BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: MS
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:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am highly upset that American Express would close my card and report it to my credit report that is for XXXX  XXXX. I have been using this card for months with no problems and have made my payments. They have me in collections for $ XXXX when that is not the case. I need this fixed ASAP and my card reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 at XXXX XXXX  I called USAA Bank to file a claim on an unauthorized transaction using my debit card that posted on XX/XX/XXXX for {$71.00}. I already canceled my debit card. Got a credit while claim is in process. 
XX/XX/2020 XXXX XXXX   Got a call from a representative of USAA asking me what happened with that transaction. After explaining I was told it was filed as a dispute claim should had been a fraud claim. I told her I just called in and representative filed the claim I have no idea was the wrong one. She said credit will be reversed and I should see another credit under fraud instead by XXXX XXXX Credit was taken back on XXXX XXXX 2020. No credit was reissued. 
XX/XX/2020 XXXX XXXX  Called to asked about status of claim. Was told I should had the credit already. Representative review acct and said could see notes. To give 3 to 5 business days and I should see credit. 
XX/XX/2020 XXXX XXXX  Called again to check on status and credit. Representative said she can see notes. Put a work order to get credit should take 7 to 10 business days. 
Absolutely unacceptable is I have to keep waiting and calling after a month of calls going back and forth and this is not free money. Hard earned money not XXXX cents or XXXX dollars but {$71.00} that I could pay a bill with. Besides another issue that havenr been resolved either. I cant access my insurance yo make payments this has been going on since XXXX. No resolution either and here I am can't make my payment. Already missed a payment arrangement because of this on my car insurance. I dont like to give my card or acct info on a call to a person. I prefer doing it thru website of the bank. I cant even use bill pay option either. Again another issued mentioned on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still nobody knows why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 2021-08-18
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ford Motor Credit calls my home several times a day to collect a debt from someone who is not me and it not know to me. I have reported this to Ford Motor Credit and yet they continue to call my home several times a day. Since reporting the incorrect information, Ford Motor Credit has called my home 18 times. These calls disrupt my home office and are embarrassing during work meetings when the message is left out loud on my answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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: Information belongs to someone else

Complaint:
I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX Date Opened :XX/XX/XXXXBalance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date OpenedXX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XX/XX/XXXXAccount # XXXX  Date OpenedXX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX GA XXXX  Equifax Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   Equifax has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: FL
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:
Emergency room visit year 2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from 2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt

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 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX OF XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX, CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Credit card company Barclay Card US : I charged a coat with XXXX on XX/XX/XXXX ( order # XXXX ). My daughter mailed the coat back as defective in XXXX XXXX. They mistakenly mis-calculated that it was " over a year old '' transaction and said she would get a merchandise credit. However, on XX/XX/XXXX, XXXX gave a credit back of {$240.00} on my OLD credit card ( which had been closed because the number was stolen ). The vendor and credit card company both have confirmed that there was a credit invoice sent and received by my credit card company ; credit invoice # XXXX. It was supposed to be " automatically '' charged back to my new account number by the credit card company. I have had to be on the phone with my credit card company twice now ( not to mention numerous emails and phone calls with XXXX as well ) to get my money properly credited back to me. Each time the credit card company started with a person being completely incompetent and not knowing at all what to do and then finally getting a person supposedly skilled and able to do this and yet each time, despite promises of the money being credited " within 24-36 hours '', NO MONEY. I am furious and they have now had my money for almost 3 months and I do not have it!!!! I am so tired of this incompetence and practically theft. I want my money back and I don't want to have to call and beg them for it and they should pay me interest on this money that they have kept from me. My last call was on XX/XX/XXXX at XXXX XXXX. I spoke with employee ID XXXX " XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/20, I purchased media cabinet, two bookshelves and 5 stools for {$5000.00}. West Elm contacted me to inform me that they did not know when they would deliver. I asked for a refund. They only returned partial. I had to call back because they forgot to return the media cabinet because THEY FORGOT. Then they explained that they would not return the shipping fee amount. I have spent no less than 10 hours, emailing, calling and begging them to fix my account. West Elm is totally unresponsive. I have been given the run around. I have researched online and this behavior is consistent with many complaints. They sell product and sometimes " lose '' where it is in the supply chain. They do not respond to calls and inquiriesXXXX XXXX XXXX. I am asking for a refund of the total amount in addition to the late fees and interest. Most importantly, WEST ELM AND COMENITY BANK which is their credit card MUST make my account equal to XXXX and account current. They are impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, 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 belongs to someone else

Complaint:
In early 2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have mailed CACH LLC/Resurgent Capital Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report.

