BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my credit report with Equifax. alot of invalid data is errors made by the creditors. this is my 2nd attempt to process disputes on these items. none of the listed data is correct on all 3 credit reports. please review an delete all information listed on the files asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XXXX I was contacted on a social media planform for romance marriage. He used a fake name XXXX XXXX. Birth place in Texas and race XXXX. All false. 
I was scam instead to send wire transfer to XXXX while he caught Covid-19 Respond Unit and to pay his medical bills because his bank account was frozen and he promised he will pay me all the wire transfer sent to XXXX XXXX XXXX XXXX XXXX while being treated form Corvid-19 for over XXXX He was suppose to be XXXX in XX/XX/XXXX. His doctor XXXX XXXX XXXX and his driver XXXX had passed away was the culprit scammer. He kept on asking to pay thru wire transfer before he will be discharged. Kept asking more and more till excited to {$400000.00}. If he ( us ) won't pay he will be sent to detention center of immigration in XXXX. Ones the medical pay will be paid then he will be discharged and able to come back home. It was all a lie.

I have all the wire transfer documents.

Please advise.

They posted fake photos of other attractive men and used as treating physicians. They were all fake. And there where all done in USA. To identify them by the phone number they used on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX and this agency to advised this account was opened fraudulently and i have the FTC reports to sustain my claims. The company refuse and have very rude agents. Also I have a Consented phone recording where the debt collector refuse to give me info for the legal department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Lendmark Financial Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have asked the company a number of times to stop reporting late payments which was false ; there was originally supposed to be a deferred payment, and payments were reported late. Then there was dispute of the account, the time during which no late payment was supposed to be reported. This account continues to be reported late, in violation of consumer protection laws, and the fair credit reporting act. This has went on since XX/XX/2021 to present,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My late wife, XXXX XXXX XXXX, was receiving Social Security Disability Insurance ( SSDI ). I was her designated payee. The Social Security Administration ( SSA ) was direct depositing her payment into a checking account at Huntington Bank ( the bank ). She passed XX/XX/2018, the Saturday before XXXX. I notified the bank of her passing by phone on XX/XX/2018. The bank immediately froze the account ; to return last SSDI payment to the SSA. However, the bank did not return the last deposit to the SSA. The SSA required me, as designated payee, to repay the {$970.00} direct deposited to, and held to this day, by the bank. The SSA collected this money from me by garnishment of my monthly Social Security payment. 

I have contact the bank several times by phoning Customer Service and in person at the local branch. I have provided paper and electronic copies of the correspondence from the SSA informing me that repayment is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2019-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX needs to be removed as an authorized user. I have called multiple times trying to get him removed as a user. Every time they tell me they are not allowed to remove him because the account is closed and they can not and will not remove him. This is not his card this is solely my card and my responsibility and I would really like him removed from my account. Every time I called I was on hold for at least 30 mins and  kept being redirected only to get the same end result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EMG ACQUISITION GROUP, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Took out a loan with this company. They keep calling and calling on my bill I spoke with them originally when I got injured at my job and then losing it a few weeks later. I told them I had an open workmans comp claim that would make a settlement and I would pay back as I could. Called them back on Monday after they kept calling me leaving me messages day after day and told them I still do not have a job because of my injury or have not gotten a settlement from workmans comp yet where I just had XXXX done and still doing treatment to figure every thing out. I asked them nicely to not call me back for a month because it would be at least that long before I'm even able to start looking for a job again. Then Friday 3 workdays later they are calling me again. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Trident Asset Management, L.L.C.
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: Was not notified of investigation status or results

Complaint:
I was alerted last year via email from XXXX that my personal information had been compromised in the breach and to fill out the form via email for the XXXX XXXX to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX agency was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called Trident Asset Management and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by Trident that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet XXXX and XXXX told me the account was verified. I asked XXXX  for these supporting documents. After never receiving the documents that supported Trident Asset Management verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX or Trident. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX or Trident. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or Trident. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or Trident regarding this collection account. It had been over 100 days so i contact XXXX  on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like XXXX that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On or about XX/XX/2018 I reported a error to Transunion. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called XXXX and had a letter in my hand within a week.

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 2020-10-15
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have had this deplorable issue with PayPal since XX/XX/2020. 
Still no resolution. 

One of our cards got hacked in XXXX. Took 45 days to somewhat resolve, still not answer to inquiries. 
The replacement card could NOT get activated for days! 
The account has been blocked since XXXX It is impossible to get an answer as to WHY. 
My son could not add money to send the child support payment last month My son could not send his share of the phone bill payment My son had to walk about a mile to take a bus, I had to pay the full amount of the phone bill. My son can not order food, nor use XXXX or XXXX I am unable to receive payments from my clients, and risk that I end up with no shows. 
I needed the {$600.00} owed to me to pay for my car repairs. The transaction was DENIED for no reason, leaving me with no transportation and in a very demeaning, embarrassing situation. 
My health is suffering, so is my sons. 
Why am I and my son- who shares my account- being retaliated against? 
PayPal owes us a huge compensation for emotional distress, pain, and suffering, and then some! 
XXXX is highly responsible for this as well! 

