BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
From XX/XX/2020, I have submitted to First Advantage per XXXX the background check information. Per XXXX, the background checks are suppose to returned with 1-3 days after submission. However, In this case, First Advantage failed on numerous attempts and causing a denial due to their negates of telling that the SSA-98 form request the name to appear on the company a different way. I have submitted over 9 ssa-98 and  spoke to various agents as towards them the appears suppose to be on the document. Each advised incorrect information and causing me to lose out of more than 4 job  opportunity. This now is my 5th job opportunity lost do to them and each submission is requiring a SSA-98 which, its suppose to be good for 22 days. However, I see every other agent with XXXX getting their background check completed without a problem. I think this company in acting unethical and misrepresenting information. I was advised on several occasion the refusal to submit the information to the SSA. This is unfair practice and should be investigated. All I get from the representative is attitudes as " I am the one in charge, and I am not submitting anything to the SSA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has 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 XXXX XXXX XXXX ACCOUNT NUMBER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Court Order, dated XX/XX/21, appointing me Guardianship of Estate & Person for my brother, XXXX, who has been determined, by XXXX XXXX, to be XXXX of XXXX XXXX XXXX XXXX. In my role as Guardian, I applied to the Social Security Administration to be " Direct Payee '' for my brother 's Social Security and Supplemental Security Benefits. On XX/XX/21, the SSA officially established me as my brother 's Direct Payee. My next move was to apply for XXXX for my brother to supplement his care. However, XXXX requires me to list my brother 's financial status, which includes the bank account where his SSA & SSI benefits have been being deposited. I contacted the SSA, and while they gave me a Bank name, BBVA ( now PNC ), and Account Number where the funds are being deposited, they told me that it is my responsibility to contact the bank and ascertain the balance, etc ...., in the account. On XX/XX/21, I visited the local PNC bank, told them of my situation and provided a copy of the Court Order and SSA letter appointing me as Direct Payee. The lady that I spoke with did locate the account. However, the address associated with the account is incorrect. She said that all correspondence from PNC Legal would be by mail. When I reiterated that the address was incorrect, she said, " well once the correspondence is returned due to an invalid address, that they would use the address on the SSA letter ''. Go figure? When I asked when can I expect to hear back from PNC Legal, she replied cynically, " there's no way to know when you'll hear from them. I visited the PNC branch again on XX/XX/21, with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX, has 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 XXXX XXXX XXXXXXXX ACCOUNT NUMBER- 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 2022-04-30
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of a property in 2018, I paid 1st months rent, last months rent and security ( equal to 1 months rent ) when I initially moved in. I moved out before the end of my last month and never got the pro rated amount for last months rent or security deposit back which was fine, the property was cleaned professionally before I left and was in good shape, then I see on my credit report that I owe this property over {$12000.00} which equates to approximately 5 months rent! I have reached out to this property and have told them this is an egregious act and I absolutely do not owe anything to this property and demand they remove this from my credit report and they have been flagrantly unresponsive! Please help as I have a wife and XXXX XXXX XXXX daughter and this collection on my credit is preventing me from leasing a home in a decent area! I lose sleep over this every night! I have been fighting this since 2018 please please help! 

Thanks In Advance For Your Assistance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I reviewed my credit report and found items that are not mine. There are negative items that are not associated with me, the account as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and should be removed immediately.

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 2021-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America has processed a payment against my checking account without permission. They have refunded the credit to my checking account and now state that I owe them the amount of the credit. My balance is {$0.00} but they are stating that I owe them.

I have bank statements and documentation to back up this claim. I have called customer service to close the account and was hung up on by the representative. I would like someone to contact me ASAP.

