BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: DE
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ever since I opened Chase Prime credit card I have been having issues with them attaching someone else 's checking account to pay my bills. I have NEVER given them written, oral, or electronic permission to access someone else 's account to pay my bills. I have complained about this numerous times and walked through correcting it over the phone with their customer service department beginning in XX/XX/2018 and it continues to be an issue. My XXXX bill was paid by another checking account instead of mine. I called in and asked them to immediately reverse it and charge mine instead. They can not get this corrected and the bill remains unpaid. They have completely ignored my complaints, charged me interest and fees, and won't address this problem with their IT department. Now they have frozen my card. I WANT TO pay my bill, but they won't fix the problem that is preventing to be paid. They are in denial that they have an IT issue, so instead of fixing it they just erase or they don't record my calls!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A bank officer from U.S. Bank ( XXXX XXXX ) merchant banking in XXXX XXXX XXXX XXXX contacted me over 6 months ago. He was persistent in getting me signed up for the credit card processing with their partner XXXX. XXXX told me that if I sign up I would receive {$1000.00} in my business checking account within 2 months or so. I did sign up with their ( U.S. Bank ) credit card processing system managed by XXXX. It has been over 6 months and XXXX XXXX has been stringing me and others along with misrepresentation and deceptive practice of signing up U.S. Bank customers for credit card processing with a false promise of {$1000.00} reward in deposit in checking. 
I have all proof of his texts, etc.. This deceptive and unethical practice must be stopped and a penalty must be provided to me and your agency for misrepresentation and deceptive practices by a U.S. Bank employee.

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 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX & XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$640.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had been paying my monthly due on time. There should not be a Late PaymenXXXX status appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A dispute was filed with Comenity Bank over the phone regarding a purchase made on XXXX, the amount of {$1500.00}, a Mens bracelet, Item was refused via XXXX, received back by merchant on XXXX, XXXX tracking info attached to this complaint as well as transaction detail.. For whatever reason, merchant has not refunded to date. Dispute was filed several days ago, nothing done in re thus far as far as I know.. The account in question with Jared/Comenity Bank XXXX XXXX XXXX. Please see attached transaction detail as well as XXXX tracking info showing return..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16
Company: Ditech Financial LLC
State: WA
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:
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by DITECH the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over DITECH proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently DITECH applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to DITECH & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, XXXX STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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: Investigation took more than 30 days

Complaint:
I have an issue with a collection account on my XXXX credit report. I have contacted the collection called Professional Bureau of Collection of  Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted XXXX XXXX and spent over an hour on the phone with being transferred three times to three different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with XXXX XXXX led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt XXXX XXXX to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is XXXX, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive been working on improving my credit for months now, and I responded to an opportunity by a credit bureau to get a new card. It said that it would NOT have any effect on my credit, but it DROPPED XXXX points immediately and Im furious. Just yesterday, I was notified that it climbed by XXXX points. After this today, it dropped XXXX and I want to know why. If it can be reversed, Ill take it. Ive done without cards for 9 years, I can continue. I want good credit. I feel like Ive been screwed. Call me or e-mail me with explanations. XXXX 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 2018-11-13
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two XXXX XXXX XXXX accounts appeared in my name that I never knew about the same time I made a fraud report and sent them to the company, even after a year they still bother me because they sell the account to a and another collection company and I do not know what to do, I sent several disputes with the relevant documents and nothing is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX : XXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at around XXXX, XXXX XXXX was on a call with what he now knows is a scammer named XXXX, from XXXX. We were trying to buy XXXX tickets and he claimed to be a season ticket holder. He provided us with proof of his account with the name XXXX from XXXX that proved he was a seasons ticket holder. We can provide the picture that was sent to us during the 20 minute call. We sent a payment to their XXXX account with the name registered as XXXX and the phone number as XXXX. The total we sent was {$700.00} and XXXX claimed not to receive it, in order to have us send another payment. At that point I knew it was a scam. We reported it to XXXX and Chase the very next morning when we discovered that the whole thing was a scam. We placed a claim, with the two mentioned corporations, and neither could place any red flag on this XXXX registered account SCAMMER. The scammer XXXX, is taking money from people as we write this. We have a group of friends that are contacting their same number XXXX XXXX XXXX XXXX on XXXX, PRETENDING to be potential bait for XXXX. Chase and XXXX are not able to do anything about stopping the registered scammer and someone needs to stop them. Please help us stop this scammer that is still out scamming. We sent three XXXX requests for the {$700.00} to be paid back to us. Two were declined and one is still pending, yet we hope to get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Report Act, this creditor, XXXX XXXX  has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion, please delete my CLOSED credit cards on file, XXXX. XXXXXXXX XXXX XXXX reported on XX/XX/2022 XXXX. XXXX XXXX - reported on XX/XX/2022 XXXX. XXXX XXXX Services - reported on XX/XX/2022 My main address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and PLEASE ALSO DELETE XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX {$1700.00} Closed OR : XXXX XXXX XXXX XXXX Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or 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 2017-09-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I had gone into the XXXX branch in XXXX XXXX NY on XX/XX/XXXX. To apply for opening mortgages for six properties in XXXX PA. XXXX XXXX was the mortgage broker I dealt with as well as his branch manager XXXX XXXX and XXXX XXXXd ( it had to be escalated to the VP of XXXX County ). He informed me that after he has all my information and paperwork required, he would run my credit. I said he may only run my credit ONCE. He made two hard inquiries on my credit, one with my knowledge on XX/XX/XXXX and the other without my knowledge on XX/XX/XXXX. All within almost a 30-day period. I had then received 5 commitment letters from XXXX XXXX and the loan processing office in Ohio, on XX/XX/XXXX. Which I signed all 5 letters and sent them back, that day. For some unknown reason, which XXXX XXXX did n't inform me, until the closing of the 4 properties. He stated, '' Lets close on these 4 properties, then we will close on the last one after ''. I asked why and he said, " It makes things easier ''. I complied with his 30 years of experience, he had made a point to tell me in the beginning of the process on XX/XX/XXXX. We only closed on 4 properties which took 5 months to close on. He never reached out to me to close on the 5 properties. I had to escalate it to the VP XXXX XXXX. I tried to explain to XXXX, the situation and sent him an email of my signed commitment letter. We had a few correspondences and he not to worry, we have your credit report on file for 120 days. XXXX got back to me on XX/XX/XXXX, telling me there is nothing he can do, the commitment letter has expired and they must redo my application over. I had him send me that in an email. I have not gone through with the application process again. I do not want to run my credit for the third time. I lost that property too. I have all supporting documents to support what I mentioned today.

