BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is a follow-up/new complaint against the CRA, Equifax. 

Over the past few months, possibly years, I have attempted to access my Equifax Consumer Report by using their website, " myequifax.com '' and third party sources ( e.g., XXXX XXXX ). I have made several calls to Equifax customer service regarding this matter, with no resolution. I have also petitioned this government agency, CFPB to investigate in order to help determine why my report is inaccessible to me on an ongoing basis. 

My attempts today, XX/XX/2020 by using Equifax 's " myequifax '' website and contacting their service yielded no results that would allow me to view my credit report online. My online Equifax report complete omits any information tied to my history of being in the credit bureau 's file. In most cases, there are all zeroes ( see attached ). 

The Fair Credit Reporting Act states that credit bureaus must provide accurate information. I also have a right to view my file like other consumers whether online or paper. By refusing me this right, as outlined in the FCRA, Equifax has placed me at a great disadvantage ; I am unable to determine if the information that is being reported is accurate. Therefore, the ability to file a dispute as outlined in the Act [ 15 U.S.C. 1681i ]  is removed from me and I can not launch legitimate disputes because I can not see my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a debt validation letter from XXXX XXXXXXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.

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 2021-09-21
Company: AES/PHEAA
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: DC
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please TELECOM SELF-REPORTED XXXX, TELECOM SELF-REPORTED 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 2018-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
In order to pay the rent as usual I wrote a check for the landlord, but this time I had to do it more than a week in advance because of a vacation leave. Since I did not have enough fundings at that moment in my account I wrote the check putting a date of the future, the date on the check was XX/XX/XXXX ; since the first day of every month is when I usually pay the rent. I told the personnel of the main office in charge of the renting not to cash the check before that date put on it, but they forgot, they are several people there and they are in charge of many apartments. They tried to deposit the check on XX/XX/XXXX ; and there were not enough fundings yet, the Wells Fargo charged me with {$35.00} because the lack of fundings. 

I think that the bank before trying to cash the check they have to verify that the date is a valid one, a current one or a date in the past. It is very common that in the case of inconsistencies they do not want to cash the checks, like in the case when the quantity in letters is a mismatch from the quantity in numbers, or in the case of a misspelling in the name of the beneficiary, or when it is a problem with the signature, or if the check has not been properly endorsed, etc. 

Also in the case of old checks, six months or older, it is common to have issues from the banks when a person is trying to cash those. Then, likewise the bank should not be cashing checks with dates set on the future. 

So, I do not agree with Wells Fargo charging me {$35.00} dollars arguing that my account did not have enough fundings when the check was tried to be cashed before the date given on it.

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 2018-08-22
Company: Federal Adjustment Bureau, Inc.
State: OH
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:
Dont recognize, have not applied for anything in 3 years. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have submitted disputes however when I attempt to review the disputes, I receive a message advising that I am not able to review my credit profile.

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 2018-08-22
Company: RentDebt Automated Collections, LLC
State: OH
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:
Hi, I cosigned for my brother to live at XXXX XXXXXXXX XXXX in XX/XX/XXXX. He had made all payments for his rents, and when it was time to move out, he made the final payment requested. We talked with XXXX at the apartment office and she told us our {$200.00} caution will be used in case my brother got charged for leaving before the end of the month.She even recommended that my brother rent from one their sister apartments in Indiana where he was moving because he had been in her own words a " good tenant '' My brother moved out of XXXX XXXX on XX/XX/XXXX. To my shock and horror, in XX/XX/XXXX, I got a collections on my credit from a debt collector called rent debt, stating my brother was owing {$270.00} when he moved out. We had received no letter informing us of the debt nor had we received any request for payment from XXXX XXXX. None of our calls to XXXX XXXX have been returned for clarification. The creditor on my report is showing up as XXXX XXXX, a company I have never done business with. It was only after requesting a debt verification from rent debt collections that I realized the company involved was XXXX XXXXXX/XX/XXXX.The worst part is this false collections reporting has dropped my otherwise stellar credit score by over 90 points.All attempts at disputing the debt with rent debt have been futile. They claim the collections can only be taken off my credit report if XXXX XXXX confirms with them the account is not delinquent. I will like for XXXX XXXX to accurately report my account status to rent debt or at least request the alleged debt from me and give me a chance to pay it before taking such a drastic and punitive step of destroying my credit, and therefore my livelihood. I do not think it is common practice in the industry to send account to collections within a month of being owed and without requesting payment from the consumer first. How can i pay a debt i do not even know i owe? I will really appreciate your intervention, to help with the quick resolution of this matter with XXXX XXXX XXXXXX/XX/XXXX and rent debt automated LLC. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: ID Analytics, Inc.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Screening Reports Inc.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-16
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Friday, XX/XX/2018, I logged into my Western Union account to send money to an individual I had sent money to in the past. I put in all the required information and checked the card information twice. I tried unsuccessfully 4 times to send the money as I kept getting an error message via the website. I then called my financial institution to see if there was an issue with my card and was told no, that funds were available that they could see the transactions put they were coming through as {$0.00}. I then tried again with my financial institution on the phone and the transaction was still declined via Western Union. I then called Western Union to see what the issue was. I was told that even though I had sent money to this person before using the same card, that Western Union had put a block on my card. I wasn't given a reason or anything. And then the representative said I could call someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a Western Union Money Order for {$490.00} and deposited it at XXXX XXXX XXXX. A couple days later on the XX/XX/XXXX, I received an email from XXXX XXXX saying, " Refer to Maker ''. So a week or so after I received this email, I sent Western Union everything including the receipt of the money order, along with the 'Refer to Maker ' letter so that I would not incur a fee as stated by the Western Union rep. Months and months go by as I can eagerly awaiting the arrival of my letter from western union so that I can take it to XXXX XXXX. No letter for two months!! Finally after non-stop calling day after day, they finally act useful and send it via email. I take this pdf letter to show a XXXX XXXX banker and they say, " there is nothing we can do ''. So now I'm back on the phone with Western Union and they say, " oh we'll send a source of receipt ( SOR ) so that XXXX XXXX has to give you the money back ''. I take the SOR letter to XXXX XXXX and AGAIN same line .... " sorry we can't do anything.. Western Union has the money. Take it up with them ''. For the past 3 months Western Union have been very unresponsive and unhelpful!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: DC
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/XXXX I contacted Home Depot/Citi card and advised them of fraudulent charges totaling {$390.00} on my account the days leading up to XXXX. I was held to be liable for the purchases. In XX/XX/XXXX I  disputed these charges, provided evidence of my whereabouts at the time of the fraudulent purchases ( work etc ) and requested they review the purchases ( signature used and in-store camera footage ). XX/XX/XXXX I received a letter from Citibank stating the charges still stand and I was provided a copy of the receipts? This is useless, the receipts do not prove anything other than SOMEONE made purchases. That someone was not myself and my credit file is being affected.

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 2020-02-07
Company: BB&T CORPORATION
State: WV
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/2019 I was present during the opening of a business checking account at BBT. The account manager talked to us about their new credit cards and asked if we would like to get a credit card along with the new checking account for our business. We told her we would consider it late but then days later I noticed not one, but two credit pulls on XX/XX/2019 and XX/XX/2019 by BBT. I called and asked them to remove the inquiries as we did not apply for any credit cards. They told me they were removed, but on review of my credit report the inquiries still remain.

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 2018-06-19
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never had an account with XXXX. I attempted to reach out to Debt Recovery Solutions and which I asked for them to verify the account. They sent a bill and at that time I called and explained to them at that time I had another provider and there was no need for me to have them. I have continuously disputed this account because it does not belong to me. There was no identification shown or nothing to verify on legal paper I authorized this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited three ( 3 ) checks at the Bank of America ATM. Because the teller told me that the lines were too long inside, so I had to go use the ATM. So, I used my ATM card and tried to deposit the checks. The ATM " ate '' my checks and then just shut down. No receipt, no confirmation, no nothing. I immediately called the number on the ATM machine. The service agent who assisted me seemed to be understanding and helpful. She said that she would credit me the amount of the checks immediately while the worked on getting the checks from the ATM. Imagine my surprise when 2 months later, I get a notice from BofA saying basically, " Too bad, you lied about the checks, we couldn't find anything to support your claim, so we're taking the credit back from you. '' And so they took back my money!!! 

This is poor banking, to say nothing of customer service. Bank of America needs to take responsibility of its ATM machines and technicians. Especially if they don't want to help the customers inside the branches and are making customers go and use the ATM 's.

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 2021-09-21
Company: FinCo Services Inc DBA Current
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There were multiple charges I didn't authorize or make that were made minutes apart for same amount however the merchant name would slightly change on each transaction. I tried to serch and ask for information about the merchant yet couldn't find anything or never received any details from dispute team at my bank! I was just told dispute was finished and no credit would be issued due to no error found which it only took a week for their investigation which I found to be odd " normally it takes at least 10 days or longer, '' 7 days is a very fast and quick investigation which explains why I didn't get any details about it or information to be able to contact the merchant myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score.  please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls from XXXX but no one says anything when I answer. They just sit there and then hang up. It 's getting annoying especially when its ' multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: VALLEY NATIONAL BANCORP
State: NJ
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 went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, Valley National Bank ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, Valley National Bank ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX  for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Social Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Sofi is not following truth in lending guidelines unfair lending practices I applied to Sofi for a loan and they denied me my own credit with a adverse action letter in which I know I am the original creditor and you cant be denied your own money this is my own money I am receiving from Sofi also Sofi has discriminating against consumer XXXX XXXX

Company response to consumer: Closed with explanation