I HAVE CALLED PNC ON THE PHONE TO EXPLAIN THESE HORRIFIC DISCREPANCIES AND THE REPRESENTATIVES THAT I TALK TO DO NOT GRASP THE SEVERITY OF IT. I AM TAKING MY COMPLAINT TO THE GOVERNMENT BECAUSE OF THE SICKENING FACT THAT I WILL NOT HAVE ENOUGH FOOD ON MY TABLES DUE TO WRONGS SUBJECTED TO ME BY MY OWN BANK WHO DECEIVES ME ABOUT OVERDRAFT SOLUTIONS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with Transunion and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police 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 2022-04-01
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: Information belongs to someone else

Complaint:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Docket # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action TyXXXX 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 2022-09-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account held by this collection agency is from XXXX. I have contacted XXXX they let me know no balance was due on my end with them. That I needed to contact Collection agency I contacted the collection agency and they have been unable to help me find a solution there only solution is for me to pay the debt. I have explained several times XXXX stated I don't owe. I had sprint more than 5 years ago so regardless this account is passed the Statues of Limitation of California. Also the account number is listed as follows XXXX they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-12
Company: ASPIRE FINANCIAL INC.
State: TX
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:
I contacted Texas Lending via their website to request their advertised Mortgage Pre-Qualification that they advertised as a soft credit pull that would not affect your score. The next day I got a credit alert that a hard credit pull had occurred, and it reduced my credit score. I investigated and found out that Texas Lending had done a hard credit pull without my consent. I tried several times to contact the agent who pulled my score, and she failed to respond. I finally was able to get a hold of her today, and she said that there was nothing she could do about it. 

The contact info for the agent is XXXX XXXX Mortgage Consultant XXXX Office : ( XXXX ) XXXX NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX, i received a statement for credit card that I never opened. I went to XXXX XXXX to check my credit and there was an inquiry for a credit inquiry ( and an open account ) on my credit report for a Chase- Amazon Rewards Credit Card that was not requested by me. I called Chase immediately to have it removed and it was and also contacted the FTC to submit a complaint. We also contacted XXXX to enable a 90 Fraud Alert and tried to file a report with my local police and were told to report it on an FBI website at https : //www.ic3.gov/complaint/default.aspx. A month ( TO THE DAY ) later in XX/XX/XXXX we receive a denial letter for the same card, meaning there was another  inquiry, because my Fraud Alert was ignored by Chase. So I contacted Chase and the FTC again to get the inquiry removed. There was no more activity until XX/XX/XXXX. I once again, contacted Chase. I have been placing Fraud Alerts on my credit every 90 to the day and it is n't stopping anyone at this point. I ca n't get the 7 year protection placed on my credit due to my lack of police report ( my police wo n't deal with it since it is an internet crime ). More recently, I have signed up for XXXX XXXX and they are helping me contact chase every time in order to remove the credit inquires. Since XX/XX/XXXX There have been XXXX more Chase Amazon Reward Card inquires : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This has severely damaged my credit and made it incredibly difficult to start my life with my new wife. These fraudulant accounts and credit inquiries have made it difficult for me to financie my home and my new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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:
ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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:
I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX dont have any account nor connection whatsoever with these companies. I have spoken with each company and no one produced any relationships between myself and the companies.

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