Please read the full description on these list in the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX/XXXX/XXXX I was approved for the Wells Fargo Visa Signature card. The card came with 2 bonus offers : 1. XXXX points ( worth {$200.00} in statement credit ) after spending {$1000.00} within the first 3 months. 2. 5x points on gas, grocery, drugstore net purchases for 6 months I successfully completed the first offer XXXX XXXX points XXXX by my XXXX/XXXX/XXXX statement on which it showed a balance of {$4500.00}. I continued to take advantage of the remaining offer of 5x points by making purchases at grocery stores. On XXXX/XXXX/XXXX I logged onto the WF mobile app after having a transaction declined to find that my account had been closed by Wells Fargo. At that time of closure I had XXXX points pending on my account equivalent to {$160.00} in statement credit and had yet to be rewarded for successfully completing the first bonus offer ( XXXX points ). Thus, I had XXXX in pending rewards that I had earned while the card was open. When I called the WF Executive Office on XXXX at XXXX EST the representative noted my account was closed for rewards abuse. WF misled me by indicating that rewards would be earned in the amount of 5x for all purchases made at grocery, gas, or drugstores for the first 6 months. WF never indicated a cap on rewards or that spending more than they deem acceptable would result in account closure. I never spent more than my credit limit and made on-time payments. I feel that I was misled and treated unfairly.

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 2020-07-19
Company: Navient Solutions, LLC.
State: FL
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 inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( 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 Fair Credit Reporting Act. 
Respondent, please have the following inquiries 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 2022-01-06
Company: EQUIFAX, 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:
I am filing this complaint because EQUIFAX, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$5500.00} XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$32000.00} these account are un authorized accounts that are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a renter that electronically transfers rent too my account. A mistake was made by her or her financial institute instead of transferring the money in it was withdraw from my account. There was never any permission given for this type of transfer from my account too this person account. My bank excepted this transfer even though this type of transfer was never granted. My renter notified me of some kind of problem ( thank goodness for an honest renter ) I immediately contacted my bank. This withdraw caused my account to go negative by hundreds of dollars prompting a {$37.00} Overdraft charge. 
I would think there would be safeguards set up too keep this stuff from not happen. I would believe this should have never been posted into my account being no authorization was given to transfer funds from my account. I have transfers set up too some of my other banks I have accounts with. I had too go through a rigorous process too do this. 
The compliant I have why can just anyone withdraw from my account. In today age there should be safeguards in place for this not too happen. As a financial institution I would be embarrassed that this even happen but they are not excepting any blame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: Bread Financial Holdings, Inc.
State: IA
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:
In XXXX of 2015, I opened an account with Comenity Bank at the age of XXXX years old. I had just turned XXXX, and was fresh, young and naive. I never really knew when my bill was due, as I thought I was set up with auto-pay when I signed up for the card. I ended up getting behind on my payments, and the because of interest I ended up owing way more on the account than what was even credited to me and it ended up going to collections. I am now XXXX years old, I have paid off all my debt with those collections in full, but they are all still reporting as derogatory marks on my credit report which is causing a lot of personal, business and financial issues in my life.I have a child now, and I am not able to get a second car for our growing family, a mortgage, or any of life 's necessities because of this issue. These accounts have been paid in full for over 6+ months, I reached out to the companies and the creditors are refusing to take these derogatory marks off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Perfection Collection
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX  and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX  and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Ascension Point Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband XXXX XXXX XXXX passed away on XX/XX/2016. We were separated at the time for XXXX years and he resided at XXXX XXXX XXXX, XXXX XXXX Maryland at the time of his death. I received his letter from the Collection Agency in  care of XXXX XXXX XXXX, The XXXX XXXX  stating they wanted to make a settlement of his debt. Since we had been married for XXXX   years, separated for XXXX years, all of our debt had been in each of our own names, other than our home, which we did a deed in lieu of foreclosure. I did not know which debts my husband had, never signed my name on any of them, and have never been responsible for paying any of them. The same goes for me. I have my own debt, including my own XXXX XXXX card. Now, these people want me to pay for his debt. This is totally unfair on several accounts, I never signed my name on any of his bills, never used any of his credit, didn't know what credit he even had. My credit has always been important to me, and now while trying to keep my own credit cleaned, his bills are now coming in for me to pay, and are being placed on my credit report and they are using my address. I have sent letters to 3 of them, informed all of the banks, and now after 2 years, they are trying to collect from me. XXXX was the primary bread owner while we married, even then, we were responsible for our own debt. In addition, my deceased husband, never lived with me at my current address, nor I at his current address.

Company response to consumer: Closed with explanation