BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MS
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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a savings account on XX/XX/18 through a {$400.00} promotion listed publicly on their website. The same promo terms can be found here : XXXX XXXX   XXXX? XXXX &   XXXX I deposited {$15000.00} as the terms stated, and left that deposited for 60 days. I waited over 90 days for the bonus to post, as noted in the terms. It has been well over 5 months since signing up for the promotion. 

I recently contacted their help center for the above issue and after being shuffled around to three different reps, I had one who helped me open a case. 

That case number is : XXXX. 

I was told that I could expect a call and a letter by today, and I have heard nothing from Citi. It appears that Citi does not honor the terms of promotions.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: AL
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 tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX  for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: DriveTime
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:
On XX/XX/XXXX an inquiry was made through DT Credit for a car loan under my name which was false. I have not owned a drivers license since XXXX. I called the number on my credit report and they in fact confirmed that this was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: SIMM Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a collection letter from a collection company demanding payment of {$39000.00} in conjunction with an alleged student loan that is not and was not mine. The date of origination of this alleged loan is XX/XX/XXXX, and the alleged date of default is XX/XX/XXXX. This is perhaps the tenth collections company over the past six or more years that has contacted me about this and each time I have advised that this is not my debt. Each company goes on to sell the alleged debt to another company. I'm tired of this. This most recent company threatens to report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: PARSON BISHOP SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called Approximately at XXXX CST and politely asked said Hello is this XXXX XXXX then I began to ask what company she was with. She refused to answer until finally she stated she worked with Parson-Bishop. I then proceeded to ask what this was in regards to and she responded with This is not a sales call and then I proceeded to ask what she was wanting and she then stated When you want to stop acting XXXX give me a call back and then proceeded to hang up the phone.

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 2020-02-10
Company: EQUIFAX, INC.
State: AR
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a deposit transfer on XX/XX/XXXX of {$250.00}. The transfer request says " we withdrew funds on XX/XX/XXXX and Ally did take this money from my other, non Ally savings account. Ally then closed my account, and refused my paycheck that I had set up for direct deposit. In late XXXX, XXXX a customer service rep said that this should not happen and that I would receive my paycheck. 

Now, on XX/XX/XXXX, I found the account was closed and I can't access my paycheck. I spoke with XXXX, and after multiple five minute gaps, she responded and basically said " we closed your account. '' No new info, and didn't seem to have read the chat with XXXX. She escalated to XXXX, who also wasn't able to help, but did assure me that I would NOT be receiving the {$200.00} account opening bonus -- but would I like her to submit a request to reopen my account ( which would take XXXX days and I wouldn't have my paycheck... ) At minimum, I think the transfer request of {$250.00} should have been blocked or not processed if the account will be closed. Thankfully I have other cash available, but for some people this could be a really big issue -- no paycheck and Ally even took additional money out of my savings. It would be different if the money was never withdrawn from my other account -- a little bit, but to close an account with a pending deposit ( and an upcoming paycheck deposit that XXXX acknowledged ) feels wrong.

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 2023-05-12
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened this bank account with KeyBank in XX/XX/XXXX. I opened it with a reward code XXXX where I should get {$200.00} if make a direct deposit of {$500.00} within 60 days. I made a sufficient direct deposit almost immediately, but never received the account bonus promotion. These things sometimes take awhile to get paid out, and i had a baby around that time so I kind of forgot about it. I finally got around to call them the past week and had a whirlwind of reasons given why i never received it. I first talked to a customer service rep ( CSR ) who told me at first I did not receive the bonus because the promotion was not attached the account. I told them it was and gave the code that was used. She then told me it was because I had an account previously with him from like 5 years ago. I told her that the terms state I must not have had an account open within the XXXX previous months of the new account opening. She agreed but then said it was because my last account was closed on XX/XX/XXXX, and the new account ( with the bonus i'm trying to receive ) was opened on XX/XX/XXXX. I told her this is wrong because i closed that previous account on XX/XX/XXXX. I then asked to transfer to a supervisor. 

The supervisor told me that I did not get this because i opened the account within the 12 month period ( as detailed above ). I was adamant to him that I closed the previous account on XX/XX/XXXX ( I keep good records on this ). He then did some research and found out that I had a conversation with a KeyBank rep in XX/XX/XXXX and there was a close account request submitted at that time, but he was not sure what happened. So he agreed to submit a exception request for me. 

The ops person called me within a couple days about this exception request. After doing some research, he said I did not get the bonus because of my previous account was not closed until XX/XX/XXXX and because the direct deposit i received was likely not payroll ( reasoning was it said 'quickbooks ' ). I told him about my previous conversation with the supervisor on the account closure date, and then told him that i could show proof that the direct deposit was in fact payroll and my company uses quickbooks. He demurred and said he would call me back later after doing more research. I got a call the next day saying the reason I did not receive the bonus was because the code was not attached to my account at opening. I told that was wrong as it certainly was, I have the code used, and even on new promotions, the code is automatically attached. I'm fairly certain KeyBank was just thinking of all possible reasons to deny me my bonus. I hung up and told him I would file a CFPB complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-09-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX XXXXXXXXThe company has the following address on file with the following reporting agencies : The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Experian address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.

