BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They are charging me late fees on a zero balance. 
I tried to pay off the balance but XXXX XXXX hanged up the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
file # XXXX I sent a report for the 5 inquiries to be removed and you guys sent me a letter back verifying the inquiries. According to 15USC 1681 I, its my rights to have a verification of the procedure of the investigation that you did to verify the inquiries in my credit report. Failure of verification i would like to have these 5 inquiries removed immediately or else for each inquiry if no response over 30 days is a {$1000.00} non compliance per violation.

15 USC 1681I i have the rights of the summary of the description of the reinvestigation in detail which i should have the sources, file and the report recipient. 
Failure of the summary of the description of the reinvestigation will be a Non compliance judgement of {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge

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 2020-05-19
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 is failing to review and/or research any of my dispute letters. I have attached three ( 3 ) recent letters sent to Equifax and it appears as though these letters have never been investigated. I have not received any communication from Equifax regarding the status of my dispute letters. It is very disappointing that Equifax is not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from Equifax still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

I respectfully request that the ( 3 ) letters I have attached be reviewed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX , XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX  (Original Creditor: 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 2021-03-28
Company: Colony Brands, 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 status incorrect

Complaint:
They are reporting late payment this past year when I called and explained that the family had XXXX they said they would not report late and the payment was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Ability Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was on my report years ago. I filed a dispute and it was taken off my report now after mysteriously after 3 years its back on my report. I asked several times for them to remove it because of it was a fraudulent and I asked them to send me a validation of the debt and they said they didnt have to send me anything by law.

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 2023-06-09
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:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a valid unemployment claim under California EDD and entitled to receive unemployment benefits as an XXXX  XXXX under Pandemic Unemployment Assistance provisions of the CARES ACT. 

I have called BOA, and Bank of America says my claim is fraudulent because XXXX XXXX are not allowed to collect unemployment that is why they have debited my EDD debit card for {$16000.00} which is the total that they have paid me so far. 

California EDD department investigated my claim and has verified my Identification and has approved my unemployment claim. 

State of California is direct depositing my unemployment benefit money into my BOA EDD debit card, but BOA is keeping my unemployment benefit money and prohibiting me from withdrawing my benefits because they have taken the position that my EDD claim is fraudulent, even though EDD has investigated and found my claim to be valid. 

3 times I have called XXXX and was transferred to the claims department in order to file a dispute, and then I have been put on hold for about 3 hours each time. 

I am requesting Bank of America to give me credit on my EDD debit card for {$16000.00} as soon as possible.

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 2020-10-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current address.

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 2019-10-31
Company: WELLS FARGO & COMPANY
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/19 I was alerted to potential fraudulent charges on my Wells Fargo checking account by Wells Fargos fraud alert system. Upon communicating with Wells Fargo, it was determined that approximately {$4000.00} in fraudulent transactions had been made on my Wells Fargo debit card and a fraud claim was filed. Less than a week later, Wells Fargo has denied my fraud claim and refuses to disclose why.

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 2017-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I contacted XXXX XXXX and was told to call Well fargo to gain online access..they both said I have to wait for the bill ... NONE ARRIVED .... 
I called Wells Fargo again and they told me they sent it and I had a past due amount ... I asked if they had the correct mailing address.. 
( THEY DID NOT ) .... 
they fixed it ..took a payment over the phone and I was told there would be no late fee as it was there fault for the wrong address ... ( she even showed it was returned : ( ( ) The bill shows up today ( X/XX/17 ) that says I owe XXXX on XXXX XXXX 
i attempted to set up on line access with the Number on the invoice ... 
No problem : ) When I call Wells fargo they say they can not setup my online payment account until I pay the LATE fee from XXXX : ( XXXX bucks .... seems WRONG!!!

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 2019-09-21
Company: JPMORGAN CHASE & CO.
State: MA
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:
XX/XX/XXXX {$27000.00} XXXX XXXX  XX/XX/XXXX {$330.00} XXXX   XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX   XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX  Fraud Charges made on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a prepaid card with and by American Express bluebird card. On XXXX 2020 I go to access my account and access is denied I had my last deposit at XXXX XXXX  on the XXXX of XXXX. I requested a email for a password undated because I was assuming that was the problem after no email. I called the customer service number and as soon as I push the number 2 I hear a message your account is permanently suspended and then I'm disconnected. After going through another account I was told it was nothing I could do to get my funds. But they was able to get my information and see my account. I ask why wasnt i emailed before hand if there was a problem. Everytime I call I received a email saying something about a section 22 and I could write the department about the issue. I have Bill 's to pay. No warning no communication about how I can get my funds. I would like to get my funds and close the account. I was not aware of any section 22 agreement and I was not warned or communicated with like a customer about anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX REPORTED : XX/XX/XXXX ( 30 DAYS PAST DUE ) XX/XX/XXXX ( 60 DAYS PAST DUE ) XX/XX/XXXX ( 90 DAYS PAST DUE )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
New new hard inquiry on my credit report without my knowledge. I had recently notice a fraud on my report and this is another instance that I was notified

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 2020-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I CALLED XXXX, XXXX AND EQUIFAX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: PA
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:
Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried online and in writing to remove fraud alert and XXXX, Equifax and XXXX will not remove them. Im unable to obtain certain security government clearance for jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Resurgent Capital Services L.P.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, Experian and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.

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 2020-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to resolve all my errors and inaccuracies with the credit bureaus such as Equifax, XXXX and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: MI
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/2020 a payment was processed for a fraudulent order for {$130.00} through XXXX XXXX which debited my checking account I contacted XXXX XXXX immediately to show that the order was fraudulent by a seller impersonating a tool representative for the XXXX brand. 

XXXX XXXX responded that I can try to contact the seller to reverse the payment or contact my bank. 

The seller after committing fraud obviously disappeared and became unresponsive. 

I submitted a fraud investigation with chase bank on XX/XX/XXXX. Chase has been entirely unresponsive since, until they sent a response on XX/XX/XXXX with no details, saying they investigated the charge and consider the claim valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been getting creditors calling my cell phone for someone I have never met. After researching his name and my phone number, I found several websites posting it as his contact number. I called one such site, who informed me the source was Experians records. Apparently one or more of his creditors has my cell number listed as being his. I am willing to believe this is a typo or mixed file, as opposed to deliberate fraud, but it still needs to be corrected. 

I wrote a letter to Experian, explaining the inaccuracy in their records, and asking that they remove any occurrences of my phone number on this strangers credit report. The letter I received in reply did not address my issue properly, as it 1 ) stated that number is not on my credit report, and 2 ) instructed me to contact the creditor directly. The problems with their reply are 1 ) the error is not on my credit report, but this other persons report, and 2 ) since I can not view the full credit report of a stranger, I have no way of knowing the creditors identity. XXXX Report # XXXX, dated XX/XX/21. ) I tried calling to address this, but was flatly informed that they could not alter another persons credit report. I asked her to transfer me to someone who could correct their faulty records, and she insisted no one could help me with this. I demanded a supervisor, and she took my info. to have one call me back. That was 10 hours ago, still waiting on their call. 

I am not asking to see this persons credit report, nor am I asking the name of their creditor. I am simply asking someone at Experian open that file and remove my personal information from this other persons report. Complete strangers are calling my cell phone, looking for this other person, solely because Experian has this inaccuracy in their records, and this company seems content to leave the error in place, even after being informed of the error. For the record, I called them from the phone number in question, so it is definitely mine, not his.

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