BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX refused to provide me their MOV ( Method of Verification ) for three derogatory items listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: AES/PHEAA
State: MO
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:
MY STUDENT LOANS WERE CONSOLIDATED IN XXXX BY XXXX. FEDSTUDENT LOANS RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXX. I AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. FEDLOAN IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: AL
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 several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY 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 2020-07-23
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-07-23
Company: EQUIFAX, INC.
State: NY
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/XXXX, I put in withdrawal to get money from my XXXX XXXX 401K retirement account. I filled out the paperwork and XXXX XXXX stated the money should be in my Chase checking account within 2-3 business days. When 5 days passed and I did not see the money in the account, I contacted XXXX XXXX and they stated the money had been send via ACH to Chase on XX/XX/XXXX. They stated that I needed to contact Chase because they had the confirmation detail that stated the money was accepted by Chase. When I contacted Chase they stated the money was never send over. We then later realized that the account number on the XXXX XXXX from was missing a digit therefore, Chase went ahead and credited the ACH for {$2800.00} into the incorrect account number despite the Payee information provided. Such as my name, SS Number etc. When we realized what happened, XXXX XXXX submitted a recall request and was unsuccessful because the Owner of the incorrect account withdrew the money out of the account and put the account into nonsufficient funds. XXXX XXXX 's supervisor and I contacted Chase together and let them know that we were trying to recall the money and we were unsuccessful. Chase then asked XXXX XXXX to fill - Reclamation form electronically again. XXXX XXXX did and again, the recall request was again unsuccessful due to nonsufficient funds in the receiving account. XXXX XXXX contacted me and I then contacted Chase again to follow up and speak to someone. Today, XX/XX/XXXX, after over a month of trying to get this resolved, contacting supervisors, Fraud department, ACH departments, etc., they are stating they are sorry but they are under no obligation to verify any account information to ensure they correct account is credited when they receive a ACH and there is absolutely nothing they can or will do. Please help, I find it totally bazaar that Chase hold no responsibility for depositing money in a incorrect account when none of the ACH details ( such as my name, etc. ) match the receiving account. I attached all the document I have. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid my XXXX credit card bill via online from my XXXX account that I had sent before with no issues. XXXX ( whose payments are processed through Comenity Bank ) said they never received it. I have been reaching out to both XXXX and Comenity Bank who have repeatedly sent me back and forth to each other. I spoke to someone from XX/XX/XXXX when I received a bill from them saying that a payment was never received for the XX/XX/XXXX payment. I have proof from my personal account showing the payment was sent and received electronically from them. I 've spoken to several representatives between both of them. Some of the names are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and several letters from the customer care team. This is frustrating and I 've been really patient up to now. My credit score has taken a nosedive ( XXXX points and counting ), and my latest statement from XXXX XXXX is now {$330.00} which is all fees plus the {$98.00} they claim they never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Male called my phone to collect a debt that is not mine. Threatening over the phone, saying that I am a primary on an account. I asked for him to not call me back and that it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
the following account on my credit have been reporting the wrong amount and is incorrect on my credit report causing me not to be able to get anything with me credit, and the amounts are wrong on this account. The account was removed off my report then added back at random dropping my credit score XXXX points attached is my credit report with the account removed and a screen shot of the account re added to my report dropping my score XXXX points

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 2020-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a copy of my XXXX XXXX XXXX record and I have found several inaccuracies in the report, and my consumer ID number is XXXX. 

The following information is inaccurate : USAA Account # XXXX marked as fraud USAA Account # XXXX marked as fraud In detail, you recorded that I had non-sufficient funds/checking account fraud with USAA on or around XX/XX/2018. I am disputing this record because it is inaccurate due to identity theft. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litagtion due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Capital one claims although my sister stole my purse with all my forms of identification along with cell phone and car while I was at work that I am still responsible for her using two capital one cards and maxing them out on purchases of gift cards that she could sale on street fro XXXX. Someone has to help me more than just report it demand them to help me this in itself is robbery. Please I have suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The reported collection account is incomplete. There are a lot of missing information to tie the account on me. Missing Monthly Payment, No. of Months or Terms, High Credit, Credit Limit, Past Due and date of last payment. The payment remarks are missing too.

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 2022-08-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My original debt was sold to third party company ( XXXX  ) XXXX XXXX XXXX, it was paid off in as required by the company on XX/XX/2021 for the full amount. Acct number # XXXX reflecting on XXXX, XXXX and XXXX XXXX I wish this account to be removed off of my credit report from all 3 bureaus as it violates my privacy rights as per 15. U.S.C1681 section 602 A. As per 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. I also have proof of payments made to the company which has been sent to all parties before this complaint is being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: RI
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:
Please remove the accounts from my credit report..The accounts are showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions XXXX XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX

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 2019-02-14
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 recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.

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 2019-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Account was closed by USAA for no reason and was not even giving a cause for being closed. Had been approved for a XXXX XXXX with them and had opened a savings account and a Mutal fund and all were shut down without cause. The only reason I was given was there was so flaws with my application and something did not match up which I provided them with all the requested information. I plan on filing a lawsuit with USAA if they do not resolve my concerns this is not how you treat a customer. You cant accuse or close someone account without giving them a reason and the reason I was giving had nothing to do with me, because I selected a car dealership which I did not know had issues with usaa they should not have closed my account. I'm so upset about this and I will file a lawsuit because this is not right nor is it fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CATHAY BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In its response to my complaint, CFPB case number XXXX, the complained company made egregious false statements about being lawful in its dealings with me, and about it has obtained successful court rulings. They were absolutely untrue, and were calculatedly and shamelessly made to deceive CFPB and to avoid responsibilities for complained frauds and abuses. The company has also been completely lawlessness in its acts to subvert justice in courts. Its representing attorneys took advantage of my being unrepresented and brutally bellied me to intimidate me from pursuing justice in court. The company believes that it could get away from malicious cruel abuse of me, a XXXX years old customer who had been its loyal and perfect customers for four decades, and had done no wrongs to deserve being robbed of my paid off home..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX  for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

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 2017-12-19
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I have this account for the past 7 years and have never missed a payment. I am XXXX years old and have to be ultra careful. During that period of time I notified US bank of the corona virus and there had to have been some reason why they did not do anything to answer my letter explaining my situation. Never heard back from them!!!!! 

In addition, my current address is not correct. It should be : XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX  XXXX. The address on file is absent the XXXX ... ... ... ... ... ... 

My understanding was there policy during the CV that they will take into consideration the period of time in the early months of this year ... ... ... ... ... ... ... ... .. 

I am asking them to eliminate the late fee 's and to remove the late payments from my credit report

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 2019-10-22
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS THE SECOND TIME THIS COMPANY " ENHANCED RECOVERY COMPANY '' HAS SHOWN UP ON MY CREDIT REPORT. IT HAS BEEN DISPUTED IN THE PAST, AND REMOVED, AND NOW ITS BACK! I DON'T OWE THIS DEBT! I HAVE NEVER HAD A XXXX BILL IN MY NAME! NEVER WILL! I DON'T EVEN LIKE THE COMPANY! I'VE BEEN TECHNICALLY HOMELESS FOR THE LAST 3 YEARS! THERE'S NO WAY I OPENED AN ACCOUNT WITH THIS COMPANY! ATTACHED TO THIS COMPLAIN, IS A COPY OF A UTILITY BILL THAT SHOWS MY CURRENT ADDRESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation