BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-04
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Please refer to Complaint ID XXXX and XXXX for further details. 
In the previous complaint, BBVA claimed that : XX/XX/XXXX : Notification was sent to the branch to request SSN and DL from the customer XX/XX/XXXX : Bank notified the customer After receving these feedback in late XXXX, I conducted interviews with two employees XXXX XXXX and XXXX, who were the recipients of the request. 

1. XXXX XXXX was out of office from XXXX and returned to office on XX/XX/XXXX. He was not aware of the email from credit card service until XX/XX/XXXX that the application was missing documents but it was too late by then. No communication was sent out on XX/XX/XXXX. He said XXXX was in CC. 

2. XXXX said she never contacted the customer and was not really aware of the email from credit card service. No communication was sent out on XX/XX/XXXX. 

According to the employees at the branch, no communication was sent out to the customer requesting DL and SSN on XX/XX/XXXX as BBVA claims. This implies BBVA did not conduct interviews with the employees and casts doubt on fabrication. Lastly BBVA needs to explain why Credit Card Service was not able to provide any further details or requests to the customer when 4 calls were made prior to XXXX requesting the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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:
I noticed a few Inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello! This is for the Capital One XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called Capital One XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-09-01
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: Public record information inaccurate

Complaint:
I had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from Experian stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And Experian. XXXX XXXX and XXXX  sent me email notifications that the bancrupcy was valid.

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 2022-08-24
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original contract, creditor information, payment history and proof of ownership is needed {$8000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit reports i noticed unfamiliar accounts and information on my credit report... i may have been subject to fraud and my information compromised. The following accounts are unfamiliar... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-11
Company: Experian Information Solutions 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 started a dispute with Experian and XXXX. XXXX mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from Experian with information that I have no knowledge of, that does not belong to me.

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 2022-08-02
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I was tricked into making 5 unauthorized XXXX XXXX money transfers to the number XXXX XXXX that claimed to be my employer XXXX, as a way of verifying my identity and continue being able to transfer money from my XXXXXXXX XXXX account directly to my Citi bank account. 
According to the scammer claiming to be calling from XXXX XXXX, XXXX had received a compliant that I was impersonating a delivery driver or someone was using my account, and was also flagged for delivering food without wearing a face mask. The scammers were able convince me give them enough information through the use of text messages they generated to log into my XXXX account to extract the complete balance at the time of {$330.00} ( for which XXXX has reinstated the complete amount ) to a debit card of their own. However, they claimed that the only way to allow me to continue working for XXXXXXXX XXXX was to verify my identity through a minor money transfer using XXXX through my Citi Bank mobile app. 
They initial transactions were made to the aforementioned number, which the scammers claimed was an XXXX account which withheld no funds, and as soon as they could verify the transfer amounts they requested on their end, the funds would be immediately reversed to my Citi Bank account. 
The requested money was fraudulently transferred in five transactions in the following amounts : Transfer 1 : {$9.00} Transfer 2 : {$950.00} Transfer 3 : {$940.00} Transfer 4 : {$480.00} Transfer 5 : {$100.00} The fraudsters even asked to confirm the amount left in the account at the time in an attempt to wipe the account clean. After enough suspicion and the realization the funds were not being returned, I hung up and called both XXXX and Citi Bank to report the incident.

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 2022-08-01
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Sent a payoff check to the company. Sent certified mail. Check was delivered, they lost the check. Not willing to assist or do anything to find it. I was willing to do a stop payment and pay by phone, if they were willing to compensate for the stop payment since they lost it, the cost to send the certified check, and the per diem cost I have incurred over the last 10 days. They said no. They lost my information and a XXXX XXXX check. My banking information has been exposed, my money has been put at risk, and they refuse to take responsibility.

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 2022-12-03
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Ad Astra Recovery Se is trying to collect a debt of {$560.00} that has a derogatory mark on my credit report. They are not licensed in the state of Tennessee to collect the debt and I want it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
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:
My Experian disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. Experian required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents.

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Experian cant just verify my accounts by telling me they are verified. Nor can Experian verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Experian cant send me proof of these accounts from THEIR COMPANY, it must come off. 
All in all, Experian has ignored my request to provided me with the documents that it has in their files that Experian used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to ... promptly delete all information which can not be verified. 

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 


Experian fails to comply with federal regulations by credit reporting agencies. Experian is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, 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 2022-09-23
Company: EQUIFAX, 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:
REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
( Continued On Next Page ) XXXX Page 3 of XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

THEY DID NOT INVESTIGATE AND WITHIN 2HR OF THE DISPUTE WAS SENT THEY VERVFYDE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Credit Control, LLC
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:
I sent an Affidavit of Truth and an Invoice to Credit Control LLC, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Theses companies have reserves multiple invoices under the same tracking numbers.

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 2022-12-22
Company: EQUIFAX, INC.
State: PA
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 have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
( 1 ) XX/XX/XXXX Send a wire transfer to my bank in XXXX at {$1000.00}. It was successfully completed. 

( 2 ) XX/XX/XXXX Tried to make another wire request to my bank in XXXX again but this time the transaction was denied due to security reason. 

( 3 ) Call CITIBank to remove a security hold but only way to do so is send a letter requesting bank account closure with notary. 

( 4 ) XX/XX/XXXX Sent a letter by XXXX XXXX XXXX ( Tracking XXXX ) requesting both saving and checking account to be closed as instructed with notary by the embassy of United State in XXXX XXXX. 

( 5 ) XX/XX/XXXX XXXX Letter was received by the CITIBank XXXX 

( 6 ) XX/XX/XXXX through current : Call CITIBank numerous times to completed the closure process and requesting to release the fund as soon as possible due to my financial struggle caused by COVID19 outbreak. However, the CITIBank keep informing that they were unable to unlock my account due to security reason. 

( 7 ) Personal comment : 1. No explanation has been provided as to why CITIBank was unable to close my account although I have fulfilled my responsibility of sending legitimate notarized closure request per CITIBANK instruction. 

2. CITIBANK is abusing their power to restrict their client 's account for unreasonable and inappropriate reason. 

Here is my account information. 
Name of Account : XXXX XXXX XXXX of co-signer : XXXX XXXX Saving Account : XXXX Checking XXXX Date of 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 monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: TX
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:
Please help, there are inaccurate items listed on my credit file. I have disputed and nothing has changed. For an example XXXX XXXX XXXX accounts listed that I was taken off of years ago ( authorized user ) and still listed. I don't know what else to do I need some help. These credit agencies don't even acknowledge a dispute from a consumer. They don't even have my name right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
I had a court date on XX/XX/2022 and I was told by the judge that I need to return my key to the property and arrange a payment plan. I was told that I owe {$3000.00} but once I check my credit report it says that I owe {$5000.00} which will make it fraudulent charges to that account. I have tried resolving the issue with the property manager but I cant get any response so I was wondering is it possible that I can get this collection removed from 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