BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
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:
To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXXXXXX XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an American Express XXXX XXXX. XXXX switched to XXXX XXXX. I mistakenly sent a {$310.00} payment to the Amex account instead of the XXXX account on XX/XX/XXXX. My bank shows that the payment was processed. XXXX is telling me I have to work with Amex to find the payment and they are not allowed to contact Amex regarding customer payments. 

I've made several calls to Amex, approximately 6 calls, spoke with at least 20 different reps and spent more than 5 hours since my first call.. The most recent was last week, XX/XX/XXXX with the Amex Corp Office. Finally someone confirmed they received the payment on XX/XX/XXXX for {$310.00} and asked me how I would like it refunded. I said wired back to the account the payment came from. I gave my ckg acct #, and routing # and the rep told me the money would be in the account in 3-5 business days. Today is the 7th business day and there is no money in my account. I made a call today XX/XX/XXXX and spent 45 minutes on the phone with Amex to be  told they could not find the account because they no longer have access to it. They kept referencing my corporate card account and I repeatedly told them that is not the correct account. I was told by XXXX/amex rep I would hear something back in about a week and it should be resolved in 2 weeks. I have 0 confidence this is the case. XXXX told me to call the number on the back of my card and I again had to tell her I don't have the card because it was closed 2 or more years ago. Then she said. Oh! Right. I forgot that. I hung up the phone feeling aggravated and defeated and know that I will spend more of my life on the phone with Amex because I will have to call them back to again try to resolve this issue. I've got {$310.00} of my money floating around Amex and no one is trying to help me get it back when it's been confirmed they received it. What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX - I received a call from a man named XXXX on behalf of American Express now known as XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX ) XXXX and XXXX. Then the same man called again today XX/XX/XXXX multiple times and I told him that I would reach back to him and that I was on my way to work. He apparently did not listen to me and I have attempted to block him multiple times and he keeps calling me. My mother has had her bank account hacked so if you can understand that a person with a foreign accent calling me about information on my mother, then yes I will be reluctant to disclosing this information to a stranger. 

The person that he was trying to reach was my mother, XXXX. after speaking with my mother, I relayed all the information to her about the calls and she stated that she has currently hired a company to help her consolidate her payments into one. this person asked me for the last 4 of her ssn, and I told him that I will not release that info and then he asked me for the year of her birth. he proceeded to go into great detail about her credit card info and the delinquency of the card. 

I asked him how did he get my phone number and he stated that this info was listed on her account ( TO WHICH IT IS NOT ) she does not list my phone number on her account and no information has been shared except by this man with this company. How this man retrieved my personal cell phone number to reach out to get in touch with my mother. I played along and he fell for all this and then some. 

I did explain to him that he has in fact reached her daughter, XXXX. I clearly told him that my personal info is not listed anywhere on her account what so ever. 

This is not the first time that this person has attempted to contact me and when I told him that I was going to report him and his company for violating a customers rights he didn't know what to say after that. 

I did inform my mother all this info regarding to which she contacted her lawyer and she stated that she has let them know about this violation. 

I clearly told him that my phone number is ON THE NATIONAL DO NOT CALL LIST AND HAS BEEN FOR MANY YEARS. I want to file a formal charge for the harassing phone calls that this man has called on multiple times. I do not answer my phone for strange phone numbers but I had to answer this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After calling Equifax and copying my license and personal information they said it was not enough to prove my identity then they sent me a letter with information to copy and mail back to them. After doing this again, they sent a second letter stating they still did not have enough information and asked me for the same records a third time. All I want is for them to unfreeze my credit and/or let me log back in to do this myself. They wont give me an appropriate link to change my password. They are asking again for a copy of my drivers license and utility bill which I dont have because I dont pay any bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY  CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I placed a temporary lift on the security freezes I had on all 3 credit bureaus in order to apply for a credit card. I had picked a specific date range I wanted the lift to encompass. I received my approval on XX/XX/XXXX for my credit card. On XX/XX/XXXX, I contacted the credit bureaus to have my temporary lift removed and my security freeze reinstated. This was accomplished by 2 of the 3 credit bureaus ( XXXX and XXXX ).  However, after speaking with a representative, Experian advised they could not reinstate my freeze until after the expiration of the date I originally entered on XX/XX/XXXX. Not sure why the other two credit bureaus can accommodate this request but Experian could not, leaving my credit file open to possible misuse.

