BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
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: Account information incorrect

Complaint:
Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX and Equifax have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I applied for the loan XX/XX/2019 my bank held the check to clear which took 15 days but the first payment was due XX/XX/XXXX my second payment was due XX/XX/XXXX and began to have money problem I asked for a extension I was going to double up but they refuse so today they repos my car it has been a month and they transferred the title taking my name off. 
Happy birthday to me today First American title lending of Georgia XXXX XXXX repo my car because I missed a {$120.00} payment from a {$1000.00} loan yes I missed but they have no mercy it was 17 late stay away do not give up your title WARNING STAY AWAY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and they have lowered my payments, but Im not going to have any income come XX/XX/XXXX to pay them any longer Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid 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 opened an Delta Skymiles-American Express credit card clicking a prompt that came up on the delta website that said it offered XXXX bonus miles and XXXX dollars off of statement if I spent XXXX dollars in the first 3 months. After my application, I didn't receive my card. It looks like I applied for the card on XX/XX/XXXX, and didn't receive the card for months after that. Because I have a life, I forgot about it and contacted the company in XX/XX/XXXXto check the trajectory of my card. They said they sent it, I didn't receive again, in three more trials I finally got it. I started using the card as soon as it arrived and spent XXXX dollars in three months. While I was expecting to get my miles this month, they say because I didn't spend XXXX until XX/XX/XXXX, they can not give me those miles. 
I think they delayed the delivery process in purpose and did not inform me that the date of three months started the moment I applied for the card. Basically by the time I received my card, there was no point to using it already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid down my HELOC and obtained a payoff letter good through XX/XX/21. While in possession of the payoff letter I noticed that some payoff letter fees and an annual fee were charged. The payoff letter fees were waived and the CSR indicated that the annual fee would be waived if I signed the payoff and close letter and returned it by XX/XX/21. Therefore, I signed the payoff and close letter and emailed the executed copy to XXXX, as I was instructed to do so in the letter. On XX/XX/21, I called to confirm that the letter was received and the mortgage was in the process of being discharged ; however, the CSR advised that there was no record of receiving that letter and that the annual fee is still outstanding. On XX/XX/21, at the CSR 's direction, I forwarded the executed payoff letter to XXXX and XXXX. I would like for my loan to be discharged and any outstanding fees to be waived as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/18 I called Chase Freedom to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that they could possibly help me. They asked me a ton of questions about my income, my monthly payments, my utilities etc. XXXX seemed to want to help and said he could get me a lower interest rate and payment and even set a date for payment. He then put me on hold and when he came back, he said he couldn't help me. He said his manager didn't give him an explanation but that he could not help. He suggested a debt consolidation company and ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ) 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. 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 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 XXXX data breach and may have got into the hands of the wrong person.

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 2018-03-22
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XXXX 2011 Wells Fargo XXXX me out of XXXX when they opened up an account in me and my husbands name. 

We fought hard, but they would not budge. Me and my husband live paycheck to paycheck so that hurt. Ended up borrowing money because of this. 

Now I found out they did this to other customers, not just me and my husband. I see it all over the news We ended up leaving Wells Fargo because of this. 

We were out XXXX because of there employees XXXX XXXX. Then my account ends up being frozen. It was a mess. 

I can not stand Wells Fargo what they did to us.

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 2022-08-08
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: Information belongs to someone else

Complaint:
The account should not be showing on my personal profile, this account is a corporate responsibility. That's under a corporation name Vehicle, instead the lender is placing account on my credit.

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 2019-11-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I finished the auto loan payment for a new car I bought in XX/XX/XXXX by paying off the car loan back in XXXX, XXXX. The Wells Fargo Dealer Financing company was overpaid by one additional installment payment of {$460.00} from my bank 's bill pay service after the remaining balance on the loan was paid off at that time. As a result I incurred {$210.00} in insufficient fund fee in my Wells Fargo bank Checking account. It took me over two weeks to get that over payment back into my account but have been unable to recover the wrongly charged fee totaling {$210.00} Since XX/XX/XXXX, after the car was paid off with the over payment there in, I'm still without a clear title and unable to change my car 's registration from XXXX to XXXX. Both States operate with Electronic Title System, and both States have not yet electronically received the release of lien on the title from the lien holder, Wells Fargo Dealer Financing company.