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 2023-08-03
Company: EQUIFAX, INC.
State: NC
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 submitted multiple dispute letters on XX/XX/23 and XX/XX/23 to credit first and the credit bureaus regarding inaccurate late payments on my credit first account. The late payments are still on my credit. This account is also reporting inaccurate last payment dates on my credit report which are violations of 15 USC 1681eb that demands all accounts must be accurately reporting at all times. I have attached proof of my letters from XX/XX/23 that I sent out certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a member of Experian 's complete ID program through XXXX. The program was for identity protection and to prevent fraud on my credit cards and to monitor my bank accounts credit cards phone number and other confidential information. Several months ago I decided that I didn't need this service anymore. As soon as I canceled I was continually getting spam messages from Experian, it started to feel like harassment because I was getting so many of these emails and there was no way to stop them. Then within 2 months my identity was stolen and credit card applications were done online with my personal information. I am very suspicious of experian and the possibility that they may have contributed somehow towards this leak of information. Also whomever stole my identity and is doing these fraudulent credit card applications, they somehow know that I have very specific credit card companies that I am currently using because those are the only ones that they applied for additional credit cards. So somehow they obtained access to my credit report likely via Experian. I just decided to reactivate my experian complete ID monitoring because I did not know what else to do. And I am still getting harassing emails from Experian even though I reactivated the service. Experian seems very suspicious and somehow guilty possibly contributing towards somebody obtaining my personal information that was held by 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 2020-06-02
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2020 I deposited XXXX dollars into the US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. I left the branch with my receipt showing the deposit and my current balance at the time. On Monday XX/XX/2020 I went to the same branch I had gone to on Friday to make a rent payment. I was told then that the rent payment of XXXX I was trying to make would overdraw my account. Knowing this wasn't right I checked my account and the branch had failed to credit my account with the deposit. They had no record of the transaction whatsoever. I produced the receipt showing that they had indeed taken the deposit. They admitted their mistake but didn't credit my account and still haven't. They are claiming it will take 5 business days for this to be cleared up. My account is still overdrawn and it catching penalties daily.

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX I have submitted a credit card application on Wells Fargo application on line, Im an existing customer with Wells Fargo having a saving account has more than XXXX and my credit score as per Wells Fargo application is XXXX However my credit application was pending for few seconds then was declined right away. 
My complaint is because my score is good and my credit history is good however I still got denied I called the credit card department and it was like running in a circle with no outcome.

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