BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for XXXX to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from XXXX with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and XXXX could not have verified this information with them. 
XXXX  continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: FL
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: Personal information incorrect

Complaint:
I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
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:
THE DISPUTED ACCOUNTS ARE ACCOUNTS THAT ARE REPORTING INACCURATE TRANSACTIONS. THOSE NEGATIVE MARKS WERE NOT DONE BY ME AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT SCORE. DUE TO THESE DEROGATORY ACCOUNTS IT IS NOW HARD TO ACQUIRE NEW CREDIT. ITS EMBARRASSING TO BE DENIED CREDIT WHEN I AM NOT AT FAULT FOR THOSE TRANSACTIONS. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS COMPLETELY OFF 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 2020-01-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
USAA with Mortgage service company XXXX took a double payment with transaction record date of XX/XX/XXXX. I realize when I went to make my payment on XX/XX/XXXX for my XX/XX/XXXX due date it showed I owed nothing until XXXX. When I looked at the transaction records it indicated a double payment for different amounts then reversed then applied to the XXXX payment all for the same XX/XX/XXXX transaction date. This was NEVER brought to my attention as they explained their system did this AUTOMATICALLY with no knowledge of any USAA or XXXX personnel. My Bank account had $ XXXX removed and NOT returned until in XXXX when I brought it to their attention, then they still made more mistakes until I had to contact the President/CEO office of USAA to have them step in with their contracted service team. 

It appears there is a programming issue with USAA / XXXX mortgage in the automatic processing and NON NOTIFICATION to the consumer/owner. 

In essence they STOLE $ XXXX from me which is a FELONY in most circles yet NO ONE took ownership of the error or knowledge of it. 

Their SYSTEM needs a FULL AUDIT conducted as they also could not confirm if this was isolated or other customers had been affected. 

I want a FULL inquiry and report of the findings provided so they don't just push it under the rug and not make it public knowledge for any potential future class action lawsuits due to their mismanagement/oversight of their processing. 

XXXX XXXX - ID # XXXX, Supervisor - XXXX XXXX, Managers - XXXX, XXXX, XXXX, XXXX XXXX at the XXXX TX XXXX XXXX, and XXXX at the CEO office need to be investigated and define their roles in this issue with XXXX at the end working to resolve but not providing results of internal breakdown and how I can be guaranteed that it will not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company sent me a letter in which I 've called the specialist XXXX XXXX and have left a few voicemails regarding these illegitimate charges. She has yet to call back or investigate this further. I also emailed her on XXXX XXXX 2017 and again did not get correspondence. She is very aware of these charges and will not remove them. Thus, Synchrony bank is knowingly and illegally collecting a debt and reporting it incorrectly to the credit bureaus which is also a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Total of {$100.00} in over draft fees taken out when my account is not supposed to allow over drafts to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
THE DISPUTED ACCOUNTS ARE ACCOUNTS THAT ARE REPORTING INACCURATE TRANSACTIONS. THOSE NEGATIVE MARKS WERE NOT DONE BY ME AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT SCORE. DUE TO THESE DEROGATORY ACCOUNTS IT IS NOW HARD TO ACQUIRE NEW CREDIT. ITS EMBARRASSING TO BE DENIED CREDIT WHEN I AM NOT AT FAULT FOR THOSE TRANSACTIONS. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS COMPLETELY OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-15
Company: EQUIFAX, 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, XXXXXXXX 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 602 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX, I emailed e-money a copy of the cancellation letter asking them to cancel the {$400.00} loan they told me the letter was received and would cancel the loan of {$1200.00} and that I would only be responsible for {$400.00}. I emailed them again and said I would pay the money at a later date. I received an email from e-money today threating to call my job, my cell, and references that were used on the application. I can't accept calls from bill collectors on my job nor do my contacts wish to be bothered about a loan they DO NOT owe. E-Money needs to not contact me on my cell, at work, nor contact the references because they will take legal action against the company. 

I will have attached the cancellation letter I sent the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just reviewed my credit report because i received an alert staying that my personal information my have been part of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Is not mine gave them PROOF of adress at the time had my apartment lease and send it to them. Call them about the account was open and told them it was not mine the Representative ask for my info to put a complaining and after I gave her my info she said that os your account and I 'm going to fill out all the missing info In your account when I told her o already has services in reall adress how can o possible be living at 2 different adress at the same time and they hang the phone. O fild different forms and claims and no luck removing alot of things someone did when my identity was stolen. The collection agency is penn credit in XXXX PA AND THE COMPANY IS XXXX Penn credit keeps harassing me calling me at all times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX XXXX XX,2016 XXXX XXXX I XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016

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 2022-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have called equfiax company time and time again and my credit report and score will not show up no where and i called they keep saying there is nothing wrong with it i asked them to put in a tech support ticket and they will not listen and do it. XXXX can not pull up my report either they keep telling me to call equifax and nothing is being done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
We were two months away from paying off the lease in 2018. They repossessed the car and sold the car. We thought the car was paid off. This is blocking our ability to obtain a mortgage. GM financial failed to provide proof of debt when requested through the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.

Company response to consumer: Closed with explanation