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 2020-02-10
Company: Experian Information Solutions 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:
Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good evening. I was doing my research on credit reporting agencies and I came across my report from Clarity Services part of Experian. I did not find a way to submit a dispute from their online service official website. 

All accounts and information highlighted in yellow are is directly link to Identity Theft for which I have a FTC and Police Report for. Attached please find my report and highlighted information that needs to be removed from my report. 

I found name discrepancies, wrong phone numbers, wrong address, wrong email, wrong work history report and accounts that do not belong to me. 

Please remove immediately. 

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 explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: VA
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:
WHAT THE XXXX IS WRONG WITH YOU PEOPLE????? YOU SENT ANOTHER USELESS CHECK RECEIPT ( SEE ATTACHED ) VIA XXXX DELIVERED TO MY FRONT DOOR ( AND LEFT IN THE POURING RAIN ) BUT NO VALID CHECK!!!!! AND IT WASN'T EVEN FOR THE RIGHT AMOUNT!!!! IT'S {$15.00} SHORT!!!! DO I REALLY HAVE TO SUE YOU TO BE MADE WHOLE BECAUSE YOU ALL ARE SO COMPLETELY INCOMPETENT???? TO BE MADE WHOLE YOU ALSO OWE ME THE {$15.00} XXXX XXXX DEDUCTED BECAUSE YOU ILLEGALLY STOPPED PAYMENT ON A CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR ( SEE PREVIOUS ATTACHMENTS PROVING XXXX XXXX TOOK MY {$15.00} )!!!! IF I HAVE TO SUE FOR {$50.00}, I'LL ALSO BE SUING FOR THE COST TO FILE THE LAWSUIT, THE COST TO SERVE CHASE, THE COST OF MY TIME OFF FROM WORK. WHAT DO YOU THINK MY CHANCES ARE IN COURT???? PROBABLY PRETTY GOOD SINCE I'VE GOT ALL THE PROOF THAT YOU STOLE MY MONEY TWICE AND NEVER SAID I HAD TO CALL TO CONFIRM I'D RECEIVED THE ONLY CHECK YOU SENT OR YOU'D STOP PAYMENT ON IT!!!!! THIS IS ILLEGAL AND COMPLETELY UNACCEPTABLE!!!! STOP SENDING USELESS PIECES OF PAPER VIA XXXX AND SEND ME AN ACTUAL XXXX CHECK FOR {$50.00}!!!!! WHAT DID YOU DO WITH OTHER NON-CHECKS YOU DIDN'T SEND ME????? DID YOU STOP PAYMENT ON THOSE TOO WHEN I DIDN'T CALL TO CONFIRM I NEVER GOT A CHECK YOU CLAIM YOU SENT???? COMPLETELY INCOMPETENT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: ERC
State: AZ
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:
XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX  collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my credit card accout without notice. 

I submitted a CFPB complaint and they responded stating it was due to 3 failed external transfers and no minimum payment done.

Response was well written and executed, but Wells Fargo forgot to mention that I went in to a branch personally to SATISFY the months payment in cash since I knew the external transfers where going to bounce since they had been done in error. 

They also forgot to mention that I called Wells Fargo customer service number explaining this and the representative REMOVED the FREEZE from the EXTERNAL ACCOUNT they supposedly closed my account for. ( Phone Call Recording Should Confirm This )

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 2021-07-29
Company: Conn's, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a washer online thru Conns website I applied for credit got approved for {$5500.00}. I purchased the washer on XXXX when I was completing the application I was approved for interest free payments for 12 months and {$100.00} off my purchase. After completing my first application I didnt get my {$100.00}. I called Conns I spoke with Agent XXXX XXXX and she gave me {$150.00} off the purchase and the ensured when I signed my contract it will give me an opportunity to choose interest free. I reviewed the contract didnt have the opportunity for interest free. I Emailed the company got no response so I figured it would be the same as my XXXX XXXX account the interest would not be added as long as I made 12 equal payments of {$82.00}. I received my paper work mid XXXX showing I would be charged more interest then the total cost of the washer {$970.00}. I called Conns I was told by an Agent because I did not spend my total amount I was approved for I was not entitled to interest free. Not at anytime before I signed the contract was that explained they cant tell you after you sign the contract you have to spend all you are approved for.I then spoke with XXXX and the agent insured the contract would be fixed to get interest free. I am on my 3rd payment and I heard nothing from Conns on fixing the loan to reflect interest free. I borrow {$970.00} I will only pay 12 payments of {$82.00} and I will pay no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I tried to send a payment for XXXX $ to someone. The payment didnt go through at first. An error popped up and said to try again. I tried again 3 more times. Each time the error message came up and said the payment could not be processed. I then called zelle customer services see what the problem was and they said that it must be the receivers bank. So I decided to send the money another way and decided to delete my Zelle account because this isnt the first time Ive had a problem. After deleting my account I then called my bank ( XX/XX/XXXX and XX/XX/XXXX ) to double check that the attempts wouldnt be completed. Now today, XX/XX/2021, I check my account and the 4 XXXX $ payments have been processed and completed. I order to rectify the situation I then contact zelle to which they claim they cant help me because I deleted my account. I asked them to replay the recording from XX/XX/XXXX where I asked them to make sure they didnt go through and they said theyre non existent. I dont know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief