BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MA
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX I contacted Equifax in regards to some hard inquiries that I had no knowledge of. I was bounced around several times ; even having to call back because of a couple disconnected calls, and representatives giving me different answers. By the FOURTH call, I was advised that Equifax is unable to remove my hard inquires and that I need to contact the lenders. I explained ( for the fourth time ) that the lenders kept sending me back to the credit bureaus and it's frustrating getting the run around. I even mentioned that XXXX and XXXX removed these hard inquiries and that Equifax is the only remaining bureau with these incorrect inquiries. I was then advised to send an email to FTC as well as to mail a letter to Equifax Information Services with a cover letter attached to explain what I am explaining now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Wells Fargo claims i missed a payment in XX/XX/2020. They then proceeded to charge me late fees for 3 years because they counted the payments I was making at a month late instead of contacting me about the missed payment. They claimed to have called me, and provided me with a phone record. The phone number listed on the log is the company I am employed at. The team that answers the phone calls is under my supervision. No one at my work received a call looking for me. Not only am I on the company directory where they could have reached me, but the phone rings at my desk when an outside call is made. 
The only conclusion I can come up with is that because they did not ring through to the operator nor did they try contacting me on the phone tree. I was at work for nearly all of the times listed answering the phone at the number provided. If they would have asked if I was available to anyone at the company, I could have been reached. 
They also said that they were not authorized to call my cell phone despite it being listed as my home phone on the loan application ( which I am providing. ) They could not provide me with information telling me how I could have known or authorized the number that I put on my loan application. They provided this as evidence that I was contacted. I can not understand how the number I put on the loan application was not authorized to receive calls about that loan or how I could have been expected to know that it was not authorized. 
They were able to contact me through the postal system to let me know if a payment was short, but did not send me late notifications by mail. Because I was getting notifications when my payments were short, I believed I was caught up when I resolved these payments. 
The can and have contacted me in the mail. I did not receive any postal mail stating I was late in the entire 3 years they were charging me fees. 
Claiming that they did due diligence by trying to contact me only to tell me that they are not authorized to call me at the number on the loan application is not contact nor is it due diligence. Telling me that I was contacted by phone when I was not contacted by phone is a lie. Dialing and not talking to someone is also not contact. Would they do this on a home phone if my daughter picked up? State that they are not authorized to talk instead of asking if I was available so that was contact? 
What makes me most upset is that they have claimed to call when I received no call. I feel completely blind-sided by this and feel like the company has done nothing to lead me to believe that they didn't want this outcome.

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 2019-12-26
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:
I have sent XXXX  and Transunion countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Capital One Quicksilver Credit card on XX/XX/XXXX and was approved. 

Capital One Quicksilver credit card sign up page link - https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their sign up page states the following - New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
Card offers with a rewards bonus are available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. 

I applied for the card for this sign up bonus. 
I successfully spent the {$500.00} required to qualify for the {$200.00} sign up bonus but the bonus never showed in my account. 

I reached out to QuickCustomer Care on XX/XX/XXXX, Friday to inquire about the same. They told me that I did not qualify for the bonus because it was not on my account. I told them that this offer showed on my sign up page. They told me that My credit card account is not eligible for the bonus. The customer care rep cut the call on me when I insisted that I should qualify since its on the sign up page. 

I called again on XX/XX/XXXX, Friday to ask about the bonus. They told me the same thing. I asked them to escalate this to find why I was not being given the bonus even though I meet all the qualifying requirements for the bonus - the Quicksilver credit card was my first account with Capital one so I was a new card member and I had spent the qualifying amount of {$500.00} per the sign up page. They told me they would get back to me but there isnt much that would change since the offer did not show on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: NC
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 HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Bread Financial 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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, COMENITYCBXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Exeter Finance Corp.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 EXTER FINANCE LLC pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: WA
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:
There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Bread Financial Holdings, Inc.
State: PA
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 made an electronic payment to XXXX on XX/XX/2022 in the amount of {$1000.00}, to pay my balance in full, but the payment was never applied. Despite providing proof of electronic transmission, their investigation determined a payment was never received, and they are threatening to report me to collections. The bank has confirmed the payment was made. In addition to the original balance, there are now additional fees ( late fees and interest ) they say I am responsible for. I am unable to get in touch with anyone via phone to resolve this issue, and have only been able to communicate via their messaging portal. I also sent a certified letter over a month ago, and received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, 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:
After requesting a permanent file freeze and suppression, " LexisNexis Risk Data Mgt , Inc. '' shared without my consent sold my credit report to 3rd parties. From understanding the continuing " SELL '' of my information/credentials that was collected without my consent to all 3 major credit bureaus is a violation of my consumer rights. For reference, my credit reports from XXXX XXXX XXXX all confirm that the information was furnished by a third party known as " LexisNexis. '' For several days and weeks, LexisNexis continue to ignore my calls and correspondence to address this issue that is negatively affecting my credit score. LexisNexis continue to furnish information publicly that IS NOT furnished by the courts to the credit bureaus. LexisNexis refuses to honor their letter confirming a freeze and suppression is active. Moreover, LexisNexis will not freeze nor suppress my files with accurate confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up checking and saving accounts with Citi bank a year ago with a {$400.00} USD account opening sign-up bonus. But I have never received such bonus in my account. I have submitted my XXXX and W-9 forms more than 4 times in the past year according to their instructions including where it should be sent to, what fields should be filled out, what supporting documents should be included etc. The last W-9 form I submitted was mailed out on XX/XX/2019 with USPS tracking, and it was received on XX/XX/2019. As I called the customer service on XX/XX/2019, they claimed that my tax status is still not certified and asked me to send a W-9 form once again. Now I am doubting that the Citi bank just mainly does not want to redeem the account opening bonuses as promised, and all the back and forth of the form submission and review are not transparent and are very suspicious.

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 2019-09-28
Company: EQUIFAX, INC.
State: CA
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 created an Equifax account, and attempted to obtain my free annual credit report and score. Equifax will only give you a free credit score if you sign up for their intrusive credit score service called Equifax Core Credit. Considering Equifaxes poor history with privacy controls, I don't think it's fair for them to force consumers to sign up for another service simply to obtain the score. What Equifax will give for free is a " credit report '' which does not give the score - only a summary of account information. According to Equifax 's privacy policy, signing up for Equifax Core Credit means agreeing to allowing the company to share and sell my information. I'm rather certain this is a violation of credit reporting laws and amounts to type of extortion. The Federal Government has been far too lax with Equifax considering their history and reputation of negligence with consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed two complaints one because my ATM card came up missing my cell phone someone change my pen access my money my ATM this bank is lying theyve already sent me a letter saying theyre not giving me the money back that they did research and determined that somehow while I was in the XXXX that it was me that did this over an hour and a half away from my home in a city that I dont regularly go to you I did drive there to figure out where it was at and how far it was from my home but once again furthermore proves this bank is crooked openly lied to you guys and said theyre still working on the keys when they sent me a letter over two weeks ago stating the case was closed and I wouldnt be receiving any funds back from them Im currently going through evictions because the money came up missing and I was unable to repay it this bank does not care about its customers theyre greedy disgusting and morally reprehensible I cant believe they openly just lie to you guys as well ask them for dates in the letters that they sent me so they can prove that theyre liars I received a letter the last week of the XXXX stating they werent going to help me and now theyre lying you guys stating 45 more days that will put it over 60 calendar days almost 180 disgusting practices I just want my money back I want my money for opening my account and starting Direct deposit They need to be held accountable and be made to follow through with their promises that look for loopholes to XXXX over customers

Company response to consumer: Closed with explanation