BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have filed lawsuits against XXXX and Equifax. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
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 status incorrect

Complaint:
I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as posssible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
According to Regulation Z ( Thruth in Lending Act ) my rights as a consumer have been violated. Regulation Z indicates that the banking institution in this case Citibank must send a notice of changes in the terms of the account 45 days before this applies to credit cards, revolving accounts, Heloc, etc. This institution reduced 2 credit cards without any notice as stated by Thruth in Lending Act (  TILA ) 45 days before so the client decides to evaluate the change and decide whether to keep the account or cancel it, Citibank carried out an illegal or discriminatory practice. This had an adverse effect on my credit. 

Accounts that did not comply with Regulation Z. 
XXXX XXXX XXXX XXXX From XXXX it was reduced to XXXX, lowering my score since when I did this practice without prior notice 45 days before as stated in the regulatory requirements of a 50 % increase to 99 % of use of the credit, the same happened with the XXXX XXXX XXXX XXXX of {$1500.00} which was the credit limit they lowered it without notice to {$900.00}. I hope I resolved this crass error because I will climb to the last consequences. XX/XX/XXXX THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00}. FOR THE STATEMENT OF XX/XX/XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS

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 2020-09-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I offered a debt settlement to my old Auto loan company ( Westlake Financial ) I send them a letter, they called me back and accepted it ; I complete the payment and they agreed to mail me a pay for delete letter to have this collection removed from my credit report. The payment was made in XX/XX/XXXX and I still have not receive the letter. I called multiple time to see the status of my letter and each time they give me arbitrary information ( the letter was delayed, that it was sent, then that it was sent to my email ). 

To add to all that, today I checked my credit report and they did not report the balance to XXXX ( what we agree to ) but they deduct the amount I pay from the amount originally owned and reported that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a account on my credit report was in delinquency, I immediately disputed it because all my bill are paid on time and I shouldnt have any late payments on any accounts. All my bills are on auto payment. I reported this fraud with XXXX county police, the county in which I reside in, I also completed a identity theft affidavit and sent to XXXX  and Experian to have this XXXX account removed, they are still reporting this inaccurate account and its affecting my livelihood.

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 2021-02-09
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested validation of debt from FABCO from XX/XX/2020XX/XX/2020, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. FABCO has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.

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 2023-05-15
Company: EQUIFAX, 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 am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-03-01
Company: Bread Financial 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: Account status incorrect

Complaint:
the following accounts are on my credit report as charged off. they were included in a XXXX XXXX  bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to XXXX but still left it as charged off. XXXX XXXX XXXXXXXX sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mn XXXX comenity bankXXXX XXXX XXXX XXXXXXXX XXXX  oh XXXX comenity bank/ XXXX, same as above comenity bank/ XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
stop payment from my bank on XXXX for cashnetusa. On XXXX the debit my account for the {$190.00}. Went to XXXX XXXX XXXX and ask the cashier why did it go through she said they used a different number than the one I stop payment on. She said there nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good morning. As it is known worldwide, there is a COVID-19 Pandemic going on. I requested forbearance for my student loans ( which should of been stayed automatically ) and to my surprise, I received an automatic debit from AES in my account where no funds are available plus I requested a forbearance via AES 's website. 

I am being charged fees for overdraft and will pursue this issue as AES/PHEE and/or any servicer that has managed this account has caused great damage, harm and other damages. 

Stop auto debit as CARES  and and Families First act requieres, pay damages and return fees. Plus their is another complaint regarding illegal fees charged which is not closed and am awaiting for CFPB to inform about appeals and legal process and or guidance as how to proceed. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase charged overdrafts fees allowed charges on account and refused to allow myself with POA to speak to me on my XXXX XXXX XXXX grandmother 's account. Froze her funds when she was XXXX  and had XXXX. Could not pay her board and care. Took over a year to finally get authorization to speak to them but said I could only close the account and take money out. Made me sign I would not make any claims before they would give me funds. Allowed internet charges when I told them she had told them not to. There was even a note on account. Chase allowed me access to this account until I complained and wanted to be refunded. I also am her executor and only beneficiary. She has passed now and I am still trying to pay depts. I lost my bank account trying to keep her care. Chase was aware I was handling her account and froze her funds after I complained. They said they wanted no association with me due to fraud in the past. I had several accounts with them myself and POD accounts for my aunt as well as stock. They forced me to close account to not refund charges. I went and took paperwork 4 times. They are taking advantage of the elderly knowing she was sick. Chase would give credit than take away the credit. As you can see I tried to resolve these matters on my own. Adore me was the only one to help with some. It still caused many fees. XXXX XXXX said no account in her name. XXXX XXXX XXXX said I had to go thru the bank. Flex shopper I did not contact due to the stress and other personal responsibility gave me no time and Chase would no work with me. I have a chronic illness myself and I had so much to handle. My grandmothers info was found in someone's possession and the DOJ notified her but Chase never cared to even look at the papers. I don't know if her information was used or not. I was charged all this money and they knew I complained. They avoided paying by only giving me one option which was to add me for 1 day than close account also sign I would not files any claims. This is unfair and I am asking for help for what is rightfully due. I sent a lot of paperwork but there is more if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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:
Equifax has refused to block the fraudulent accounts listed in the police report. They continually investigate and are dragging the process on. I have sent them copies of my ID, police report, Identity theft affidavit supporting my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the wrong item instead. Therefore, on XX/XX/2020, I submitted a dispute through XXXX, which XXXX denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, XXXX supported a fraudulent transaction with the merchant. In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. However, I received a small package of two masks instead of the sewing table I ordered.Then after further research on the merchant, there were other complaints about the same issues regarding fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX i received two paper notices in the mail that capital one was closing my XXXX XXXX and XXXX XXXX Credit cards due to some type of violation of their policy with either one or more of my accounts. I called the accounts review department and requested to know exactly why my accounts were being closed and was advised that it could be due to 1. returned payments or 2. too many late payments on this or any other of my credit card accounts. I advised the call center rep that i have not had any returned payments on this account or any other accounts nor have i had any late payments on any accounts, i informed the rep that actually my credit is in better condition now then it was when i first obtained the cards last year in XXXX. I was told that i could not be given any definitive information about why my cards were being closed and that i could reapply if i liked. I also asked what would show on my credit report and would the information be something that would negatively effect my account and i was told by the representative named XXXX that he did not know. I asked to speak to his supervisor and was informed again that the supervisor did not know and there was noone around who could assist me with getting any answers to my questions. I violated none of the capital one credit card holder policies and my accounts either need to be reinstated or i need a detailed reason why my accounts were closed. I have paid my accounts on time and used the cards as needed, I understand one of the creditors is going bankrupt but it seems fraudulent to close an account with perfect payment status on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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 is missing that should be on the report

Complaint:
I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

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 2023-07-10
Company: EQUIFAX, INC.
State: CT
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 reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( 5 yrs autopay ) Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my third attempt to resolve this issue through the CFPB. 
Equifax does not keep accurate records of my credit report. I shows different lenders different reports. One report from XXXX shows most of my active accounts ( 8 ). I pulled my current report from equifax website which does not show 6 of my currently active accounts and reflects a score of XXXX. When applying for credit in some instances my score ranges from 500 to 650 from equifax due to incorrect information. Im not sure why accounts sometimes disappear then reappear at a later time. I'm attaching two recent reports from equifax to show the discrepency.

Company response to consumer: Closed with explanation