BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: IL
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:
between XXXX and XX/XX/2018 after looking at my EQUIFAX credit file I noticed a list errors and accounts not belonging to me.I disputed the accounts and EQUIFAX stated they were removed. Six months XX/XX/2018 later the accounts are still on my file! Please see attachements! EQUIFAX STATED THE ITEMS HAVE BEEN REMOVED! Why are they still showing on my credit file, All items deleted by EQUIFAX but still remains on my credit file! See attachments for proof! 
Personal finance-deleted XX/XX/2018 Personal finance-deleted XX/XX/2018 Bankruptcy-deleted XX/XX/2018 EQUIFAX GUIDELINES STATES IF A ITEM STATES DELETED THEY HAVE REMOVED IT FROM YOUR CREDIT REPORT AND TAKEN STEPS SO IT DOES NOT REAPPEAR! I have highlighted ALL supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint on Capital One bank : I applied for a 360 money market account with Capital One in XX/XX/2018. They were running a {$500.00} checking bonus promotion, and the requirements were to deposit {$50000.00} between XX/XX/2018 and XX/XX/2018. 

I made two deposits of {$25000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX, and so the terms and conditions are met. 

On the terms, it did mention that it may take up to 60 days for the bonus to be deposited into the account. After the 60 days passed, the bonus was not deposited into the account. 

I contacted the bank today ( XX/XX/2018 ) on two separate occasions and received two drastically different responses on how I didn't meet the bonus requirements. Some of the responses even added new terms that didn't exist and contradicted one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I purchased a round trip flight from XXXX, OH to XXXX, XXXX, XXXX. The total cost for two tickets was approximately {$2900.00}. My return flight was scheduled to land in XXXX on XX/XX/2017. However, the airline removed us from the connecting flight from XXXX to XXXX for no reason. We landed on time to make the connection. Then the next flight was delayed since there was no pilot. We did not arrive to XXXX until the next day, XX/XX/2017. I provided documentation to American Express. The merchant provided no documentation regarding terms or conditions as there were no terms to remove passengers from flights or to reschedule landings for a different day. I am requesting {$600.00} credit, {$300.00} for each ticket is more than fair. It took us more than 27 hours for the total trip so we should have not had to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I purchased a car from a dealership that was a lemon. I returned the car made all the payments and XXXX XXXX still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.

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 2020-08-24
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my online banking account in XXXX. I had my Michigan Unemployment Insurance Agency deposits being deposited into that account. They have since frozen my account which has a positive balance of just over XXXX USD. That money in that account is my bill money, that would be some of my unemployment benefits, the PUA benefits from being laid off in XXXX and still haven't got a call back, and the other half of my Economic Impact Payment from the government. I have tried and tried about 20 times including going into different branches and calling the customer service line many many times to get my funds. It has been way too long. All I want is them to issue an ACH to my other bank account for my funds or I can even walk into a branch and pick the money up with my Valid Drivers License. My car insurance is due, I need to buy things for college, I have kids to raise with that money. I feel like they owe me more money for this wait ... .. The only reason they closed my account is because " We don't recognize the deposits coming into your account. '' The deposits are coming from the EIP check I deposited, Michigan UIA, which the deposits come in as UIA- PRE PAID DEBIT- UI BENEFITS or XXXX XXXX , my federal student loan servicer. I would like them to immediately give me my money or the access back to my online account so i can withdraw all funds and close my account with them. I have also emailed the White House and The Federal Reserve about this issue. Please Help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Their investigation did not fix an error on your report

Complaint:
I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I have a problem with Citi bank on the checking account opening promotion. I opened the account in XXXX with the promise of {$500.00} as bonus. And i have met all of their requirements. And they said the bonus will be deposited by XX/XX/2018. But it did not happen. 

I called and they launched an investigation for a month. On XX/XX/2018, they said I was not eligible. I called again. They said they made a mistake and launched a second investigation. And I called both its cooperate customer service, the branch and the online chatting, but all of them just made me wait! 

The customer service representatives said everything looks fine but I was just being put away. 

I had to keep all of my money there for the account to be qualified and I feel they are just dragging the process. And it starts to feel like a spam. 

Could you please help me?

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 2018-12-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.

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 2018-02-26
Company: EQUIFAX, INC.
State: IL
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:
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 Seven identical transactions from my mortgage company XXXX/XXXX. XXXX of the amount {$700.00} were withdrawn from my account resulting in a negative balance of {$1400.00}. This is my primary and only checking account. I currently have XXXX cash readily available for me to take care of daily needs. I contacted Chase Bank at XXXX but was told the Claims department was closed and for me to contact my mortgage company. I contacted my mortgage company at once they opened and was advised that they were aware and that Chase made the request to numerous customers accounts. Hours later still in the negative with no communication from Chase or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXXXXXX XXXX to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.

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 2020-06-04
Company: CHARLES SCHWAB CORPORATION, THE
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My accounts are held at Charles Schwab. My wifes accounts are also held at Charles Schwab in the name of her Trust. My wife was the trustee of her Trust. She died XX/XX/XXXX. I am listed as the successor Trustee of her Trust. I have been trying to gain access to my deceased wifes trust accounts for 3 weeks. I provided them the original death certificate three weeks ago. Please help me gain access to the accounts Schwab has a copy of her Trust and the death certificate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: 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: Their investigation did not fix an error on your report

Complaint:
Equifax has implicitly acknowledged that XXXX Bank made a fraudulent claim of a late payment on my account by stating no evidence of a missed payment and that it is current etc. However, they neglected to remove the false report from my history saying " it will be removed automatically in ten years. '' I will not stand for having my credit score adversely affected for 10 years due to fraud from XXXX XXXX XXXX store card ( XXXX Bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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:
To whom it may concern, I have tried on several occasions to resolve this matter with Experian credit reporting agency, but they have not responded correctly. This is a fraudulent account place on my credit report by XXXX XXXX XXXX. I was only able to submit on dispute request on XX/XX/2020, because the website will not allow another. 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 2020-06-04
Company: Experian Information Solutions Inc.
State: CA
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:
IVE BEEN A VICTIM OF IDENTITY THEFT, THIS DOES NOT BELONG TO ME

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 2020-01-31
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ProCollect listed an account on my credit report on XXXX. I disputed the account since XX/XX/XXXX, they first reported was not paid it was accurate which was incorrect the debt been was paid since XX/XX/XXXX. I spoken to someone from ProCollect stated once its paid the will remove it. I sent evidence of the paid for deletion letter from ProCollect and it was updated just paid in full instead of deletion XX/XX/XXXX. There are conflicting information as what ProCollect is telling XXXX  to what they sent me. I would like the collection to be removed from 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 2021-02-22
Company: EQUIFAX, INC.
State: SC
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:
Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is Equifax, XXXX and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with the Identity Theft Gov concerning these accounts. I have emailed and sent Letters/ Called XXXX  XXXX XXXX XXXX And Experian regarding these accounts and can not get the help removing them ...

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 2020-08-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX I received a debit card from SunTrust. I have never been to a SunTrust or opened an account online. However, I do bank with BB & T, who was bought out by SunTrust so I assumed that as why I got the card. I went to the website listed on the card to activate the card. I was asked for and provided the card information and my SSN. When I wasn't given an option to set a pin number I called the number on the card and was told that it was fraudulent and I needed to submit a claim.

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 2021-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a car from a dealership that was a lemon. I returned the car made all the payments and Capital One still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with the Identity Theft Gov concerning these accounts. I have emailed and sent Letters/ Called EQUIFAX XXXX XXXX XXXX And XXXX regarding these accounts and can not get the help removing them ...

Company response to consumer: Closed with explanation