BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: SYNCHRONY FINANCIAL
State: NY
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:
The following shows up on my report, XXXX, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/2020  but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information Syncb/tjx XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.

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 2020-01-13
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In reviewing my credit report I found Americollect as a collector saying I owe {$240.00}. I sent a letter on XX/XX/19 asking for debt validation. The letter was returned, so I found the correct address of Americollect, XXXX XXXX XXXX XXXX, XXXX, WI XXXX and resent the letter. I did not receive any correspondence from them, however, my credit report was updated saying the account information disputed by consumer meets FCRA requirements. I then sent an Estoppel letter on XX/XX/19 again asking for debt validation. My attempt was ignored again prompting a third and final letter on XX/XX/19. Again no response. Americollect is deliberately and defiantly ignoring my request and they are now in violation of my rights as a consumer. I have absolutely nothing from them saying I owe Americollect this 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 2020-08-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the account is past due, cause of covid-19, the reemployment assistance is still pending, i check and call them but there isnt a way to leave a message and sent a email on there site still to this day, ive heard nothing they are calling use the number i give and a XXXX number as well, when i call american express they had me on a recorded line with out my permission and wanted me to agree for auto payments in out to get any assistance. i file a dispute all credit bureaus all sent it back as frivolous.at this time it is hard for me to maintain .they add late fees and high interest and sent a email stating if i miss two more payments they will be reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/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 2016-12-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT A REQUEST TO HAVE ANY EXTENDED FRAUD ALERTS OR SECURITY FREEZES PUT ON MY ACCOUNT. YOU ARE NOT TO PUT ANY OF THOSE ON MY ACCOUNT. ALSO TAKE OFF THE BLOCK ON MY ACCOUNT FOR PROMOTIONAL PURPOSES AS I NEVER AUTHORIZED YOU TO PUT THAT ON THERE. 

i spoke to XXXX collection today and spoke to XXXX XXXX and she advised that this account has been closed and is no longer in their system and they submitted a manual request for deletion to the credit bureaus. So this account still remains on my file and proves that Equifax lied about them verifying this. Also XXXX I spoke to XXXX at XXXX XXXX and she informed me that XXXX does not have any original source document nor do they have a signed XXXX Release form showing that this medical facility has the right to share any of my person information so this is now a FEDERAL OFFENSE and Equifax is just as guilty for saying they have verified these XXXX XXXX accounts when they have not done so. By me calling these creditors today this shows that Equifax is violation federal laws in the FCRA and they need to be fined and shut down for doing so. Read the hand written notes on the attachment. I have caught you in a bold face lie about verifying these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Municipal Collections Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Municipal Collection Services, LLC. has contacted me in writing and by telephone many times attempting to force me to pay a debt that is not mine. I notified them that I am not XXXX XXXX ; I did not reside at XXXX XXXX XXXX, XXXX, XXXX in XXXX ; nor did I own or lease a XXXX with the plate number on record. The debt is for a red light camera ticket for {$200.00} from XX/XX/2014 in XXXX, XXXX. I havent been to XXXX in 30 years.The ticket number is XXXX. The account number is XXXX. The representative, XXXX, stated that it is my responsibility to prove that this ticket is not mine and instructed me to go to the Indiana XXXX for documentation. I thought the debt collection agency must accurately document and provide proof of the debt. XXXX asked if I knew a XXXX with a similar last name. I need help in dealing with this matter because someone in XXXX, Illinois stole my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello, In regards to : Name : CREDIT ONE BANK Acct # : XXXX - This item is currently under investigation. You should receive the results of our investigation soon. 

I am demanding that you remove this item from my CR. This has been under investigation for well over 90 days with no update and I have continually reported this as inaccurate. I will be filing another Attorney General complaint against EQUIFAX if you do not comply with my request! 
XXXXXXXX - This account does not belong to me. You have not proven such and again, this Collection account should be removed from my report under EQUIFAX immediately! I did not pay XXXX a dime of my money for any account, because I have never had XXXX as a provider. REMOVE THIS NOW! 

