BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: NY
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 have repeatedly asked Experian for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Experian states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Experian and for what permissible purpose as well as all documentation Experian received to give these companies access to my credit reports. I am also requesting the name of the person from Experian that provided my reports to these companies. I need to see documentation on all inquires listed on my Experian credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Experian ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Experian making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Experian delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Experian as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, California AG, New York AG, The XXXX and my legal counsel.

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 2022-05-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SANTANDER CONSUMER USA account number : XXXX date opened : XX/XX/XXXX past due amount : {$17000.00} U S DEPT OF ED/XXXX account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$9400.00} U S DEPT OF ED/XXXX  account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Medical Data Systems, 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:
on XXXX of this year a sent MEDICAL DATA SYSTEMS D/B/A XXXX XXXX XXXX XXXX, FL XXXX a Dispute letter they responded on XXXX XXXX of 2017 Confirming they can not locate an account/s with the information provided on my Dispute Letter, FEDERAL LAW requires that only Accurate And Verifiable Information be Reported to a persons credit file MEDICAL DATA SYSTEMS can not Locate the Information on account/s being reported by them on my credit file i provided them with the EXACT SAME INFORMATION they are reporting to the credit Bureaus and if they can not locate and verify this information they are clearly IN VIOLATION OF FEDERAL LAW please see attached response letter from MEDICAL DATA SYSTEMS confirming THEY CAN NOT LOCATE INFORMATION BEING REPORTED BY THEM TO 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 2015-12-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/2015 my card was stolen. Charges were flagged as fraudulent by a representative in the fraud department. I assumed all was resolved and I received a new card. I used the new card until being called again by the fraud department. At this point I cancelled that card and a XXXX card was issued. XXXX stolen cards show {$0.00} balances when viewed online. So I assumed the fraud was handled. I attempted to add in the new credit card to my online account to no avail and never recieved a statement. I called a half dozen times where I was rerouted to XXXX customer service and no one could access the account of give me any details relating to what was owed etc. On XX/XX/XXXX I finally reached someone who advised me that the fraud has not been removed? It is on the new XXXX card and that the payment is past due even-though I am on auto pay. I am being told that it was reported as late. They will not send a statement since the account is flagged for fraud? Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have finally decided to take a stance against Portfolio Recovery. I have received harassing phone calls, threatening to put a lean against the home I live in for many years. I recently submitted my disputes with the credit bureaus and was told that my accounts have been verified and few days later I received documents in the mail from Portfolio Recovery informing me of debts that I owe along with various statements of accounts that show inaccurate information. The debts that Portfolio Recovery continues to harass me about are inaccurate debts. The statements that they provided show inaccurate amounts of debts that are not owed to Portfolio Recovery. My credit report shows dates that my accounts where placed in collection with Portfolio Recovery with various dates of XX/XX/XXXX through XX/XX/XXXX, not once was I notified via mail of any debts owed by this company during the times that they are reporting on my credit report. I 'm not sure when these debts where obtained, but those amounts they are claiming I owe reflect no payments that where made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Several months ago I received an unsolicited credit card from Citibank. I NEVER activated the card.I went to COstco to pay my fee by another means and was told I could n't becasue Citibank had already billed me. 
I cancelled my Citibank card but was never able to get the charges removed. 
They also charged me a late fee and interest even though I had cancelled my card before the payment was due. Citibank took the extra charges off my account but i was still forced to pay the annual Costco fee before I was able to close the Citibank account. 
I live in California and thought that consumer protection in this state was having to activate I

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 monetary relief
Consumer complaint received 2022-05-21
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection on my credit for {$1400.00} that had not been made by me, it was opened XXXX, XXXX, 2022 I have no knowledge of this I have not gone to XXXX XXXX XXXX XXXXXXXX, Ive never even heard of the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/XXXX I submitted a complaint with Equifax regarding inquiries that I do not recall authorizing. Equifax always answers with the same standard response that it is my responsibility to contact the creditor to address this matter. This is a TOTAL contradiction to Equifax previous actions because records will show that Equifax has recently removed inquiries from my credit report without informing me that it is my responsibility to contact the creditor. The following inquiries I request to be investigated. I also request for the name of the Equifax Representative that conducted the investigation and the name of the person of behalf of the Creditor they spoke to confirm that the inquire was legitimate. If it was determined that the inquire was legitimate I am requesting Equifax to send me a copy of the documents used so I can verify it 's validity. 

Please note that some of the same inquiries were displayed on my XXXX and XXXX credit report and removed. 
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 ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony oversees the XXXX Mastercard, which gives high reward points for XXXX  spending for US merchants in US dolalrs and lower amounts for other spending. I use this card solely for XXXX spending. Per XXXX, I have purchased solely from US merchants and in US dollars in the last month ( statement for XX/XX/2020 ). Synchrony claims that some purchases are outside of the program rewards, but there is no evidence for this. The supposed dollar amounts spent outside of XXXX  do not align with any purchases made in the past month.

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 monetary relief
Consumer complaint received 2022-05-21
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.

