BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
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 was checking my credit report and I saw that my credit score is low because you put some accounts there. I have no idea where did you get it I didn't use anything and never apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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 formally requested for XXXX/XXXX # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same 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 2022-04-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In XXXX 2022, I sent Experian a letter telling them to remove addresses that did not belong to me from my credit report and credit file. They disregarded my letter and failed to remove the addresses.

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 2021-02-11
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX. XXXX and TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 


XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: SUNTRUST BANKS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection department of Suntrust Bank Mortgage has contacted me over the telephone several times the past month, yesterday, and today XX/XX/2018 alleging that my mortgage payment is due and delinquent, when it is not. Their collector uses intimidating warning language and false facts ( ... this call is being recorded for debt collection puposes, your mortgage is due as of the first ... or someting like that ). They bought my loan recently, and as a result one of my payments went to the old mortgage company, which I guess put me on their bad list. I corrected the mistake as soon as I could, but they have blacklisted me and therefore the baseles, harassing and bulling calls started. The calls are harassing and demeaning ( one of their agents demeaned me by mocking my accent and pretending to speak mocking XXXX  ). I tried requesting them on the telephone to stop, with no avail.

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: 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX. EQUIFAX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I do not choose to share my u.s.a. ssn with consumer financial institutions and the institutions make a problem of it by requiring a number, by law only required to be shared to the u.s.a. ssa, before issuing a card with printed name. I need arrangements to have an account without using an u.s.a. ssn for a consumer finance tracking device.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I submitted a complaint previously regarding a 30 day late reporting on my credit by XXXX from XX/XX/2019. XXXX refused to remove the late because they feel they notified me by mail on a statement that I did not receive. 

My statements with XXXX are not always received on a monthly basis and they are sometimes received late. I do not recall receiving this specific bill. 

Additionally, on the bottom of the bill in tiny writing, it states that my account " may be '' transferred to Capital One. Even if I had received this statement the writing on this notice is very small and seems to be a general notice only affecting certain customers. 

I don't think it's fair for this 30 day late to stay on my credit just because they have a record of mailing out a notice. There is no record of me receiving this notice and I am stating here with penalty of perjury that I did not receive this notice. 

Please reconsider the removal of this late that is tarnishing my great credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
No bank can not take a a payment of benefit to repay overdraft. Social Security, XXXX XXXX benefits. To pay bills, rent, medical insurance. Utilities, and food. 
Bank of America violated this against senior. The negative was not negative. It was a back pay legitimate government check for XXXX XXXX. The bank should have reissued another check. The bank manager at XXXX XXXX XXXX XXXX approved and cashed it. 
I should have my XXXX XXXX Social security replaced and refunded due to my income being lost to pay for living situation. 
XXXX XXXX. XXXX, & XXXX, XXXX branch have not corrected this matter

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 2017-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I currently bank  with WellsFargo and i use the app   XXXX   XXXX   to get paid daily for everyday i go to work.my bank is refusing to allow   XXXX   XXXX   update reports about my banking information. They authorized and update their info to active hours every 24 hours.   XXXX   XXXX   requests my bank info like balance etc to be updated every hour. Its an automatic system so whats the trouble right? Well they still only send updates to the app every 24hrs so thats n y complaint

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: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy  XXXX  XXXX with case number XXXX that XXXX is wrongfully reporting on my credit report because this bankruptcy is not mine and you are reporting inaccurate information on my credit report. My name and last name have been mixed with someone else file by XXXX, and I am requesting XXXX to remove or delete this bankruptcy immediately. 

I disputed this bankruptcy with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. and you responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but XXXX didn't remove or deleted this bankruptcy. 

XXXX used my first name and middle name to mix my Information with someone else court records. I will provide a copy of my social security card as my identification showing my full name. 

Remove or delete this bankruptcy immediately because it is NOT mine and you are reporting inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2019-10-18
Company: Experian Information Solutions 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 and Experian are reporting an account on my credit report as a delinquent negative account. I settled the account in full and this account should completely be removed from my credit file or reflect " settled in full. The forementioned reporting agencies are reporting this debt as charged off debt when the debt has been settled in full.

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 2021-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
Experian keeps sending the same exact response that they need authorization, when I jar responded to them and I have given authorization each time. this is getting redundant and Experian needs to address my complaint which I have asked numerous times. I know that Covid had affected everyone, but they should just blow me off by sending the same exact messages which I think are automated. I give and have give Experian authorization to proceed with my complaint

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
This is regarding transaction ids : XXXX and XXXX I paid for these transactions using paypal key for convenience which is backed by my credit card. 

For some reason paypal key authorized these transactions via an echeck despite me selecting a credit card banking my key. I also had multiple other cards in my account all active and willing to complete the charge if needed. 

Paypal to reduce its fees decided to debit my bank account instead, it debited this amount twice and it led to two NSF fees of {$20.00} each. 

I tried to resolve the issue via the PayPal help feature on the side and the agent after telling me they will resolve it asked me to call. After I asked for revocation of authorization to debit my bank and they closed the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit 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 2019-12-03
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently pulled my credit report from all three credit bureau 's. After reviewing my reports I noticed a collection account listed that I had no knowledge of. The collection company name was listed as Diversified Consultant. The company says there is a bill in the amount of {$1100.00} owed by me. The company also say 's this collection was placed in XXXX of XXXX. After checking my own personal records and files I was not able to find documentation of any contracts, bills, with my name or social etc, supporting this claim. 
I reached out to the company per certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. The company has since removed the collection from only my XXXX  account, but are still reporting it on the XXXX  as well as my XXXX  account. Please assist me in getting this negative inaccurate account removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC, my HELOC lender has fraud me of undue interest caused by thier mismanagement of principle payments to my HELOC. 

I Made very clear, specific principle payments on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX during tax year XXXX. In had multiple conversations with PNC to ensure the payments posted correctly and even a follow up call to ensure the autopayments continued on shedule. The auto withdraw payment posted on XXXX XX/XX/XXXX on shedule. I made another principle payment on XX/XX/XXXX for XXXX when I found out they had stopped making the auto withdrawal payments after XXXX XX/XX/XXXX. 

The account information says clearly '' principle payment '' versus the normal automatic monthly withdrawal " payment '' of principle and interest. {$380.00} I Recieved the ending of year HELOC tax statement for XXXXand realized something was wrong. 

PNC mis applied the principle payments as payment advances and stopped drawing the auto payment. 

This cost me considerable interest from XX/XX/XXXX when they made the error. 

I requested reconciliation of the account and compensation of the interest paid. 

It was escalated to their service department and they notified me verbialy today, XXXX XX/XX/XXXX thier system can not correct the error and they refuse to do anything to correct the error. I need the load recalculated with the correction in the payments applied as they should have been to determine the credit in interest paid. They refuse and would not put in writing their decision or acknowledge their fault, even though the account statements are worded correct. The posted actions are not. One autopayment was made after the principle payment, then they stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 explanation
Consumer complaint received 2017-06-11
Company: Bridgecrest Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
XXXX / bridgecrest is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure bridgecrest pays for their lies all the time.

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