BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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: Problem with product or service terms changing

Complaint:
On XX/XX/2017, upon hearing of the data breach at Equifax, I went to their website. It asked for the last 6 digits of my social security number. Then it told me none of my credit information had been compromised.
Then I learned that by using the site to check if my data was breached, I had opted into an arbitration clause. To preserve my rights to sue them in a federal court, I have to notify them in writing. Snail mail, stamp, envelope, time. Equifax tricked me. Of course I can join a class-action lawsuit, but right now I just want you to enjoin them from tricking other consumers as Equifax tricked me.
Equifax does not provide a clearly accessible phone number to contact customer service, specifically for those whom may have been affected but have not bought any products from Equifax.
If their website contained a telephone number for consumers who had not created an account from purchasing a product, I could not find it. I am XXXX. It could be that the website was poorly constructed and that my screen reading software merely did not read the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have have repeatedly requested Portfolio Recovery Assc to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. XXXX XXXX XXXX  charged off the account of XX/XX/XXXX but neither XXXX XXXX XXXX   or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed Portfolio Recovery ASSC recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that Portfolio Recovery reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: MD
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:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a XXXX XXXX   account not reporting correctly at all- trans union shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account XXXX XXXX XXXX that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info 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 explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: IN
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:
LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX CO IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.

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 2021-08-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I spoke with an agent at Experian regarding a dispute letter that I mailed ( certified ) and faxed, who acknowledged receipt of my letter and proof however the agent refused to help me stating that Experian can not delete the account from MY consumer report until XXXX XXXX gives them the proof to delete the account. The proof that I sent in contained a communication from XXXX XXXX XXXX stating that " XXXX XXXX is not currently handling the referenced account. Additionally, Experian is the only bureau furnishing this unauthorized account ( attached titled proof # 1 ) which clearly proves a discrepancies and the law states that all information listed on my credit report has to be accurate. I have attempted to resolve this issues numerous times. Experian is in direct violation of my consumer rights. I have filed several CFPB complaints regarding Experian but my consumer rights are not being protected.

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 2017-09-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Applied for Home Equity Line of Credit XX/XX/XXXX at Santander Bank. I wanted to consolidate credit cards to pay off at lower rate and have a better credit rating to cosign my daughter 's college loans. SHe is a XXXX so I have more loans to go. I am XXXX XXXX, had XXXX XXXX 2 yrs ago. Was told 6wks. It took until X/XX/17 to close. XXXX XXXX was the executive at XXXX XXXX I spoke with. He pushed me off to assistant XXXX XXXX who repeatedly had me fax papers saying they never got them. Dates passed by as I kept asking what was going on. Very poor understanding of their product by the employees. Closing was held at a XXXX by XXXX XXXX, noist, papers fying, on stools. It was there I was 1st told I had to open a checking account to pay my interest and principal payments into in order for HELOC to be taken out. This was a surprise and questioned why I would n't just pay directly. I have a XXXX  cchecking acct. I do n't need this one. She said it was how they did it. I was told ther would be an overdraft fee. But, since I never planned to take any $ out ever agin, but only pay off, I did n't think I would need it. As in my XXXX acct overdraft charges are only made if you overdraft. I found out 2 wks ago this is a monthly regular charge. News to me as was the invoice showing $ XXXX/monthly statement. There are surprise fees evry single month. I am being nickle and dimed. It was bait and swith just to open a cking acct to get those fees. My wallet was stolen XX/XX/XXXX and Santander allowed the thieves to get {$50000.00} from an dummy checking acct and allowed them to take from my HELOC!! I have reported the fraud XX/XX/XXXX,XX/XX/XXXX and every day until today when I was called to the branch to file a claim. XXXX handled it by XX/XX/XXXX, all funds returned to my accts. I filed a police report. they said they never heard of a bank not replacing funds asap! I am very stressed and feel abused and pushed to my limits until I am crying and screaming, swearing at them to remove those hidden fees and refund those funds after 6 whole days.
During last 5 months many errors, tellers not knowing how to process my payment tho I followed directions to the " T '' and many, many calls from them again and again. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Sunlight Financial LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good afternoon, I took out a loan from XXXX  XXXX to finance my solar panels and solar battery. They used Sunlight Financial who uses XXXX XXXX XXXX  to originate the loan and then transferred the loan over to XXXX XXXX  XXXX. The issue is that I am being charged unearned fees in interest for an APR of 3.49 % when the loan agreement I signed the APR is 2.99 % with ACH withdrawals as a discount. I have contacted SunlightFinancialXXXX every month for the past 3-4 months to let them know the payment amount they listed to pull from my account and are currently pulling from my account is overstated at {$160.00} when I am only supposed to be paying {$150.00}. They have updated the APR on the later statements but are still charging me a higher monthly payment on unearned fees. I have reached out several times and this has still not been resolved. What I would like as a resolution would be my next ACH payment on XX/XX/2022 to be drafted correctly for the correct payment amount & this remark to remain on their record so that they dont display this negligence again with either myself or other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have asked them to remove this account off of my crimes it. I still have an active account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-07-31
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-16
Company: Experian Information Solutions 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:
I HAVE WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC

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 2021-08-26
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AFNI Located at the below address and phone number opened a claim on my credit report that is not mine. The company has not provided any information on the claim. This is the second time the claim has been reported on my credit report which has caused my credit to be impacted. The company should not be able to create fraudulent claims to credit reporting agencies. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2021, 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 2022-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX BANK XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX XXXX ( Bank XXXX XXXXXXXX XXXX  ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened under my name some time in 2017, the original creditor was XXXX XXXX XXXX, it has now turned into a collection agency with a company named I.Q Data Internatio XXXX XXXX   XXXX, XXXX, WA XXXX. I have tried disputing this information with XXXX, i have filed an identity theft report, filed multiple disputes on this collection account. And they still won't remove it from my credit report. I even tried calling the collection agency my self, and they were nasty rude people, they did not care about anything else but their money, even when i told them that it wasnt my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016 I paid off my credit card I was told if I did it would be removed off more credit report but has not. Its been two years and still nothing I called several times, to resolve it.

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 2018-08-04
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, on XX/XX/2018 I purchased an annual movie pass from XXXX XXXX When I purchased the annual movie pass they said the pass would arrive within 2 weeks. Its been 2 months and the pass has never been received. They billed me right away. I have contacted XXXX  3x to get a resolution as to where my pass is. They never responded. I initated a dispute with my credit card company Citicards around early to mid-XXXX. They gave me a conditional credit pending the dispute. About a week later they denied my claim because XXXX provided a rebuttal that the card has a positive AVS-Y result and positive CVV so they denied my claim as it was not considered fraud. Problem is, I never disputed it as fraud. I willingly and knowingly initiated the purchase. The issue is, I can not use the service until I receive the card. Its like buying a pair of shoes online, being charged, and never receiving the shoes in the mail. That's not fraud, that's good not received. Since then, I have contacted Citi via email, written letter and phone calls and have gotten no reoslution as they either ignore me ( email, letter ) or they say its not their department and when they transfer me, I get disconnected. The charge is for {$160.00}. Citi can contact XXXX and see A ) I never received the card in the mail and B ) never used their service. If you XXXX search XXXX XXXX complaints - you'll see numerous upon numerous complaints about this company scamming people. I believe some receive their cards, while others dont which is how this company keeps scamming people. I have also initiated a dispute with XXXX. I uploaded my statement so you can see the charge in question. Any help with this matter would be greatly appreciated. Thank you for your 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 monetary relief