BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently filed a Identity Theft Report with the Federal Trade Commission - Report # XXXX in regards to an XXXX XXXX Account ( {$1300.00} ), which I have pleaded is not my account. I have filed numerous disputes with Equifax since XXXX after finding this account on my credit report. I sent the Identity Theft Report via certified mail to Equifax which was delivered on XXXX. On XXXX I placed a call to get an update the account and was advised that the account was under review, yet again .... and I would get a letter with the results. I asked an account manager, XXXX how the account was being verified and she refused to provide any additional details and refused to provide me any information on my credit file. On XXXX I received a letter from Equifax who again advised the account was updated and found to be accurate. A fraud alert was placed on my account also placed on my account. 

Letters were also sent to XXXX and XXXX who immediately removed the fraudulent XXXX XXXX account and promptly sent updated credit reports to verify this information. 

My concern is, what verification process is Equifax using? They refuse to provide any additional information. They have multiple identification breaches with our identifying information and they refuse to tell you anything. How are XXXX  and XXXX able to remove this account and Equifax refuse with the same information obviously provided to them under the investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, On XX/XX/2022 I visited a bar called XXXX in XXXX XXXX, New Jersey. I ended up losing my Bank of America credit card inside the bar. Someone ended up making {$160.00} purchases on the credit card. I noticed all those fraud charges on my card the next day. I ended up disputed every single XXXX of these fraudelent charges on my credit card. Initially, these charges fell off my card while Bank of America investigated this issue. However, today on XX/XX/2022 I saw that these charges were back on my card and Bank of America sent me a resolution letter. I want to say that these charges are completely false. I don't know what proof the merchant sent to validate these charges, but I know I did not make these charges. After every purchase in that bar, you have to sign a receipt. I'm 100 % willing to do a signature match on every single XXXX of these receipts. It won't match my signature. These charges should not be on my credit card and Bank of America needs to refund me the money.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2018-09-13
Company: PNC Bank N.A.
State: PA
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:
Went to my local pnc office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: WELLS FARGO & COMPANY
State: IN
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:
I have had a Wells Fargo credit card for years. I always make automated payments by providing my checking account routing number and account number. Recently I moved my checking account to a new bank. I need to give my new routing number and account number to Wells Fargo so my account will not become delinquent. I tried providing the information on the website but found it to be impossible. I tried sending an email through the website message system and was told i had to call an XXXX number. I tried the XXXX number and was told they can not take this information over the phone. In other words, Wells Fargo makes it impossible for me to make this payment and just wastes my time with runarounds.

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 2021-10-06
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have an on-going claim with XXXX XXXX XXXX via. Chase Sapphire Reserve for over 2 months now for Purchase Protection ( XX/XX/2021 ). I submitted all proper documentation during the submission of the claim and then was told XXXX XXXX XXXX needs to verify with the merchant that the item was purchased and was not returned. I submitted all credit card statements but still this verification was needed for the claim to proceed. The request was sent by Card Benefit Services/Eclaims Line to the Chase Verification Department on or about XX/XX/2021. I've checked on the claim and status of this form, possibly about 8-12 times during the past two months. I've received no progress or updates on this claim since it was submitted and keep being told that the department is just backed up. Recently, I've been told that the request for the Chase Verification has been sent to an inbox that is corrupt, from the Chase Verification Department since XX/XX/2021, and therefore has not been received by this department. I've asked for a call back from management numerous times and have been kept on hold for as long as 1.5hrs while waiting for one, only for the line to disconnect. Chase Purchase Protection via XXXX is a scam and is meant to work against, rather than in favor the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Rosebud Economic Development Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I have email confirming that {$130.00} taken out on XX/XX/XXXX will close the loan as paid in full however they took out another {$130.00} on XX/XX/XXXX on top of the one on XX/XX/XXXX which caused my account to me overdrawn.

