BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: NC
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 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My complaint is regarding my application for personal line of credit on XX/XX/XXXX with  Wells Fargo Bank. I went to the local bank and after the teller imputed my info in the on-line application, I was denied automatically on the spot for a line of credit of {$100000.00}. 

On XX/XX/XXXX I received a letter from the bank stating I was denied and listed the reasons. Please see attached letters. 

One of the reasons was that I had high debt to income ratio, when in fact I have no debt as confirmed by XXXX credit report which the bank said had used for this application. Other reason was bankrupcty and foreclosure which occurred almost 2 years ago. 

I called the bank and told them to look at the credit report and to see that I have no debts, but they said they do n't have the credit report to verify this information. They were n't able to respond how I was denied based on debt ratio when they do n't have a credit report. 

I responded with a letter ( attached ) stating I have no debt, and asking the bank to provide me with written documents backing up their assumption I have debt, calculations used for debt/income ratio, and bank policy on timeline and refusal of credit after bkcy and foreclosure. I included with the letter a copy of my XXXX credit report, XXXX 's for last two years and paychecks showing my income and ability to pay back a credit line. 

Wells Fargo sent me a letter on XX/XX/XXXX only repeating the reasons but not providing any detailed information as I requested, nor explanation for error refusal based on assumed debt.

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 2017-12-05
Company: AES/PHEAA
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: Account information incorrect

Complaint:
This is a student loan dating back to XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with American Education Services and Pennsylvania Higher Education Assistance Agency to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XXXX, XXXX andXX/XX/XXXX. In XXXX XXXX I was able to reach a manager with American Education Services who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was advised, without any prior warning, that one of my longest open lines of credit was being closed. I was advised by Citibank that the account had not been used recently and they had the right to close it. As a result, my credit score took a significant hit, as they both increased by debt to credit ratio AND reduced the average age of open accounts. When contacted they REQUIRED me to reapply for the credit line, which they then declined- causing another inquiry on my credit score. Citibank is attempting to cause me financial harm when I have never missed a payment on any other credit line I have with them.

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 2019-02-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I met all requirements of depositing XXXX into a checking account and 1 ) leaving it for 2 months and 2 ) keeping the checking account for 90 days to receive promotional reward of {$600.00}.

I have not received the reward and its way passed the due date. I have reported this to citi and they keep saying they will work on it and its now been over the timeline of them promising a resolution.

Checking the internet it seems citi is known to not pay their promotion rewards. Please see attachment for objective evidence. Please assist

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 2019-11-19
Company: Pendrick Capital Partners Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/XXXX I WENT TO THE EMERGENCY ROOM AT XXXX XXXX XXXX AND WAS BILL {$750.00} FOR VISIT ACCOUNT WAS SENT TO COLLECTIONS. XXXX XXXX XXXX WAS PAID FOR THE SERVICES BY MY INSURANCE COMPANY XXXX  XXXX  XXXX  ON XX/XX/XXXX. NOW COLLECTION AGENCY PENDRICK CAPITAL PARTNERS II LLC AND XXXX XXXX XXXX IS TRYING TO COLLECT ON A PAID DEBT THEY ALSO REPORTED DEBT TO ALL 3 CREDIT BUREAUS. I HAVE CONTACTED THE COLLECTION AGENCIES WITH THE PROOF DEBT WAS PAID AND THEY REFUSE TO REMOVE THE FALSE CREDIT REPORTING FROM CREDIT REPORT I HAVE TRIED REACHING OUT TO THE THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After I've made the total balance due amount of {$4200.00} to the creditor, Grant & Weber is still posting {$1800.00} as an collection charge on my XXXX credit report and deny my dispute in multiple times.

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 2021-09-07
Company: EQUIFAX, INC.
State: GA
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$710.00} XXXX XXXX {$8100.00}

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 explanation
Consumer complaint received 2018-03-26
Company: U.S. BANCORP
State: MN
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 have a USBank XXXX XXXX XXXX XXXX card. I have had this particular card since XXXX. I have had my USBank account since XXXX. I use this XXXX card for both personal and business expenses and I pay {$49.00}. Recently, XX/XX/XXXX, I noticed XXXX reduced my points by XXXX points. I called them ( XXXX XXXX ) and discussed that the points NEVER expire. I was told I was wrong but the lady would request they give me back the deducted missing points. I waited several weeks but nothing happened. I went to the issuing back, USBank XXXX, MN ( XXXX blocks from my home ) and asked for help. Again, at the beginning of the conversation, it looked positive. The account manager called XXXX and they offered me XXXX points. I told them it was a slap in the face ... that is only +2 % of the XXXX they took from me. The manger called back and asked to speak to a supervisor... she offer XXXX but is was in the form of some kind of gift. I told her I want the points and not a small " gift ''. 

