BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested a distribution of a voluntary savings plan managed by Wells Fargo Bank - Retirement Services. 

I am not a resident, tax resident, or citizen of the United States of America. 

I am a XXXX tax resident, and a national of XXXX. A copy of my passport was included in my distribution request. The XXXX had my XXXX permanent address, along with my XXXX tax ID. 

In XX/XX/XXXX when the distribution was made, Wells Fargo incorrectly withheld thirty percent of the interest. Wells Fargo called the distribution - a non-resident single sum benefit. 

My instructions ( on both distribution request forms and the XXXX submitted several months earlier ) were to withhold 0 percent in line with the international tax treaty table ( see column 1 ), and advice I had been given by the ( very helpful ) IRS International Team. 
https : //www.irs.govXXXX I do not have a US social security number. I have never paid tax in the US. 

The Wells Fargo distribution and processing teams I spoke to on the telephone advised that the 30 percent Federal Withholding of interest was their internal legal policy for two reasons : 1 ) I have a simulated social security number from my employer, the IMF The simulated social security number is IMF staff number ( XXXX+my staff ID number ) 2 ) It is a lump sum payment For reference, the address on the check attached was a previous and out-of-date address. I lived at that address until XX/XX/XXXX when an employee of the IMF.

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 2018-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, I was contacted by a company that explained they were providing me online technical support for my computer. The company indicated they were going to provide me with {$170.00} credit ; however, they billed me {$750.00}. The company that took my money did not provide me the services they were supposed to and I did not authorize them to bill me {$750.00}. The company was supposed to provide me computer security, technical support, and increase my computer speed. When they billed me {$750.00}, I contacted them and cancelled services immediately on XX/XX/2018 because I did not authorize the {$750.00}. 

I contacted 5/3 to report this incident and they denied my fraud claim because they said it was my fault. 

I took my computer to XX/XX/XXXX to have it examined and XX/XX/XXXX confirmed this company installed 13 different kinds of malware and spyware. I had to pay XX/XX/XXXX {$200.00} to fix the issues that were caused by the company that did not provide me services as described. 

I am very disappointed in 5/3 service because I am an elderly woman and no one took the time to help me. I feel betrayed by the company that lied to me and my own bank. I am reconsidering my relationship with 5/3 because they are not assisting me with my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MN
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 my Experian credit report the balance on my XXXX XXXX  account : XXXX is inaccurate. I dont have a balance of {$140.00} on my XXXX XXXX  account. The current and correct balance on my XXXX XXXX  account is : {$0.00}. My XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and has fraudulent transactions on the account. The following hard inquiry currently listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2023.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significanXXXX 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 2023-05-15
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I made a mobile deposit in the amount of {$4800.00} into my business account. I did not receive a confirmation number so I deposited the check again. 
On XX/XX/2022 I check my account and realized the check was deposited twice. I called the bank ( Trusit ) and ask if they would remove one of the deposits and explained what happened. They removed both deposits so I called Trusit again and I was told I needed to take the check in to the local branch ( Truist ) and deposit it. I did on XXXX XXXX. On XXXX XXXX the check was returned saying it was duplicate presentment. I contact the company who wrote the check and ask if they would write another check and was told they contact their bank and the check was withdrawn once, never returned. The company refused to write another check because Trusit has the money and withholding it from my business account. I have gone to the local branch to resolve the problem and still do not have my money. I called the customer service number and still do not have my money or any reason Trusit is withholding my money. I believe this is FRAUD.