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 2018-11-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX we established a HELOC with Washington Mutual, for {$55000.00}. We increased this line in XXXX to {$110000.00}. WAMU was subsequently purchased by Chase. In XX/XX/XXXX, we refinanced the HELOC and paid Chase in full. Last month, we were attempting to refinance the new mortgage with our current bank, and the title company determined that a reconveyance was not properly filed by Chase. They filed one for the XXXX original line, but not for the XXXX increase. We are doing this 2nd refinance to free up cash to pay off costly revolving debt, and the delay ( which has been two weeks now ) is costing us hundreds of dollars in additional interest. The main issue here is their response to this issue. We have contacted Chase many times - the title company has called and e-mailed them at least 6 times, and I have called or emailed 10 times ), and we keep getting an apology that they are " diligently working on the issue ''. They also said it takes 7-10 business days to research the issue, and we are now at Day 11. Their incompetence, coupled with the lack of urgency in this matter, has caused substantial stress on our end. I also know that improper reconveyance processing has been a large problem in the industry. Loan number XXXX, payoff XX/XX/XXXX for {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized use of debit card

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 2018-11-15
Company: Franklin Collection Service, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to dispute the debt because I do not know of it. I was able to get it removed from my XXXX, but they will not remove it from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2018, I mailed all required documents and a letter requesting that Protected Consumer Freezes be placed on my XXXX childrens ' social security numbers. We have no reason to believe their credit has been used but want to prevent this from happening. XXXX  and XXXX   mailed letters in XXXX saying that the Freezes had been placed. Equifax mailed 4 letters dated XX/XX/2018, saying they were unable to locate my childrens credit files and generally advising me to mail in the documents I already sent them if I thought my childrens credit has been stolen. I have spent a couple hours on the phone, the last being today XX/XX/18, being bumped or given phones numbers for various departments within Equifax trying to find the correct department without any progress. I am at a loss of what to do next as I feel it was a big security risk to mail all my childrens identifying information at one time to begin with, and then Equifax can not find these documents and are suggesting that I resend them. No one at Equifax seems to know anything. Can you help? This shouldnt be hard to protect my childrens credit with a company the Government makes me beholden to. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
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:
XX/XX/2018 Notified Union Bank about fraudulent activity over the phone. They put a stop in all outgoing transactions. Said that they have filed a claim which they didnt. Advised to visit a banking center to open a new account and close the one with fraudulent activity. 
XX/XX/2018 Opened new account and closed old one. No advise on claim for fraudulent charges was provided. 
XX/XX/2018 Called phone customer service only to realize no claim was opened. 
XX/XX/2018 Back and forth between phone cust service and XXXX XXXX Branch office. Manager advised writing a letter with information about fraudulent transactions which was done and she promised to follow up. 
XX/XX/2018 Email confirming that they sent the claim to the right department and they received it. 
XX/XX/2018 Called phone customer service to ask about claim. They say there is no claim filed as yet. 
There is no clear correspondence that claim is open, so decided to engage CFPB for assistance as we have lost {$8100.00} which is huge hard earned money.

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 2018-10-05
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was given a loan on a bad car in the amount of {$21000.00} on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to find out my remaining balance, a woman on the phone told me {$8000.00}. I subtracted that from the loan amount to find that I already paid {$13000.00}. It was refused as a trade in at XXXX XXXX in XXXX because the car valued at {$1200.00}. I pay biweekly at XXXX XXXX so in a regular month that's about {$400.00}, but there are several months I get paid 3 times so that's about {$600.00}. I never missed or was late with a payment on anything especially this car loan. I paid all repairs out of pocket because I was too scared to go back to them. I found out in XX/XX/XXXX this year that they are being sued for predatory lending. The car valued at less that {$4000.00} when I bought it and they still sold it to me for {$13000.00} at a 19.948 % interest rate and a {$6400.00} finance charge on top of a " down payment '' of {$1700.00}, which I didn't have anyway and they let me pay off the down payment but I still had a trade in at that time which they valued very low. I got some advice from financial advisors and they told me that if I keep the car I'm losing and if I give it back I'm losing too. I can't sell it for anything close to what I owe still, not counting what I already paid. I filed a complaint with the Attorney General because I know she has a law suit against them for predatory lending. I can't afford a {$600.00} payment next month or ever again and the car isn't worth keeping anyway. I do have a child and a job that requires a vehicle. Basically they charged me {$21000.00} for a vehicle that valued less than {$4000.00} and forced a payment schedule of every payday on me. I never had a choice or say in that. I don't want anything. I only want XXXX XXXXr and CNAC to take back the car and call it even and leave my credit alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against Phoenix financial services, this debt collector has violated the fdcpa/fcra, by reporting derogatory information on my credit reports in the amount of {$240.00} for one debt, and {$500.00} for another. Phoenix financial never sent me a dunning notice, which gives me the right to dispute validity of debt within 30 days of notice. I've recieved nothing from them ever. No mail, no phone calls, nothing. Just a derogatory hit on my credit reports. This is happening at the worst time as I'm in the process of purchasing my very first home for my family and I. Now I'm being told this erroneous debt is holding me back. I am requesting immediate deletion of these accounts immediately. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2019-06-25
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's continues to call my phone back to back after I gave an verbal request no to call me. They call ever hour two and three times an hour repeatly. I already had an issue last month where they submitted an unauthorized payment through my checking account, and at that I requested not to be called but they continue to call.

Company response to consumer: Closed with non-monetary relief