BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
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: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau XXXX  , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any. This is very exhausting, CFPB please step up and remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed

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 2021-04-09
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Ability Recovery Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ability Recovery Services LLC is continually tarnishing my credit by reporting a " collection '' account to the credit bureaus which causes me adverse negative actions.

Ability Recovery Services LLC is attempting to collect a debt for XXXX XXXX from a name similar to my own. 

I have submitted FTC Identity Theft Affidavits to the CRAs years ago and they deleted the fraudulent Ability Recovery Services LLC collection back in the year XXXX. 

I have called Ability Recovery Services LLC back in XX/XX/XXXX and told them that I never done any business with the original creditor, never signed any contract. I also informed the debt collector that the debtor 's name is misspelled or similar to my name. 

It is now XX/XX/XXXX, Ability Recovery Services LLC has again continued to tarnish my credit by reporting a collection account to my XXXX  credit report with a {$1800.00} balance. 

Despite telling Ability Recovery Services LLC that this is a fraudulent account and despite having to waste my time getting the credit bureaus to remove this information, Ability Recovery Services LLC continues to harass me, tarnish my credit report negatively impacting my life and forces me to waste my precious time making complaints to the CFPB, calling the credit bureaus, faxing information to the credit burueas, ect.

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 2017-09-15
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants is attempting to collect a debt from XXXX in the amount of {$2100.00}. I have received no documentation that I owe this debt and even if I did, the debt is listed as " opened in XXXX ''. I have had XXXX since XXXX. It appears that this company has reaged the debt in violation of FCRA. 


DIVERSIFIED CONSULTANTS Account number XXXX Recent balance {$2100.00} as of XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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 belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX 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 2021-04-09
Company: ERC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed a collection notice from ERC on behalf of XXXX XXXX XXXX for {$2900.00}, this is incorrect and I would like it disputed. I disputed the same issues with another company in the past and it was removed. ERC has not been helpful in removing this or verifying any details to prove that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I submitted credit freeze requests to XXXX XXXX, XXXX, and Equifax on line. Today XX/XX/XXXX I received by US MAIL my proof of request for a credit freeze from XXXX XXXX and XXXX including my personal identification number and or pin and well as contact number for modification of the freeze. I checked our band and the state fees were deducted from our account from XXXX XXXX and XXXX 

The complaint I have is with Equifax. I placed all these requests the same day. The online Equifax web site took our credit card information to charge our account for the appropriate state fee. The site stated it would display a one time PDF for viewing and Printing. I wrote the number and confirmation number down but WE DO NOT OWN A PRINTER!! I have been checking our bank daily since placing the freeze request with Equifax but nothing has been debited from our account. I have NO PROOF THEY FOLLOWED THRU WITH MY REQUEST FOR A CREDIT FREEZE. I DO NOT OWN A PRINTER AND COULD NOT PRINT THE PDF. I have tried multiple times to reach Equifax by phone to verify they did their job in protecting me by applying my request for a credit freeze on my behalf but to no avail. I have tried to reach Equifax online to explain their error in assuming everyone can print the PDF but I can find no location on their web site to notify them of such. PERSONS WITHOUT A PRINTER ARE BEING PLACED AT RISK as EQUIFAX is NOT providing proof of their placing credit freezes on those who requested them. EQUIFAX IS DISCRIMINATING THOSE WHO CAN NOT AFFORD A PRINTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I received a refund from XXXX XXXX with two separate transactions of {$20.00} and {$32.00}. However, the XXXX Fraud Department declined the two refund transaction indicating that there was fraud on the account. Therefore, I reached out to the Fraud Department and Representative XXXX removed the hold on my debit card and stated the funds should reverse back onto my account. However, I do not see them as pending refunds of a total of {$53.00}. 

In addition, I processed two returns of the same transaction for XXXX XXXX for {$16.00}. However, I also do not see this transaction processed as a return either. And I was also promised a {$200.00} Cash Bonus with a first direct deposit of {$500.00} or more before XX/XX/2020. XXXX XXXX told me that I should expect to receive my bonus within two weeks of the first direct deposit. However, I still have not received my {$200.00} cash bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: SC
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 called the XXXX credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX XXXXXXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: SYNCHRONY FINANCIAL
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
We hired a contractor to reroof our house - the job was satisfactorily completed on XX/XX/2018. On XX/XX/2018, a loan was negotiated with a Florida bank at 0 % interest if repaid in 18 months. On XX/XX/2018 the bank issued a payment invoice : payment was due by XX/XX/XXXX, with a minimum payment of {$280.00}. Our check for {$700.00} was written on XX/XX/2018, and paid as an electronic check on XX/XX/2018. Meanwhile, the contractor notified us that they had not been paid the {$11000.00} on which we were making loan payments. In a telephone call, the bank said that the contractor 's account was " under review '' and might not be paid for up to 180 days. The bank insists that we must continue to make at least minimum payments or be in default, whether or not the {$11000.00} is disbursed to the contractor. 

In what galaxy is it legal for a bank to demand and collect repayment on a loan it has not disbursed?

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 2020-10-27
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX locked my card and will not unlock it advising me that I need to send in proof of who I am when I have already done that with the local government! Who do they think they are to lock someones money up its been a month Ive sent in information and still my card is locked. My card has thousands of dollars on it!

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 2021-10-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have written to Equifax three times. In reference to items on my credit report. They have not responded or investigated my issues with the information they are reporting. 
First letter mailed XX/XX/2021 Second Letter mailed XX/XX/2021 Third Letter mailed XX/XX/2021 I have attached every letter sent to them with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
second time writing in. first " Resolution '' was garbage. i am done with this company unless an until this is handled right. i been here 25 years no cards being used til this is resolved right. it has not been. they say they stand behind you nothing is further from the truth. i bought tickets to a show XXXX  XXXX XXXX due to a security issue i missed the entire show. not my problem. i keep callling aAm ex who says they back you up and they keep telling me they should be able to help me at least get a credit from XXXX and it keeps as a matter of bureacracy getting closed. they keep submitting thei refund policy which in this case resolves nothing. It is not my fault i missed the show and there can be no proof from XXXX that there was not a security issue at the theater there was. This falls way short of what Am ex promises they have lost my business. this is not right. i want at moinimum a credit from XXXX and to be backed by Am ex who promises this in their marketing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened a Chase Savings account following a promotion where I can get a {$200.00} bonus if the following criteria are met : ( 1 ) Open a new Chase Savings account ( which I have never done before ), ( 2 ) Deposit a total of {$15000.00} by XX/XX/2020, and ( 3 ) Maintain that balance for 90 days. If I meet all three, it was advertised that I would be rewarded with my bonus within 10 business days. 90 days from my initial deposit would have been XX/XX/XXXX, and 10 business days from then would be XX/XX/XXXX, so I should have already received the bonus. I called a Chase customer service rep on XX/XX/XXXX, and he confirmed that I met the criteria and should be receiving it on XX/XX/XXXX. It is now XX/XX/XXXX and I still haven't received the bonus. I call Chase customer service again, and another rep, XXXX XXXX, also said that I met the criteria and wasn't sure why I haven't received the bonus. After waiting for XXXX to discuss with his internal team, he said I met all the criteria except the " Deposit a total of {$15000.00} by XX/XX/2020 '' because I transferred money from another account which doesn't fall under their definition of deposit. If you look at my attachment where I include the offer email, there is nothing disclosed about how " deposit '' is defined. Not a note at the bottom of the email, nothing. It is ridiculous to mislead a Chase customer, and not disclose in the email of the offer containing criteria that there are specific technicalities in the word " deposit '' that I would've otherwise not known when I opened my Chase Savings account following what was advertised in the offer. The fact that TWO of Chase 's customer service reps also believed I met the criteria ( and the fact that it wasn't until XXXX escalated the issue that he was also aware of the technicalities ) is unacceptable if Chase wants to demonstrate trustworthiness with their customers. Unless I am properly compensated with the intended bonus amount, the false pretenses of the Chase bonus email is enough for me to not want to continue with Chase bank in the long term.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision. Wells fargo In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision.

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 2019-02-26
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I didnt open up or take out a loan in 2018. The year and dates are wrong this account is more than 5 yrs  old and I didnt borrow {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
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 status incorrect

Complaint:
I have disputed the account XXXX XXXX   XXXX on my credit report for months, I asked for evidence proving that the account is accurately reported under my name..Equifax failed to send me, that tells me they did not verify this account. Please CFPB help me out here and reverse the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Middle Georgia Management Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX of XXXX County charged me late fees that ran up to {$180.00} after the loanw as paid off, it is now reporting on my credit. I only ahd {$20.00} in fees left I paid off all three loans. I want this off of my credit, the loanw as paid off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My client, XXXX XXXX XXXX sent me a {$38000.00} wire transfer into Wells Fargo Bank on XXXX XX/XX/2015. Wells Fargo claims they made a mistake and wire transferred my funds to XXXX XXXX XXXX. Wells Fargo banker XXXX was fired in the XXXX, Georgia branch for opening up unauthorized accounts. XXXX XXXX XXXX is claiming ( verbally ) that they never received the funds - - - I need them to put that in wiring and on signed letterhead and Wells Fargo says they will refund my money. 

Wells Fargo should refund my {$38000.00}. 

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