BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions.

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed several items on my credit report. I sent an initial correspondence disputing several items. I received a response from the credit bureau stating that they verified some of the items I had disputed. I replied with another correspondence requesting the specific method of verification. The credit bureau  ( EXPERIAN ) re plied to my correspondence stating that my letter was not legible. I 'm not sure how that could be when the letter was typewritten just like my previous correspondences. I would like to know what certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor?   My name and reputation are at stake and this reporting has caused great financial distress. I need the bureau to provide the above information, so I can conduct my own   investigation and verification process with the alleged creditors.
Below are the items I disputed and requested the above referenced information for, so that I may c  onduct my own investigation.     1.   XXXX   XXXX   XXXX  , truncated account #  XXXX  on credit report, reported balance {$1000.00}  2.    XXXX   XXXX   XXXX  , reported balance {$9400.00}, partial account number (  XXXX  )  3.   XXXX , truncated account number  XXXX , reported balance {$2200.00}.   4.  XXXX , truncated account number  XXXX , reported balance {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: TekCollect Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls began XXXX at my company. Calls come through the receptionist. The caller identified himself as XXXX XXXX he was with the Company TekCollect. My employee explained we were not available to take the call, so he began to ask my receptionist numerous questions concerning our business, my husband & myself the owners. As the calls continues throughout the month, they became more and more rude and completely ridiculous. We were out of the country for 3 weeks on vacation and was checking in with our managers daily. Apparently, XXXX XXXX thought my employees were lying that we were away from the office. XXXX XXXX asked my employee " How it feels to work for a company that can't pay their bills. '' He also proceeded telling her all my personal information concerning this matter with all the case information and even the amount trying to be collected. Which is not her or anyone 's business to know. We are seeking legal advice with this debt issue. Have told XXXX XXXX to stop calling. We have received anywhere between 3 to 4 calls a day. Never being told the call was recorded. We are attaching a call record showing calls received within a month and a half from the number XXXX there was an anonymous number that does not show up and can't track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE XXXX ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Prosper Marketplace, Inc.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a   XXXX   XXXX   in   XXXX   XXXX   to   XXXX   XXXX  . Today (  XX/XX/XXXX  ) they sent out a generic email stating there was an account update and to log in to see it. Upon login, a small window opened saying that they had made an unspecified error in calculating returns and that our account should now show correct information. When I closed the window there was no way to view the message again and no further explanation to be found anywhere on the site.      Prosper  does not provide return calculations on their statements, so I have no way to show what the provided return was at any given point in time. However, I texted my father on  XX/XX/XXXX  that my return was 16.81 % as provided by  Prosper. Upon logging in today, my return is shown as 9.42 % Prosper has been routi nely, and I suspect knowingly, overstating returns for years. At no point since I first invested in the platform in   XXXX   has my return been stated at or below 9.42 %, whereas  Prosper 's   restated returns show many years with a return under that amount. I follow the peer to peer investor community forums and I am not the only person experiencing this today, virtually everybody is reported returns restated to lower values.     Finally, becaus e Prosper has r ecently removed the ability to sell notes on a secondary market, there is no way to liquidate my investments with them. I simply have to accept my new, lower returns and slowly pull money from the platform as time goes by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
These XXXX  have hung up on me several times, got into verbal disputes from provoking me and they canceled 2 of my debit cards from 2 checking accounts unauthorized and without my consent. I did not request this at all. I have called them several times on XX/XX/20 and XX/XX/20 to rectify this and once again I have been bounced around, talked down to, disrespected etc. They are refusing to unlock two debit cards from my 2 personal Checking Accounts and so I got XXXX off and requested to cancel personal checking acct ending in XXXX. Also there is a business savings acct that I requested to be canceled a week ago which still hasn't been done. This one is a Business market Rate Savings. I am going to keep personal checkings acct ending in XXXX open as well as business accts ending in XXXX and XXXX. They are refusing to close personal checkings ending in XXXX which I don't understand. I transferred XXXX dollars and change so now theres a XXXX balance in XXXX. They people have also implemented a new rule, without consulting with customers that instead of debit transactions, you now have to maintain a {$500.00} balance in each account open or have {$500.00} in direct deposit to avoid monthly fee which is a direct violation on banking law rights as well as civil and legal, in addition unethical. Wells Fargo has a poor history with XXXX Americans and continue to disrespect and violate their rights. I now have no debit card for acct ending in XXXX and they refuse to issue me another which is illegal. I called several times between XX/XX/20 and XX/XX/20 and still no resolve and spoke to several higher ups and managers. The best that was done is setting me up with an in person visit to bank on Friday XX/XX/20 at XXXX XXXX  with no promise that a new debit card ( s ) will be issued to me! 


Issue Me another debit card to replace the one they illegally cancelled on XX/XX/20 with my consent or authorization, cancel the two accounts I requested, leaving on the 2 Business accts and personal checking 's ending in XXXX Open. also, I would like to join a class action lawsuit against them for their horrible and unethical practices. I will sue for as much money as the law allows. I also got a call from a Wells Fargo rep twice which sounded like a scam call on XX/XX/20 saying that my cards would be cancelled and I said ma'am, I  don't know who you are, but do not cancel any of my cards which she went ahead and did anyway speaking of Misuse and I'm like, Misuse of what and she wouldn't answer any of my questions and I had to keep repeating myself.