Also, there are a number if Credit Inquires that you have allowed to take place with your company, which no other CRA has been as shady to allow. Your company is horrible! 
These inquiries should be taken down immediately - or you need to supply me with PHYSICAL documentation showing just cause as to why these inquiries are on my report with you. If you can not, these inquiries are to be removed pronto : 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 - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: PNC Bank N.A.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started calling to PNC Bank to obtain my pay off amount in XX/XX/XXXX9. My  payments were submitted by XXXX XXXX accelerated program and were always submitted on time. They deducted from my bank account every two weeks a set and consistently throughout the year Occasionally there would be an extra amount in which XXXX XXXX would submit to PNC as a principal payment and noted as such on the manual check and mailed to pnc for posting. PNC applied most payments correctly but I did find a few that were not applied correctly and interest deducted from those payments. I started my inquiry when I requested my payoff amount. I never received monthly ststements from PNC to show payment activity. When I looked over my history in XX/XX/XXXX I noticed some payments were not applied correctly. I called and requested PNC to review my loan starting from inception date in XX/XX/XXXX. PNC acknowledged error and corrected two of the payments in which this lowered my payoff amount. I called back to pnc to let them know there was still two payments to be corrected. I wanted tbe correct payoff amount before paying off my auto. PNC NEVER CALLED BACK. I was always the initiator for the status of inquiry. This started in XX/XX/XXXX and XX/XX/XXXX still reviewing case open. In XX/XX/XXXX i called again to convey my frustration. I was told on XX/XX/XXXX there was a decision and they would not consider XX/XX/XXXX and XX/XX/XXXX to be posted correctly and recalculate interest as they were too old. But they did reapply another XX/XX/XXXX principal only payment. This was clearly their error and did not post payments correctly therefore I overpaid on my loan. I did payoff loan in november so i did not accrue further daily interest. This loan was paid off approximately one year early with never a late payment. I just want to pay the correct payoff amount with the correct interest applied. If they do this to other people and their defense is that it is up to the consumer to track their payments but they do not hold themselves responsible as to have quality employees to apply payments correctly. They add re making money off this process. My final complaint was if they can not calculate back to those two payments then figure a fair amount that would be refunded to me. They closed complaint and stated they could not help me. This took 4 months to let me know they could not do anything about it. Then their employee that was working on my file lied about calling me back and stating phone number was not good or could not leave voicemail. I just want want is due back to me and to pay correct amount on my loan. I still do not have an official response in writing from PNC and never received verbal response without me initiating the call. Very poor customer service. What other options do I have to receive my refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-16
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XX/XX/XXXX-XX/XX/XXXX, Chase Bank told IRS how much money I have and how much I deposit/withrow even tax free bond. 
The law say Chase can show IRS only 1099 INT that show how much interest they paid me, so because what Chase did, the IRS behind me now and what me to pay them {$47.00}, because Chase confuse the IRS. 
I called Chase and they said will send me 1099 form and I will get it in one week, now this is about a month but never got it. 
I call ed Chase back many times but they hung up on me. I need 1099 form y
ear XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: HI
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:
These accounts I have noticed in my credit report should not be in there. I was not notified so I am filing this complaint for myself. As the original creditor, only I can validate this debt and I do not validate this debt. Therefore, the following accounts must be deleted from my report 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 non-monetary relief
Consumer complaint received 2022-06-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX of XX/XX/2022 PayPal permanently limited my account and will not let me get it back, refunded people I already sent out items to and isnt being helpful at all in letting me try to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
this complaint is against experian the other bureaus were easy to use. Repeated attempts to unfreeze report has failed. the online service is no help, telephone attempts are also useless the automated service will not take input you can not get to a live agent to resolve conflicts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up XXXX XXXX again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, XXXX As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX XXXX Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and XXXX. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently started using a new voicemail service and since then, have been receiving calls from Discover Bank on average ever 2-4 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
Citi Cards is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up Citi Cards again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: LA
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 identity was stolen someone has opened accounts in my name I did not authorize.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 identity was stolen someone has opened accounts in my name I did not authorize.

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 2020-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Request to Reinvestigate & Delete Accounts Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.1.XXXXacct. # XXXX2.XXXXacct. # XXXX,3.XXXX XXXXacct. # XXXX,4.XXXXacct. # XXXX,5. ( Original Creditor : ) acct. # XXXX6. ( Original Creditor : ) acct. # XXXX7. ( Original Creditor : XXXX ) acct. # XXXX  The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Company response to consumer: Closed with explanation