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 2019-05-04
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Both my mother 's and my Paypal funds were put on limitation on XX/XX/19 and we were given no reason why and were told that these funds ( our money ) would be held for 180 days/6 months. Twice, I have spoken on the phone to 2 different Paypal supervisors and got nowhere with either supervisor in getting my mother 's or my money released to us. I advised the supervisors that this is illegal to hold our money. There are laws against Paypal, Inc.doing this - Money Transmission Act, Section 184.1 states that funds can not be held for longer than 10 days. My mother is not only a widow for 15 years, but is also a XXXX senior citizen and living on Social Security, which is her only income. She and I need the money Paypal is holding to help pay our bills. Even though we would never deal with Paypal again - all we are requesting is that Paypal , Inc . release our money that they are holding for six months. I also filed a complaint with the XXXX XXXX XXXX about this. 
Thank you for your anticipated assistance in resolving our problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows

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 2023-03-17
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It is reported that I owe {$430.00} which is an open balance on my credit report. I have never received any communication from the debt collector, nor has this debt been validated. Not sure how this debt can be an open account that is reported monthly. I would like this removed from my consumer report as it has been false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Recent credit report ( paid for by me ) rec 'd from Transunion on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES XXXX are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, 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 2019-09-27
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Nexis Lexis reported to my new insurance company XXXX XXXX that I had two auto accidents on XX/XX/2019, and XX/XX/2019. But I had only one accident on XX/XX/2019. XXXX XXXX passed the buck and gave me the phone number for Lexis Nexis and NO ONE answers the phone, or I am put on hold for hours. After disputing by mail and asking for my report. I am paying more in insurance because of the fraudulent reporting of Nexis Lexis. I also sent XXXX XXXX and Lexis Nexis my  Florida driving record and still was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Aargon Agency, 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: Information belongs to someone else

Complaint:
Hello, I just checked my credit report today and it has a new unknown inquiry that has appeared on my XXXX XXXX report on XX/XX/22 stating that I owe a balance of {$3700.00} to XXXX XXXX  XXXX by way of XXXX XXXX. I spoke with a collection agent from XXXX today and the residence that theyre saying I owe a power bill balance for, I never even lived at, nor do I know anyone in that area. So the agent advised me to contact you and to file a Fraud ID report.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX TransUnion have been dragging this investigation out in regards to XXXX XXXX XXXX COLLECTION ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXX  Complaints XXXX XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law

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 2021-12-19
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity was stolen/compromised and later discovered that my personal information was utilized to rent/lease an apartment/home in my name even after informing of identity theft National Credit System continued to attempt collection and refused to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
As a Chase checking account holder for many years, I am very shocked and and surprised they declined my credit card application on XX/XX/2016. XXXX number for this transaction is XXXX. 

As a practicing attorney for nearly 21 years, I have n't seen the reason for declining the application ; " Too many credit cards opened in the last 2 years. '' Nowhere on their credit application does it state where it will decline one based on their number of open credit cards during the past 2 years. If this was stated beforehand, I would n't have applied for a Chase Slate Card. 

This created a " hard inquiry '' on my credit report and based on Chase Bank not disclosing such information, I am requesting they remove this hard inquiry from my XXXX credit report or to open and grant a credit card account, as I initially requested. 

I hope Chase Bank can resolve this issue immediately by either removing inquiry or opening a chase credit account based on my income, assets and information on my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE took a bill that no longer exists and added it to my credit reports. They did this to deliberately ruin my credit. Because I stopped paying them for my previous accounts which has been cleared from their records. They took an account, that was originally for {$890.00}, Date of service is XX/XX/XXXX, and sent it to the credit bureau 's. This account was originally from XXXX XXXX XXXX XXXX. But they cleared all of my accounts. Now CMRE has also found other accounts and added to me. Which were not connected to me until recently. They were my son 's hospital bills. They date back in XX/XX/XXXX for {$31.00} and XX/XX/XXXX for {$270.00} from XXXX XXXX XXXX XXXX All of a sudden these accounts have been added once XXXX XXXX XXXX XXXX XXXX their accounts. This company is trying to ruin my credit. And is trying to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation