BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've had an XXXX Credit Card since XXXX. XXXX 's administered the card until XXXX. The new card administrator became Comenity Capital Bank. Soon after Comenity took over, I called to redeem my XXXX points that I had on their takeover. They explained that I couldn't redeem my point for the $ XXXX/XXXX points, and that the only way to redeem them for the full rate was to offset a purchase for XXXX tickets or at XXXX stores. I have to renew my Saints season tickets by Friday, XXXX XX/XX/XXXXXXXX. I called on XXXX XXXX to let them know I was about to purchase my card and inquire about how to optimize my redemption of prior points. The agent at a call center redeem my points during my questioning for $ XXXX/XXXX points, giving me a {$300.00} statement credit. I told her that was not what I wanted. I was not read a disclaimer about the redemption. I asked to talk to a supervisor. I got a nice rep named XXXX. She didn't know how to reverse the redemption, so she asked XXXX of the other supervisors in her center. She told me she would transfer me to a higher level. I got a rep named XXXX XXXX. I explained the whole ordeal. He said he would have to go back and review my conversation with the initial rep and that he would call me by XXXX that night. All this happened on the same call into Comenity. I never got a call back, so I called back XXXX XXXX, asked for a supervior, and got a rep named XXXX. He read the notes on the account that XXXX XXXX entered. XXXX XXXX said everything was done correctly and that he'd tried to return a call to me. I had told XXXX XXXX to call my cell phone, and he did not. XXXX told me I have the credit on my account, and that's all there is to it. I got ripped off over {$300.00}, and I don't like it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello I am writing to file a complaint against Equifax. I sent them my first round of dispute letters on XX/XX/XXXX and had not received a response. On XX/XX/XXXX well after their 30 day deadline I sent out a non response letter. Followed by round 2 letters on XX/XX/XXXX after another 30 days had past and still no verification of the accounts disputed I sent out another round of letters on XX/XX/XXXX. Yes 3 rounds of letters and Equifax continue to violate my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I don't know what option to select to start it literally falls under every category I contacted atty Gen what I have to sift through are apps plausible deniablity when you just need what you paid for and the level of fraud harassment and everything you can't even imagine I just want to have a bit of help so someone can guide me and help. I can't remember her name but I spoke with a mediator and she offered to have me write down the accounts how compromised steps taken to correct what I didn't do it's tedious but to be fair no one here knew how that technology could be used to really do damage to someone who was only trying to heal. I'm really so burnt out by what has happened how long it took me to unequivocally track back and just fix it and move on so my mom can rest her mind ill do the work I just need to know how to do it. XXXX. XXXX XXXX XXXX payday loans. Actually getting a card approved trying to improve your credit score purchase a XXXX $ item this person obtained your information by literally knowing your phone number connected that to a XXXX voice blocked me from myself you don't make a XXXX  with a user id/email that a pertinent account is on. This individual did. Very ugly things were done I just want to file these papers answer them honestly have my life and my moms fixed and given back I just need a little guidance. On the end, everything has a logical explanation that can be verified if that be the case because I don't mind going all the way back to XXXX. In the interest of time these are the topics I justly need help with. And move forward. 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 2021-09-22
Company: EQUIFAX, INC.
State: DC
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my account from XXXX XXXX XXXX in XXXX after being sent to a collection agency without my knowledge. I paid the full amount we agreed on and that document was sent to me in XXXX showing the account was PAID IN FULL by Amcol Systems. Now they have sent this fully paid account to another collection agency with a different amount and name without the original account number. The original location was closed a few months later and no account number shows from my only visit in XXXX. This is illegal and I told the Rep that it has been paid and he still tried to collect money. I am not paying for what was settled. Please stop XXXX XXXX XXXX  and XXXX XXXX from harassing me for an account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: VA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope the disputed account is updated. 
Please validate the listed account : CHILD SPRT XXXX Balance Owed : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX  XXXX XXXX : {$3500.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX : {$140.00} XXXX  XXXX : {$210.00} XXXX  XXXX : {$210.00} XXXX  XXXX : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I sent {$4000.00} to my close friend for back to school shoes and clothes through XXXX  directly from the Wells Fargo app. 5 minutes later he tells me he didnt received the {$4000.00} I just sent. Called Wells Fargo last Thursday the XXXX they open my claim but Ive yet to receive my money back it is now the XXXX. Ive called back several times and they just keep telling me the case is still open and ongoing. This is outrageous I dont have any money for rent Im a struggling college student just trying to get by but cant even depend on my bank for my own money back!

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 2018-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have consistently contested the inaccuracies in the following information with XXXX, XXXX and Transunion, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: VA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
CXXXX 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022 I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. 
I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. 
I have a confirmation code of sending the money which is XXXX. 
Ironically I sent the same money to the same person 6 days earlier and that was delivered. 
There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. 
The money is missing. {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the account on XX/XX/XXXX with the promise of a bonus of {$500.00} if I deposited XXXX dollars within 30 days and left the money in the account for at least 90 days. The XXXX went into my account on XX/XX/XXXX. In XXXX Citi sent me a bunch of wierd papers for me to fill out. Papers that I have never had to fill out for a checking account ever before. I called and asked why and the associate told me it was mistake on their end and that my account was good and I would recieve the bonus. They apologized to me profusely. I was expecteding to see the bonus in early XXXX and when it didn't appear, I called Citi and was told I needed to fill out a XXXX. I sent them a XXXX but they sent back correspondence saying it was altered and they needed another XXXX. They also included a XXXX form which clearly states that if I am a US citizen , do not fill out that form. Still no bonus.I called again and they told me again to send a XXXX. Rather than argue with them I sent another XXXX. I called again on XX/XX/XXXX and was told they would open an investigation and I would get the results in 5 business days. After those days went by, I called again and asked what the results of Case # XXXX were and was told it may take 10 days. It is now been 16 days and the bonus has still not been credited to my account. This bonus should have been in my account months ago and I just keep getting the same run around. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX of 2014 I went to Wells Fargo to apply for an auto loan to which I recieved but only because I also was told I needed to open a credit card account with them in order to be approved for an auto loan. Being a young man wanting my car I thought it was legit being that this information was coming from my bank. Fast forward 4 years and this is not the cause. Causing me multiple headaches in fees and interest over a credit card I never needed to open in the first place. Wells Fargo has ruined my future.

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