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 2022-05-21
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: Personal information incorrect

Complaint:
credit reporting agency keeps getting my legal name wrong an mispelled.i have tried to correct this promblem in the past but got no progress.an also addresses that i never lived.

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 2016-05-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi CFPB, I 'm writing to you in the hopes that you can help me resolve this issue with Citibank. On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer of XXXX XXXX XXXX Miles in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. By XX/XX/2016, I fulfilled the terms of the offer. On XXXX XXXX, 2016 at XXXX PST, I called Citi and confirmed that I fulfilled all of the terms and will be receiving my bonus. On XXXX XXXX, 2016 at XXXX, I made a 2nd call to confirm my eligibility and that I have met all the terms. " Yes, you are eligible and have met all of the requirements. Please wait 60-90 days from the day you fulfilled your requirements for your miles to post '', I was told. On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were. " They 're coming, you will receive them no later than 90 days from the time you met your requirements. '' On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were, at which time they informed me that I will not be receiving my bonus because I was not eligible, and that they will start an investigation for me and that I will hear back no later than XXXX/XXXX/16. On XXXX XXXX, 2016 at XXXX PST, after not hearing back on XXXX/XXXX/16 as I was told, I made another call, to which I was told to sit tight until the investigation was finished. On the morning of XXXX XXXX, 2016, I was told by an email that the investigation was complete and that I was not eligible despite what the previous reps have told me. On XXXX/XXXX/16, at XXXX PST, I made a call and asked for a supervisor. The supervisor, XXXX, was very curt in telling me that I was not eligible and should have saved the mailer with the promotional code that I signed up with. This was after me informing him that I called twice in XX/XX/XXXX to confirm my eligibility and thus had no reason to keep the mailer, to which he responded " I do n't know how you deal with your mail but an organized person would keep all of the mail of a promotion. '' Citi has strung me ( and doubtlessly many others, seriously, with the way Citi is treating me, I have no doubt there are tons of people filing a complaint as well ) along for more than 3 months now. I have fulfilled my end of the bargain, and have received multiple assurances that that is the case, it is time that Citibank honors the deal that I signed up for.

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 2016-06-14
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank has charged within the last month over {$1000.00} in fees. When I look at my statement, a lot of the fees are caused by re-arranging how they process items when they post and on for pending items ( some of which never even posted ). I have contacted several times to no avail and even have spoken to their executive team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the US XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: ID
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:
When checking my FICO credit score I found a drop in my credit. When viewing the reason as to why it dropped, it stated a " seriously delinquent '' account reported by Experian. However, when all credit reports were gathered, all accounts were current and paid as agreed without delinquency. When contacting Experian and speaking to a customer service rep, she stated that there was a mistake but that is would have to be elevated to someone else to fix. I have not heard back from them and when I call there is an automated phone directory that never reaches a representative or has a dedicated line to resolve issues that I have. 

Agency : Experian Original contact : XX/XX/2020 Spoke with customer Service : XX/XX/2020 Case Number : XXXX Follow up call:XX/XX/2020 - No response, went through automated phone directory with no resolution. 
Follow up call : XX/XX/2020 - No response, went through automated phone directory with no resolution. 

There is still a reported " Serious Delinquency '' on XX/XX/2020 while current credit reports for XX/XX/2020 state " all accounts paid as agreed ''. 

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 2016-10-12
Company: WELLS FARGO & COMPANY
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Since filing my first complaint # XXXX, Wells Fargo has started foreclosure on my house, yet they are the ones that could n't modification paperwork correct. After 31 months they can not get the description right. In the meantime my credit is destroyed from their reporting I 'm not making payments. They are trying to sell the property based on the description that is wrong and will be giving a mortgage based on an incorrect property description.

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 2022-05-21
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: Account information incorrect

Complaint:
These complaint os for Equifax and XXXX who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have XXXX to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. EQUIFAX AND XXXX ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS EQUIFAX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH XXXX, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax refuse to report my XXXX installment accounts. I have XXXX XXXX XXXX credit cards and XXXX XXXX XXXX auto acct and they are not reporting these paid accounts. I have contacted Equifax and they said they only report what 's given. XXXX XXXX states they have sent all of my acct info to Equifax. My credit score is low because Equifax want add these accounts. Equifax will report negative accounts quickly but wo n't report my accounts in good standing. They told me I couldnt dispute because the accounts must first be on my credit report. 

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Reviewed credit reports through annual site to obtain all 3 reports. Attempted to submit disputes for incorrect name spelling and dispute a social security number that is not mines. Called into Experian number that was listed on report to call. 1st customer service rep came on I explained what I was trying to do and she advised she would transfer me to dispute center. I heard music while waiting, line opened up and no one is saying anything the line is just opened and it has been for 35mins. I called back into the Experian number on another phone and proceeded to tell rep what the issue is and that my other call is still open on my other phone and no one is saying anything. The rep has the line open but is not saying anything. In order to correct issues on my credit report I expect to be able to talk with the dispute center. If the dispute department is taking calls then they should be actually taking the calls and resolving them not pretending to be on a call.

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