Can you 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 2017-12-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I bought my wife a ring and put it on a credit card with TD Bank was making payment and also put it on auto payment on the website. 

2 months later supposedly I miss a {$15.00} payment Im trying to buy a house for my family and this happens.. TD Bank didnt not want to work with me at all. 

This needs to be off my credit and I already paid off that credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is reporting incorrect, inconsistent info about my loan account. I have requested an investigation and upon completion, the information continues to be reported incorrect.

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 2021-09-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Affidavit of Truth Notice to Navy Federal XXXX, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most High of creation and I depose the following facts, so be it, now present ; 15 us code 1681 says Subject to ( c ), any consumer reporting agency may furnish a consumer report in in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that ( consumer reporting agency ) is in violation of Truth In Lending I was never informed or presented when the rights to cancel expired. 
No Truth In Lending disclosure forms were presented at the time of the consumer credit transaction. 
No Rescission Process during the consumer credit transaction. 

Fact, Affiant is aware and has proof in attachment labelled Exhibit A that ( NAVY FEDERAL 15 U.S. Code 1605 - Determination of finance charge is in violation of ( Truth in Lending Act1, The TILA was first amended in 1970 to prohibit unsolicited credit cards. CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT ( 3 ) Notice of right to cancel. -- Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
" ( 4 ) Rule of construction. -- Closure or cancellation of an account by the obligor shall not constitute a default under ( B ) the creditor has provided the obligor, prior to the commencement of such arrangement, with clear and conspicuous disclosure of the terms of the arrangement FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, so they are civilly liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Since XXXX of XXXX, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on Transunion and 18 on XXXX. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland has updated a negative tradeline on my credit report for a past debt. They have updated it since I originally disputed this tradeline via XXXX credit reporting. Midland has the right to add a negative tradeline to my credit report, I am not disputing that. However, I am disputing that they keep updating the negative tradeline on my report countless times since XX/XX/. I did submit a dispute XX/XX/ ; however, I did not continue disputing the negative tradeline since then. 

What has now occurred, is my credit number has gone down into the XXXX 's when it was in the XXXX 's. 

I have attached a copy of a portion of my credit report reflecting Midland 's updating the balance ( which is actually never been updated ). They did this balance update in XX/XX/XXXX and XX/XX/ ( attached ). This has been happening to my credit report since XX/XX/. Multiple updates made by Midland to the negative tradeline. Midland is violating my consumer rights and not abiding by the Fair Credit Reporting Act via FTC ( Federal Trade Commission ). They may only list a negative tradeline once on my credit report, and they may update if I dispute, but it does not give them the right to update the negative tradeline several times a month since XXXX XXXX They are in violation. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear Sirs : I am XXXX XXXX XXXX. I am trying to pay my Walmart credit card bill from 2013 and I called and was transferred to 10 different numbers. No one could find this account but it is in my credit and is preventing me from buying a house. I can't understand this?!?! If they can not find it then how am I supposed to pay it? This is ridiculous. Please help me. Either they have it and I can pay it or they don't and I don't owe it. Please contact me or them and let me know what I can do.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl 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 2018-03-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Total Checking Account on XX/XX/XXXX in branch. The deposit agreement I was provided gave me the right to opt out of the mandatory arbitration clause within 60 days of account opening. This agreement stated that I could opt out either with a personal bank or by calling the standard XXXX number to reach Chase.

I asked the personal banker at the time of account opening if I could opt out, referencing the relevant clause. The personal banker indicated that she did not know how to opt customers out of arbitration and had never heard of it. She wrote down the number provided in the agreement on a stick note and encouraged me to call them to ask to be opted out.

I asked Chase to opt out of the mandatory arbitration agreement in a secure message on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that my request had been forwarded to research and that I would receive a response in 5 business days. I have not received a response.

I recently called the number provided in the deposit agreement and asked to opt out of mandatory arbitration. The first-level customer service representative escalated me to a supervisor, who said she'd never heard of this and would refer the matter to research.

I have not received any response.

Company response to consumer: Closed with explanation