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion, Please see attached - there is wrong and incorrect Personal Information on my credit report that needs to be fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: JPMORGAN CHASE & CO.
State: IA
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 customer service

Complaint:
I submitted an inquiry with Chase for my Marriott credit card. They continue to decline a transaction my gym is attempting to pull. I have a large credit limit and always pay my bill in time. Quite frankly I am disgusted with their customer service. My first inquiry was submitted on XX/XX/XXXX, they acknowledge and then forwarded on to another department informing me I would hear back in 3 business days. They never responded, I had to follow up on XX/XX/XXXX. After my follow up they sent me another email that stated they would respond within three business days. They completely blew off my request and havent addressed anything. I then responded with a request to escalate and requested a response from a supervisor. I also repeated my request to resolve the concern. They then responded and said they were researching and would respond in one business day, they did not. They also never addressed my request to escalate. Then, yeSterday, they sent me an email that said they posted a letter and closed my inquiry. Chase closed it because they didnt have enough information but they NEVER even asked me for additional information. Now, I have to start over with an incompetent customer service. I am highly disappointed in their service, I still have an outstanding issue and will now need to spend an additional god knows how long to resolve the issue meanwhile likely having to incur double charges because of their incompetence. Please escalate or add to their overall concerns of Chases ability to service their customers and resolve anyones concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX has charged me {$280.00} in unjust fees on a {$300.00} credit limit secured credit card. While I have been paying my bill from a employer allotment ( {$200.00} paid to date ), XXXX  hasn't been counting these allotments payments and have only been applying them as credits. As a result {$280.00} in late fees ( interest not included ). I have disputed this but I haven't received anything but more fees after each dispute. I would like to pay off my card and raise my credit limit but not if it's for a credit card that I'm paying and can not use. I would like these fees all credited back with an increase on my limit to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX, I got a small loan from EnerBankUSA through XXXX XXXX to replace a sewer line. In XXXX XXXX, I tried to contact them about increasing my payment but couldn't talk to anyone or do it through the EnerBank website. After a frustrating month, I learned that EnerBank had been bought by Regions Bank. I tried repeatedly to talk to Regions about the EnerBank loan but they didn't even know that Regions bought EnerBank. The most recent conversation on XX/XX/XXXX, I was told that Regions didn't service EnerBank loans. I got a letter from EnerBank saying I owed {$23.00} in addition to the required payment- for what? The customer service number on the letter has been disconnected. Tried to access my EnerBank online account which says they don't recognize my email- the same email they send payment reminders monthly. Federal Reserve told me that Regions bought EnerBank in XXXX. I did not receive a XXXX annual statement from EnerBank or Regions. Where are my auto-payments going? Who is servicing the loan?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today at XXXX XXXX I received a call from Sunrise Credit Services, with regards to an outstanding balance with XXXX XXXX XXXX that I am disputing. However the collector that contacted me only verified my name before releasing information about the debt, and only after releasing said information did he attempt to verify my identity by other than my first and last name.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX  and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

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 2023-07-28
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Please research my credit history. You can see that it was great until XXXX of XXXX. My Mortgage company ( XXXX ) has ruined my credit. Ive argued with them for over 6 months. XXXX management is adamant they are right, and more importantly, I am wrong. I filed a XXXX  claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

XXXX, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from XXXX. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. XXXX puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to XXXX. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A XXXX manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, XXXX still has the money. I didnt get the money until XXXX. XXXX management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a XXXX error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,

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 2021-12-31
Company: Upstart Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I, The NATURAL LIVING MAN and THE ORIGINAL CREDITOR, have extended my open ended consumer credit to Upstart Network , Inc. to have it extended back to THE CONSUMER, myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Upstart Network , Inc. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is a " creditor, yet by law have no right to the extension of living credit to offer the living consumer, myself. The lender in any loan transaction in the United States NEVER lends anything of reasonably equal value to the borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Upstart Network , Inc., by Federal law, is also a debt collector and they collected fraudulent and nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan, therefore this notion of debt can not be validated in truth even in the highest federal court. Understand, when an organization initiates a credit sale in a person 's commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact identity fraud and theft. They have willfully intended to deceive the original creditor, myself, into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I am invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. If they continue to attempt to collect this alleged debt, which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a positively reflected balance debt or charge. They have misled the consumer, myself, when in fact the alleged debt balance shows it has already been accounted for. Upstart Network , Inc. has received my correspondence and supporting documents via U.S. mail on XXXX XXXX, 2021.

Company response to consumer: Closed with explanation