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 2017-10-24
Company: SYNCHRONY FINANCIAL
State: GA
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:
Last month, I filed a dispute with Care Credit, under XXXX XXXX due to my being charged for services I did not receive, fraudulent advertising, as well as the advisement of my primary care physician informing me that engaging in treatment would work against my health. Care Credit/XXXX XXXX did not conduct a complete investigation into my complaint. I was told over the phone and per their own policy, I can not be charged for services I never received - per the company 's own policy " Serve not rendered ; a " no refund '' policy where not services/products were rendered is not an acceptable reason not to process a client refund. However, when I received the determination of my dispute, Care Credit/XXXX XXXX went against it 's own policy. The credit agency 's dispute system is not a valid one - which goes against what the company promised me ; resulting in my good faith to engage in an agreement with Care Credit/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 monetary relief
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has 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 XXXX XXXX XXXX ACCOUNT NUMBER- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has 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 XXXX XXXX XXXX ACCOUNT NUMBER- 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 2017-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This complaint is against Portfolio Recovery Associates regarding an account. I paid an outstanding balance of {$890.00} on XXXX XXXX, XXXX at XXXX. I contacted XXXX XXXX 's court because I have a case there regarding this debt that was paid. XXXX XXXX, XXXX at XXXX and spoke with XXXX XXXX the courts building. She advised they have not received anything from XXXX XXXX showing that the balance has been paid. I have already gone to the court house with the copies of my receipts showing proof the balance has been paid. But that is not sufficient, they want documentation directly from Portfolio Recovery Associates stating the balance has been taken care of and that the case can be dismissed. I contacted Portfolio Recovery on XXXX XXXX, XXXX at XXXX at the number XXXX and I was told they were going to email a supervisor regarding this matter. Again I called Portfolio Recovery Associates at XXXX and requested to speak to a supervisor on XXXX XXXX at XXXX. The female representative would not transfer me to a supervisor that she was going to email her supervisor regarding this matter. XXXX XXXX, XXXX I called the courts and the court house advised that they do not have the documentation from Portfolio Recovery. On XXXX XXXX, XXXX, I emailed Portfolio Recovery to take care of this matter and have the court case dismissed at XXXX XXXX XXXX 's Court. Nothing got resolved and I did n't not get a response from XXXX XXXX. I called Portfolio Recovery XXXX XXXX, XXXX at XXXX, I spoke with XXXX XXXX and she had me transferred over to a supervisor. The supervisor advised that they were sending me a letter to my home address and on that letter I had to sign the paper work to have the case dismisssed. She said the letter had been mailed out on XXXX XXXX, XXXX, I still have not received the letter that I needed to sign. Today, XXXX XXXX, XXXX at XXXX I spoke with XXXX XXXX Portfolio Recovery and he told me he was going to email his supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 annual credit report, Transunion file no XXXX XXXX copy enclosed My name is considered a potencial match listed Us dept of treasury office of foreign affairs.Someone with the same in XXXX source uid XXXX. 
Im a US citicen all my life dont know this person.Never being to XXXX was not born in this country never being to this country dont intent to go to this country. 
Please I will like to have this removed from my credit file. 
Thanks PageNo on report 9 of 12

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 2022-04-30
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} TRANSUNION : XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00}

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 non-monetary relief
Consumer complaint received 2022-08-13
Company: Healthcare Management, LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing on behalf of my wife XXXX XXXX. We saw back in XXXX of XXXX  that she had a collections on her credit report for a medical bill she received as a child. We immediately contacted A-1 to pay the amount of {$200.00} in full the very next day. We requested a goodwill deletion because of her otherwise perfect credit record- this was a debt levied onto a minor who at the time did not even realize it existed. Because of this circumstance A-1 agreed to a goodwill deletion. 

This past week the collection was reopened on her credit reneging on their promise and the account now appears to be open as if we never paid. Attached are bank statements and credit report info that documents this illegal situation and illegal attempt to collect an already paid debt. 

I am also sending this to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as the originator of the medical debt for their failure to utilize a reputable debt collection agency and being complicit in these illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: KY
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 am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US SM BUS ADMIN ODA, 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: LA
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:
show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM

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 2017-10-24
Company: LoanCare, LLC
State: NV
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 a missed payement with XXXX currently its XXXX they are reporting missed payment that i tried fixing with them and they do n't even disclose information to me at all. not even days supposedly payment was missed. i fount out thru my lender i normally use that it was XXXX of XXXX i never had a missed payment in my life. i remember one of their rep calling me and saying to my account number did n't match and my payment is late, i give them my routing and account number over the phone and told them to CALL ME if payment did n't go thru. they never did. 
I tried solving it with company and emailed them payment confirmation and my bank statements showing i had more then enough money on my account. i have to loans with them one of them is {$2300.00} and another is {$950.00}. the house with lower payment of {$950.00} did n't go thru because they did n't process it correctly and when they calling me i gave them info again and again the did n't process. i open dispute with them that took way over 30 days. had to call them several time and still no luck. i have lixington law firm fighting with them for over a year and still no luck. my credit used to be over XXXX points and it dropped bellow XXXX after that., now i 'm getting a new house XXXX my 4th one ) for {$620.00} and new business building for XXXX XXXX and they give me hard time about the missed payment. please help me resolve it. i even pay additional principal minimum of {$500.00} per account for 5 years. paid off my 1st house in XXXX years. i 'm beyond responsible to miss a payment like that.

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