BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: IN
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 have tried to get the following fraudulent account removed from my report with Equifax for the last couple months. Despite numerous efforts Equifax continues to report it on my credit report. I have opened up a idenity theft complaint with the Indiana Attorney General 's Office. Please see the complaint number attached. I despite that the items be removed. If not, I will continue with further legal action. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXXXXXX XXXX XXXX # XXXX, # XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX put several lates on my account. I had automatic payments scheduled. They are such a large company. I called several times and they said that they would update my account and apologized for the late reporting and they would correct. Now its been several weeks and no respose not even a letter to update. I contacted the credit bureau and they never even sent us a letter with the status its been over 3 months, I need help with this. I pay over 2500 a  month at XXXX XXXX. They are amazing with service and I feel that they overlooked my requests. I have auto matic payments please help to update 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 2022-07-12
Company: Experian Information Solutions Inc.
State: MN
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 collection account from XXXX XXXX, XXXX thats currently listed on my Experian, XXXX and XXXX XXXX credit report is not my collection account and is the result of identity theft. The collection account is a fraudulent account and the is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Cancelled monthly monitoring services with Experian at XXXX XXXX  on XX/XX/2017. Since that period, Experian has continued to charge my Debit Card {$24.00} every month. The debit card is only given enough money to cover specific monthly expenses. Because they keep charging me, my account keeps getting charged overdraft fees. Each time I try to call Experian, my average " hold time '' is an hour and 45 minutes.

They continue to keep attempting to charge my debit card and I have had to cancel the bank account to avoid continuing charges.

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 2016-06-29
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First I would like to state that I have never signed up with Advance America. I never contacted their company nor signed up for services through them. XX/XX/XXXX I stated receiving emails from what appears to be Advance America saying I owe them for an outstanding balance. I have never received anything in my physical mail in regards to any debt owed. I have asked multiple times for them to send me documented proof of debt and they have continued to not send me verification. Yet every few months I receive an email saying I owe them. Not only are they only emailing me trying to obtain money, but they are refusing to show proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is regarding a 2nd Draw PPP loan originally with XXXX XXXX  ( acquired by PNC Bank in late XXXX. ) PNC Bank is using an erroneous definition of maximum loan amount for XXXX XXXX owner-employees and therefore only applied for partial forgiveness of my PPP  Loan with XXXX. I corresponded with PNC Bank 's PPP loan specialists primarily throughout the month of XXXX. They took a position and didn't consider the information presented regarding their erroneous interpretation of XXXX guidance ( FYI- I'm a CPA with over 30-years experience in tax an accounting matters. ) Rather than look into the matter, they just kept informing me I could file an appeal with XXXX if I didn't agree. Their position was that for XXXX XXXX owner-employees, health insurance was not included in cash compensation or " gross wages '' and didn't count for purposes of determining the maximum loan - therefore XXXX 's loan to my XXXX XXXX was greater than the maximum allowed and the excess did not qualify for XXXX forgiveness XXXX The salary amount was small ; no were near the maximum salary threshold, meaning health insurance should have been included in determining " gross salary '' and/or cash compensation in calculating the maximum amount that can be borrowed. 


References : XXXX 's : Paycheck Protection Program " How to Calculate Maximum Loan Amounts - By Business Type '' dated XX/XX/XXXX and also their " Second Draw PPP Loans : " How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Provide '', as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: IL
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 multiple inquiries on my report that i do not recognize credit XXXXXXXX bank XXXX XXXX XXXXXXXX bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo committed fraud by stealing money from the elderly. I am XXXX years old, I have a account with Wells Fargo, Acct # XXXX. On Sunday, XXXX XXXX, 2015, the day before XXXX, I purchased food at XXXX XXXX and wrote a check # XXXX in the amount of XXXX}. I also wrote a check on Tuesday, XXXX XXXX, 2015, the day after XXXX, on XXXX XXXX, 2015 I receive a survivors benefit check in the amount of {$XXXX} which post Eastern Standard TIme at XXXX XXXX, XXXX Pacific time. Wells Fargo. On the back of Check # XXXX in the amount of {$75.00} The XXXX stamped it XXXX XXXX, 2015 as being processed, the money was in my account, Wells Fargo fraudulently charged me a service charge of {$35.00}. They also charged me {$35.00} service charge for Check # XXXX in the amount of XXXX. These XXXX checks were covered because my direct deposit from Social Security was in the account. I went to Wells Fargo and spoke to the Manager of the Store, XXXX XXXX, ID XXXX, she took the bank statement along with the XXXX checks and proceeded into her office not asking me to come into her office while she looked at the copies. XXXX minutes later she comes out into the lobby where I waited and broke the privacy act discussing my account with a lobby full of customers. She treated me with no respect and I feel discriminated against me because she saw I was elderly, she failed to ask for my identification. She failed to see on the back of the check the date was stamped XXXX XXXX, 2015 for check number XXXX by The XXXX. It is my opinion Wells Fargo should investigate this store manager, the proof is on the back of the check and she had no right to discriminate me and embarrass me in front of a lobby full of people. I am asking that Wells Fargo refund my money and a apology letter on behalf of their Store Manager, XXXX XXXX she should not work at a bank who judges people by the way they look.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: OH
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:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2022-03-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''

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 2022-07-12
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX OF XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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   is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

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 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA Opened XX/XX/2011 has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020 I applied online for a Discover Card. I was immediately approved for a $ XXXX limit and received a message that my card would be mailed shortly. I received the card and called the number on the back to activate the card. The customer service rep came on the line and stated that they would not activate the account until I went to a notary public and have them verify my identity. I asked what was going on since the account had already been approved and I had received the card. The rep stated that they could not identify a phone number on my records. I explained that I had recently changed my cellphone number and I gave her the number that I thought they were questioning and she verified that was the number BUT still insisted that they would need to send me a form to have a notary public verify my identity. I explained that I was not doing that because they should have never pulled my credit report, opened the account, and mailed me a card if they had problems with the phone number. After going around in circles with her for 30 minutes or more, even informing her of a prior account I had with them, she still refused to activate the account. If I can't use the card, then that is Discover, closing my account. I made it very clear to the rep that I did not want this to negatively effect my credit. Also, mind you, this took place when our state and most of the country was in lockdown due to the pandemic. Bank lobbies were closed. How was I to access a notary public BUT, why did they pull my credit and open the account and send me a card in the first place? The account was closed and then they sent a bogus email, stating that at my request, the account was closed. It was never opened, if they would not activate the card. I contacted them in XXXX and asked that they remove their credit pull from my credit report because it caused a 25 point drop in my score. The customer service reps said they referred my inquiry to the credit management dept and I would be contacted in 30 days with a decision. In 30 days, I was sent a blank form for me to explain my complaint. On XX/XX/XXXX a letter was mailed from Discover stating they would not remove the credit pull because they did open an account for me. Again, how is an account opened when you want activate the card so that it can be used? Discover is conducting themselves in a very poor manner regarding this situation. They refused to activate the card, thereby prohibiting my use of the credit line and now they refuse to remove the inquiry from my credit report. So I the consumer have no credit line with Discover and a 25 point ding to my credit score. I've worked very hard to maintain a very good ( not good ) credit score and for them to misuse my credit information the way that they have is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: MI
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 have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, Equifax and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I still have {$5400.00} held up by Bank of AmericaXXXX XXXX benefits that I haven't been able to receive. They first blocked payments in XXXX of XXXX in the middle of the pandemic, again in XXXX of XXXX, and a third time in XXXX of XXXX. I tried multiple times to contact Bank of America and XXXX XXXX and was not able to get through, and received no replies to my questions. Thanks in advance for your 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