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 2019-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, note that there might some accounts that a not showing in my credit yet. 
I'm currently receiving collection mail from different place, i will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
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: Their investigation did not fix an error on your report

Complaint:
I recently filed a dispute XXXX stating I have fraudulent items on my report and it was said deemed correct. I reported that XXXX had a vehicle on my credit report which was not my vehicle but my ex XXXX XXXX. The information came back that XXXX didn't have any idea who she was. At not one point did I ever have ownership of the vehicle and was not notified of the repo until it was sold. In the claim number above XXXX stated they did not have any record of XXXX XXXX the owner of the vehicle and the only person to ever have the vehicle. I'm refiling the claim because I have proof they were being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: VA
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:
Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.

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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I solely contracted with XXXX to provide alarm monitoring service. My credit wasnt great so I had to pay a monthly fee to get the alarm monitoring service ( I have proof that this was my account and that I wasnt given a line of credit ). XXXX a dealer for XXXX accepted my monthly payments initially then XXXX took over. I fell on hard times and could no longer pay for the alarm monitoring service. I was given a letter stating that my monitoring service would be disconnected if I did not pay the monthly fee. I did not pay the monthly fee and my services was disconnected. XXXX, the company I contracted with, sent me a collection letter, but was not authorized to collect in my state for which I timely disputed. 

Last month, XX/XX/2021, Transunion informed me that XXXX reported to them that I had a charge account with them, the account was joint and that it was a utility charge-off. I was never issued any credit nor was I given any terms, apr rate etc ... Further, all of my monthly service statements list me as the responsible customer. Even the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX never listed XXXX alarm company as a utility provider. 

However, XXXX has reported to Transunion that they had issued me credit, and that they were a utility company, a creditor, entitled to report negative information about me without coming to me first so I can dispute any errors.

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 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Fraudulent charges were found on my Kohl 's credit card in late XX/XX/XXXX. Kohl 's initiated an investigation into the fraudulent charges, and during period of the investigation late charges were accrued in XX/XX/XXXX-XX/XX/XXXX. Also during the period of the investigation, Kohls customer service rep advised me not to make payments of any sort. Kohl 's investigation ruled that these charges were indeed fraudulent ( see attached letters ). Kohl 's refunded the fraudulent charge and late charges and stated they would contact the credit bureaus to correct the late charges that significantly impacted my credit score. I expressed to Kohls customer service reps the urgency they have my credit score corrected since I am closing on the purchase of a house in early XX/XX/XXXX, and this impact to my credit score is preventing me from obtaining a low interest rate. After ~2 months of contacting multiple Kohl 's reps and supervisors, and them assuring me that this would be corrected with the credit bureaus, this has not been done as of today ( XX/XX/XXXX ).  I have contacted both XXXX and XXXX minutes prior to writing this complaint, and both credit bureaus confirmed that Kohls has NOT reported correcting the late fees. Kohl 's has failed to contact XXXX and XXXX to report they have corrected the charges so that my credit score can be corrected in this urgent time. Kohl 's has repeatedly demonstrated extremely poor customer service, and by not reporting to the credit bureau 's are refusing to take ownership of their fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late.

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
l called them in XXXX due couvid 19 stay home and closing business, asking them to give me sometime to get back to normalcy to pay again on my loan. I made a payment on XX/XX/XXXX they received the payment,XXXX $ went into interest for the previous 3 months. I called them to complain and reverse it they said nothing they could do. The call was on XX/XX/20. My loan is through BECU there # is XXXX

Company response to consumer: Closed with explanation