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions 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:
XXXX XXXX XXXX, XXXX XXXX XXXX, should be remove from all reporting agencies, it hasn't been remove from experian

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 2021-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made what was going to be the final payment toward my student loan. The amount was XXXX and it was made on Discover 's student loan website on XX/XX/XXXX/2019. This payment was supposed to be split into {$80.00} toward my monthly payment with the rest going toward paying down my principal balance. 

Discover applied the {$80.00} payment promptly while failing to apply the the payment toward my principal balance. The entire sum of {$3300.00} has been deducted from my bank account and Discover refuses to bring down my principal amount. Due to this, I am being charged 10 % interest per annum daily on my balance. 

As I write this to you on Friday, XX/XX/XXXX, it has been 5 business days without Discover finding a resolution to this problem. I have made 2 calls and written several emails. During all of this time, I am being charged interest unfairly.

I am attaching Discover 's acknowledgement of the one-time payment I made. Their call center refuses to acknowledge this proof and wants to inconvenience me by making me go to my bank and get a statement and send it to them as proof of payment. I don't understand why they can't treat their own letter ( which they sent to me ) as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-03-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two delinquent accounts currently appearing each month on my credit report. They are retail credit cards with XXXX 's and XXXX. Both of these accounts belong to my ex-husband. We were divorced on XX/XX/18. These accounts are in his name. I am not an authorized user on either of these accounts. 

In addition, my credit report shows my XXXX XXXX XXXX, XXXX, Texas address as a new address. It is not new. I have lived there for 12 years. Also, it shows an address on XXXX as a new address. The XXXX address is my ex-husband 's rental property - not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The entity claims I owe them money for a debt I do not owe and had never paid on but on my credit report they have been throughout the course of ten years making it appear to where I started and setup a payment with them and have been making payments to them which I have not ever once. I have not even contacted them throughout the span of ten years. Everyday I get harassed by phone calls all from different yet local numbers ( too many to count ) to disguise the true nature of who was really calling my house. They will get on the phone trying to bait me by impersonating someone other than a debt collector. They sent a fear factor letter in the mail threatening to take funds out of my check. Since I have known them to be irrelevant I have to step up and now and take action towards them and ask for proof of any transactions they claim I have made to them so they can be made fools of I can be left alone. I have stressed and endured harassment long enough over this.

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 2021-01-20
Company: Chime Financial Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received two cards in the mail. Both Visa cards Chime and XXXX. Both cards are in my maiden name that I do not go by. I have never used either of their services. I am unable to contact either companies. I just get recordings when I call. I am very worried I will receive more cards in the mail. I put a freeze through XXXX and am not sure if I should contact the other two credit bureaus. I am not sure what else I can do. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a company coming after me for payment of debt collection but the debt has been paid and settled. I asked them to please stop contacting me and to remove all negative remarks and they won't.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a 203k fha construction loan with Guaranteed Rate in Illinois and bought the home in XX/XX/2018. it is a construction loan so I interviewed contractors and picked one and Guaranteed Rate assured me that they would do a thorough background check before they approved him. They approved the contractor and I gave him {$20000.00} dollars of my own money to start the work. The contractor then destroyed the home and took off with my money. When I asked Guaranteed Rate how he passed the background check, they told me all they ask is for 3 reference letters!!! 
I have continually interviewed many other contractors to work on my house and now they want double the money I originally had for the construction of the home because of the mess the original contractor made there. 
Since Guaranteed Rate approved the Contractor without a proper background check, I asked Guaranteed Rate to please defer a few payments or lower my mortgage payments just until I could get a new contractor and they have continuously refused! 
I have constantly contacted Guaranteed Rate, dealing with XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. They either don't respond or tell me they will get back to me and never contact me back. I then told them that I would be making complaints with Department of Banking. Today, I find out that they have sold my mortgage to another bank called XXXX XXXX - I found out because I contacted Guaranteed Rate AGAIN and they told me they no longer had my loan. I contacted XXXX XXXX and they advised me my loan is in default because I haven't made payment which is NOT true, my mortgage is up to date!!! 
I have spoken to an attorney and he advised me that after looking at everything, Guaranteed Rate is in fact at fault! They should have done a proper background check and the HUD consultant assigned to my home should have known that the amount the contractor bid would be impossible to do that scope of work. 
This bank has ruined my life!!! I am a XXXX year old single woman who put everything I had into this home and I'm about to lose everything!

Company response to consumer: Closed with explanation