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 2023-11-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Money Market account on XX/XX/20 with XXXX XXXX XXXX and was to recieve 5.5 % ( 5.64 % APY ) for 6 month. Went to check on the account using the mobile app or Huntington and was told they couldn't " merge '' it with my current on-lineaccount beause I used a middle inital and XXXX told me he would closed this and reopen a new on so I could see them both via the mobile app. He said he was going to make sure the new account got the promo code applied. I check after the 3 days and was told it didn't get applied. Someone else said they would handle it and again, I called 5 day later and nothing was done. I'm only earning .004 % on my $ XXXX which is incorrect. Each time I call, I am told " deposit XXXX XXXX XXXX needs to resolve it. I've called about XXXX 's now, Everyone tells me it'll be resolved in 3 days but it's not, I can't speak to anyone in that department and all I'm being told is " someone is looking into it ''. VERY poor example of customer service and I'm not confident anyone will correct this. I've already lost {$90.00} in interest. I'm ready to close the account but know they won't retro pay me so I'm trying to resolve using any methods necessary!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023 I purchased a Vanilla prepaid card in the amount of {XXXX} and {XXXX} for the card to use online while my bank was sending me a new debit card. I was going to use the card for groceries and other items online. When I got home I opened the untampered package to find that the card had been made unusable by scratches on the card number and the XXXX XXXX on back. I immediately called the company and after the hassle of trying to reach customer service they informed me that they would have an investigation into the matter and that I needed to provide photos of all the evidence I had and my ID which I did. I asked how long this would take to which they answered 30 days. It was the only money I had until I received my social security check. They don't care about that and just told me to get the evidence and ID photos to them quickly. When I emailed the photo evidence to them I did not receive any communication back from these ripoffs. And yes I was angry. I emailed them about my case a number of times to which I received no communication. It's getting close to a month now and am still out the money I used to buy and load the the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion has stated that the account was verified as accurate, which is not true! 

XXXX XXXX  XXXX XXXX On Monday, XX/XX/2023, the company of the above account, sent an email to my complaint and stated that they reported to the credit bureaus on XX/XX/2023, to delete the account due to fraud ( EMAIL ATTACHED ). HOW CAN THE ACCOUNT BE VERIFIED WITH Transunion, IF THE FURNISHER HAS STATED IT WAS DELETED?! YOUR CONSUMER REPORTING AGENCY HAS BEEN KNOWINGLY REPORTING INACCURATE INFORMATION FOR OVER TWO DESPITE MY REQUEST FOR DELETION AND HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE & NON-COMPLIANCE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Hello, This email is a follow up of my complaint # XXXX. As per your correspondence, I did receive a letter from Barclays XXXX credit card giving me a statement credit of {$100.00} that I should have received back in XXXX, XXXX. Because it took 6 plus months to give me a statement credit that was rightfully mine, a balance was outstanding on their credit card for the entire 6 plus months. But more upsetting is that, because of their lack of giving me the statement credit back in XXXX, and because since then their were " unpaid balances '', my credit rating went from XXXX to XXXX! In looking at the credit report, I now have a " late payment '' listed. I called Barclays XXXX on XX/XX/XXXX, When I called Barclay, they told me they were " looking to collect a debt ''. After going back and forth with them, they then credited me the statement credit against the payment, which then became a XXXX balance. 

So now after 7 phone calls since last fall, it took a complaint from the CFPB to finally issue the statement credit. However, now I am left with a tarnished credit report. 
XXXX needs to correct this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: JPMORGAN CHASE & CO.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Problem with chase bank and XXXX XXXX. I have clear title on my property. XXXX XXXX   claimed they did a foreclosure on XX/XX/XXXX. It was done by XXXX XXXX XXXX. I do not have an account with XXXX XXXX. This start in XX/XX/XXXX with Chase calling me telling me that they were the servicing company. It turns out they were not they were just collecting money from. As I looked into this XXXX XXXX kept appear on the documents.the name on the documents. When I did check  they had nothing to do with me either. XXXX XXXX took me court using the law firm of XXXX XXXX. They first start this action as work for CHASE but the documents said XXXX XXXX on them. XXXX XXXX  XXXX started with CHASE but when they filed the fake foreclosure paper under XXXX XXXX. They just switched without giving me any notice of the change. XXXX XXXX XXXX was to be trustee in this matter in there documents. Contacted them they said they never received any documents in this matter. They stayed they no interest in the property. I check my title I have no liens. But the attorneys for XXXX XXXX  claim they did a foreclosure. They had fake conveyance feed from XXXX XXXX XXXX. Which stated that they have no interest in the property. The created them selves. The never did a foreclosure, but went post foreclosure. Went to court on this matter showed judge title of ownership he ignored it and there attorney show no proof of anything, but the judge have a writ of ejectment. Which says they have to show proof of ownership first. They never showed anything. About 20 sheriffs came kick me and my child out of the house took every thing I own and my business. Now I am XXXX   for last 3 months. Now they are trying to sell my property again ( XX/XX/XXXX ). I need help with this matter. They texted me court date to find when where. They could not find. It just says XX/XX/XXXX at XXXX. But no case is outstanding. They have been trying to change documents to read Chase and do another fake sale. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, 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 2023-11-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Well on XX/XX/XXXX I applied for my credits and they denied me and from denying me access to my credits is discrimination

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 2023-04-16
Company: PNC Bank N.A.
State: NJ
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 received a phone call from a woman I didn't know on a number I didn't recognize. She said she was with PNC and my credit card had been compromised. She said that if I verified my address she would send me a new card. I thought it was a scam. It sounded exactly like a scam. I told the woman I would call the bank in the morning. 

Turns out it wasn't a scam. It is difficult to imagine why an organization that is susceptible to phishing attacks would think it appropriate to make a telephone call like this. They should have simply said " don't be alarmed but we had to change the number of your credit card account. You'll receive a new card soon ... '' I appreciate that the bank is doing everything it can to prevent fraud but I'm sure everyone will agree that their telephone call was inappropriate and less than professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX XXXX XXXX it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 2023-09-29
Company: SUNCOAST CREDIT UNION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation