BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: TX
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:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are  items I wish to dispute on my credit report : XXXX XXXX   XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX  XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CO
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I provided a mechanic with my credit card details in order to release my vehicle. The vehicle had been housed for one night, with minimal diagnostics done and estimates given or billable repairs authorized. He charged my card {$1000.00}. I filed a police report immediately, reported the charge as fraudulent, and have been disputing for 10 months. After escalating the dispute as far as possible, I received a letter from the Chase executive office today saying they had " thoroughly '' investigated, and based on materials I'd provided ( they never requested any materials from me, though I made numerous attempts to provide them with documents ) they still found the charge to be valid and would not be investigating any further. 

They have allowed fraud and crime to occur without any justification for why they'd do so, and have illegally withheld my funds for the better part of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX Balance {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX of XXXX : XXXX ; XXXX XXXX  XXXX ; XXXX XX/XX/2022.

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 2017-12-23
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. 

This is not fair business practice!

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 2023-09-29
Company: SBG Financial
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan for business capital. Only documents I received were signature pages. Text correspondence ( that I still have ) confirmed that I could pay loan off with interest forgiven. Was told the interest was high, but would be lowered " way down '' by an early payoff. 
Tried to get payoff quote today and was informed it would take XXXX on a XXXX dollar loan to pay it off. I was grossly mislead by a third party securing this business loan.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/XXXX, I made an online payment of {$45.00} to the " XXXX XXXX XXXX '' ( The XXXX ) for club fees. 
After pressing the " Submit '' button, the website crashed. 

My card shows the transaction and posted it. The XXXX has no records of my payment on their system and my membership was not established - because they have no payment on record. 

I have immediately submitted a dispute about the transaction with Bank of America.

The transaction is STILL posted on my account and Bank of America is UNRESPONSIVE. I am a " Platinum Tier '' customer with them and as a result of their poor service, lack of responsiveness and as a matter of principle, I am in the process of transferring my business to a different bank.

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 monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2018-07-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was turned down for an " easy pay '' plan with a large company, and I found out hat it was because Equifax turned me down when the company sent Equifax my name. I got a copy of my Equifax credit report. My credit history with them looked fine BUT my " personal information '' had some problems and therefore, they ( apparently ) could not confirm my identity for the large company. Here are the problems : ( a ) The employer listed as my current employer is a company I worked for from XX/XX/XXXX-XX/XX/XXXX! Equifax HAS fixed that. ( b ) Equifax has the wrong birth-date for me ; they are off by one month. To correct that, they say I need to send them a copy of my Social Security card *and* my driver 's license. I told them that I refuse to do that. ( I was talking to a woman in the XXXX ). I will not send copies of those sensitive documents to correct an error made by Equifax, which has had a huge data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently make {$75000.00} per year before tax. I have {$88000.00} in Federal Student Loan debt and {$72000.00} in Private Student Loan with Navient and just over {$10000.00} with XXXX XXXX. This was to obtain a XXXX XXXX in XXXX. While I am in the industry that I went to school for between student loans and other housing cost I have no savings and a little over {$75.00} saved for retirement. I have filed bankruptcy once and have no form or way to consolidate my loans due to credit score and amount. I am making monthly payments on due dates or just after. 

There was never a cap. I could just keep borrowing and borrowing and borrowing. They never said XXXX stop you will not be able to afford this after school. I just allowed the rich to get richer my student loans are my future and I have no way to pay for anything else. Whether this is my fault, the schools fault or the the lenders fault something needs to be done. This can not continue to happen to other students. 

I call at least every other month asking for lower payments, forgiveness, something that will help me save.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was Issued PayPal cash MasterCard with funds of {$230.00} deposited on XX/XX/XXXX. They gather all kinds of information, and l did link to my XXXX credit card for backup. I purchased petfood items on XX/XX/XXXX for {$160.00} and PayPal reverted to XXXX card (? why did they not take funds from PayPal ). Next few purchases were taken from PayPal balance and the final one was also for petfood with some of the bill charged to XXXX and some funds taken from PayPal. I calculate there is {$25.00} left on PayPal card but they report XXXX balance. I disputed and even appealed my case and of course they just respond - case found not in my favor. Then I accessed an online help rep who told me that I could view a " running log '' of PayPal card balance - nowhere is it found. I am contesting their egregious fees and their lack of transparency- my PayPal activity summary NOWHERE shows any " fees '' and my purchases from PayPal balance add up to {$200.00} NOT {$230.00}. I have received NO Explanation why XXXX card was used for the first purchase and what these XXXX credit card transactions cost me additionally. I can send you their activity summary and schedule of fees. Of course with Covid-19 you can not directly speak with anyone and their complaints menu online does not cover fees as an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I contacted chase regarding a refi and cash out of equity. 

I signed the documents and waited for the next steps. ( see attachment EmailstoChaseLoanOfficer ) I continued to plead to Chase to return my {$500.00} because a chase partner antagonized me and with in insinuation disrespected me. additionally, Their appraiser decided to cancel the appointment under 2 hours of when I was expecting him because I refuse to answer questions ahead of time. A week had lapsed and no one from Chase reached out to me. 
I spoke to someone in escalation and they also stated that I would not get the {$500.00} returned. 

Pressing to have money returned I was told to write to the Executive Office and make reference to XXXX. I wrote the letter and opted to fax it instead of mailing it fearing it would get lost in the ongoing Covid19 Pandemic ( and just about everyone is working from home and the wait times are literally hours to speak with someone ). 

However, the fax number given by a Chase representative XXXX was not a fax number and as a result my letter to Chase was not sent. I just could not deal with the frustration. I am an essential worker and have to report to work daily, not working from home - everything I had experience up tp this point was just too much and it continues to be too much. Before all the unrest across the world, I made it known to Chase of the disrespect that minority neighborhoods continue to experience but we continue to be lost in unfair practices. 

attached is my initial correspondence explaining to Mr. XXXX what transpired between myself and the no show appraiser.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: SYNCHRONY FINANCIAL
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My daughter purchased a pool back in XX/XX/2020. The purchase price was {$150.00} from a company in XXXX. It was suppose to come with a pool, pool cover, and pool pump. What they sent was just a pool and a vacuum pump. I tried filing a dispute with Paypal on XX/XX/XXXX and today, XX/XX/XXXX they told me that the seller is willing to send me a full refund, but I have to mail the pool back to XXXX and pay for shipping. The shipping cost is around {$110.00}, which means that I'm only getting a refund of {$41.00}. Paypal said there is nothing they can do about the cost of the shipping. How is that right? I have no problem sending back the pool, but to pay for the cost of shipping, that is ridiculous! 

Transaction ID # XXXX Invoice ID # XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX limited Merchant email : XXXX Case ID : XXXX Transaction amount {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed these fraudulent accounts with the credit bureaus and have provided filed police reports to show evidence of fraud, but the bureaus keep verifying the accounts. 

I demand a proper investigation to the supporting evidence and demand an immediate deletion. 

TransUnion has exceeded 45 days in providing a dispute response.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-09-18
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief