BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: NY
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:
Starting in XX/XX/XXXX I began disputing unverified bankruptcy item information on my credit file with Equifax, we've had ongoing correspondence back and forth with little cooperation, they continued to state that the information had been verified but never provided proof. I then disputed the information with XXXX XXXX, the company that sold Equifax the unverified information, XXXX XXXX subsequently removed the item from my credit file and sent me a letter and updated credit report to reflect the changes. I then sent the updated information to Equifax they responded by sending me a letter dated XX/XX/XXXX stating that they were unable to locate a credit file for me, and that I may not have a credit file. They went as far as incorrectly spelling my name in the letter. Equifax and I have been corresponding since XX/XX/XXXX and now when I sent proof that the company that was the source of the inaccurate item on my equifax credit file, they pretend not to know who I was. This company is not committed to accurate and fairness reporting. I have attached the letter from XXXX XXXX as well as the letter from Equifax pretending not to know who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To XXXX XXXX XXXX XXXX we dont owed any mortgage payment. They bought the loan mortgage from Wells Fargo Bank and Wells Fargo bank said there is outstanding balance of {$5500.00}. 

Wells Fargo Bank claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XX/XX/2020. FYI and record too 4 times said documents were faxed via XXXX  fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from Wells Fargo Bank. 

Please see my previous complaint and reference number are XXXX Wells Fargo and for 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 2020-02-25
Company: U.S. BANCORP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i am 1 month behind on my credit card ; they call multiple times a day starting at XXXX till XXXX XXXX. I've asked them to stop and they dont. They are supposed to stop when i ask.

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 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I used a 3rd party to book a vacation home for XX/XX/XXXX, a day before my arrival the " host '' informed me that I couldn't come because a current guest had a high fever and it was dangerous. I resulted in having to find a place to stay with my XXXX month old baby and XXXX year old last minute. When I asked the company for a refund since the " host '' cancelled on me, they deleted my account. Then I found out that this was part of a scam of the company ( XXXX XXXX XXXX ). On XX/XX/XXXX I disputed the charge, sent documents and told American Express what had happened. The merchant responded with fabricated evidence and apparently my documentation wasn't seen by the back office representative, instead of informing me to re-submit my documents, they sided with the merchant because they sent fake evidence. I tried to re-submit the dispute numerous times with different ways of sending evidence and never once was my evidence reviewed properly. On XX/XX/XXXX, the merchant decided to charge my credit card another {$5700.00} and {$1600.00} because they saw that Amex was letting them get away with the first charge. 
I once again contacted Amex and told them this was fraud, XXXX months later they charged my credit card when I had not made any transaction with them for that amount! Amex deleted the {$1600.00} charge on my account, but for some reason kept the {$5700.00}. 
On XXXX XXXX, I was told by Amex they would have a resolution within 30 days, it has been 30 days and no resolution has been made and they keep asking me to send personal information such as transactional data from other accounts, private conversations I had with friends proving that I was homeless while I search for a place to stay. I feel violated, mistreated, and that Amex is acting negligent in accepting fabricated evidence from a merchant. 

Attached is the correspondence I've had with American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Subjects known as trans union require entire ssa number vs last 4 digits dob etc then with fraud reporting want a phone number as refuse too contact by paper mail company not supplying advertised services and allowing for things too be listed that doesnt even apply too credit reporting!

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 2022-04-28
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: MO
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 tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter in the mail from XXXX XXXX indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was SAGESTREAM , LLC. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX  showing unknown payment history hurting my score FCRA viiolations

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2016, I started working with CITIMortgage for a " loan modification '', this comes after the interest only loan ballooned and payments tripled and am behind behind. Because I can not make the larger payments and the threat of foreclosure, I felt I needed legal help with Foreclosure Defense & Mortgage Mitigation help. XXXX XXXX XXXX cohearsed me into giving them a {$1100.00} retainer and $ XXXX/mo. fee. Was told they would take care of everything and it would take 3-4 months. Promised weekly updates, never called except to see if payment was available, I have since stopped payments, this firm 's address is in VA, but calls come from D.C.. I did not know of Minnesota Law prohibits this kind of activity and I find it unconscionable for Big Banks and Mortgage Litigation scammers to string along homeowners far beyond their abilities to fight and keep their homes.

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 2019-02-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My monthly plan is automatically debited from my bank account every month with an agreed upon payment of XXXX. This month they charged me XXXX with no prior notice, no explanation of why my monthly payment was raised and still claim I am past due. This over charge put me in the negative with my bank which activated an negative balance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: TX
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:
After sending information to verify myself with my disputes on XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
This is regarding the rewards program for Chase Sapphire Reserve Credit Card. 

On XX/XX/XXXX, I made a rewards redemption for 10 charges on my account. The request was for a credit of {$340.00} for a debit of XXXX ( approx ) miles from my account. I was charged the miles but never given the credit of {$340.00} On XX/XX/XXXX, I called Chase customer service about this issue. They agreed with me and their solution was to give me my miles back. I agreed with that and the miles showed up in my account right away. 

On the same date ( XX/XX/XXXX ), since I was ok with what the service person had told me, I made a new rewards redemption for 12 charges on my account. This was for a credit of {$460.00} for a debit of XXXX miles to my account. This transaction went through fine - both the credit and the debit. 10 of the charges in this activity were the same as those on the earlier XX/XX/XXXX transaction. 

on about XX/XX/XXXX ( not sure of date ), I logged into my account and noticed a redemption credit reversal charge on my account of {$340.00}. This charge had a transaction date of XX/XX/XXXX but a posting date of XX/XX/XXXX. In other words, after my complaint on XX/XX/XXXX - I got the miles back - but was also debited XXXX i.e. was not credit XXXX on XX/XX/XXXX but debited on the transaction reversal. 

On XX/XX/XXXX, I called chase customer service to report this issue. The person agreed with me and promised to have their escalation department fix the issue i.e. give me the {$340.00} back. 

On XX/XX/XXXX, I called chase to ask about the issue. The person at the other end did not understand what I was trying to explain and kept confusing the XX/XX/XXXX redemption transaction which was incorrect with the correct XX/XX/XXXX transaction because they had some of the same charges. Even after another 30 minutes on the phone, I could not explain. When I requested a different agent, the request was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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 have not applied for any new lines of credit or installment loans. I need these inquires removed from my credit file. As well, send verification document that was used to apply this to my credit file.

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 2021-06-13
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
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:
I have been mailing and faxing information to the credit bureaus to no avail. There are collection accounts that are appearing on my bill that are not my accounts. There were also false addresses in addition to false inquiries on my credit report. I spoke with representatives from all three bureaus. I followed all of the instructions that were given to me by all 3 bureaus. Which included filing a police report, contacting the creditors, and faxing all of the information to XXXX and Equifax and mailing to XXXX. I did exactly what was told and still the collection accounts, false addresses, and inquiries remain on my accounts. At this point Im extremely upset and do not know exactly what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TD BANK US HOLDING COMPANY
State: ME
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:
My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was TD Bank/Target. I do not have/use a Target credit card. ( the other was a XXXX/XXXX account ). XXXX was very good in responding but Target continues to show as delinquent on XXXX, XXXX  and XXXX. 
I would like the Target charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to TD Bank but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
XXXX XXXX

Company response to consumer: Closed with explanation