BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: DC
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:
Equifax REFUSES to delete a fraudulent Collection that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Equifax deleted the charged off account associated with this fraudulent account, they refuse to use the same LOGIC and remove the collection account. I have provided direct correspondence from XXXX and XXXX as well as Equifaxs own findings that shows their investigation was concluded and was found in my favor, Equifax ignored this and instead refuses to delete. This fraudulent collection account continues to report and damage my credit score monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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/2021 I sent a letter regarding inaccurate things on my credit report. To this day over 60 days later, I have not received a response. I feel like my disputes are being ignored, my rights are being overlooked and my I am being taken advantage of. Section 611 ( a ), states a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been well over 60 days so these inaccurate, false items should be deleted promptly. Some of the accounts listed do not even have account numbers attached to them. I demand these accounts be deleted immediately or I will file for litigation due to the stress this misleading report have caused me. Upon discovery of the inaccurate reporting, I practiced my right and sent letters to which I have been ignored. Equifax has also used stall tactics, claiming " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' have since sent them a letter with my picture Id, social security card and proof of ID. They are in violation of many laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2017-10-27
Company: EQUIFAX, INC.
State: CA
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 Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XX/XX/XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!!  It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Equity Line of Credit with Bank of America. I have depository accounts and credit cards with the bank. I was denied approval despite having a XXXX credit score. I believe Bank of America is being discriminatory. Please investigate.

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 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed reward points for a {$100.00} gift card for XXXX XXXX. I received confirmation that the gift card shipped but I never received it. I contacted American Express and they told me the problem was that they didnt have my town listed on the address where they sent the gift card. They indicated that they would send a new one. I never received it so again I called American Express. They verified my address and then said they would conduct an investigation. Today I reviewed a letter saying that unfortunately, your point redemption is final, and therefore the gift card is not eligible for return. I am not trying to return a gift card. I am trying to receive what I was promised. Im sure they can confirm that the gift card was never used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
Company: Chime Financial Inc
State: WV
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:
I have chime bank and I had XXXX transactions totaling XXXX unauthorized from my debit card so I locked the card on the app and called chime member services to report the unauthorized charges and they said my card was compromised and that they was issuing a new one in XXXX to 7 days I received a new card on Tuesday XX/XX/XXXX I called and reported it on Sunday the XXXX they priority ups next day aired my new card and told me that the transactions were pending and I needed to wait until the account settled to make a dispute so I wait until Tuesday the the XXXX they settled I started the dispute against the charges and XXXX hours later they send me a denied email saying no error occurred and that they stand by their decision and consider the matter closed so I called back to talk to the dispute team and they said file a rebuttal so I did and submitted screen shots only to get another email the same as the last saying they stand by their decision so I filed yet another rebuttal and submitted several screenshots and was emailed the same message again so basically they don't want to give me any of the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to accept the available funds in my PayPal account, and the website page involving entering personal information verification would not function ( I keep getting an error message saying " something went wrong '' ) during multiple attempts. The utilization of the available funds was not possible, so PayPal ended up processing the transaction I was attempting to use available funds for using the XXXX XXXX card linked to the account. If I had wanted to use XXXX, I would have done so directly using the credit card. 

In addition, multiple attempts to transfer the funds shown as " available '' to receive a paper check did not function. Clicking the selection " receive a paper check '' resulted in restating the same webpage ; no result. 

Several telephone calls to PayPal 's customer service number have gone unanswered, with a message stating that " due to COVID 19 concerns, the service center is closed. The website does not appear to work and PayPal customer service is unreachable, so I can not retrieve the funds in the PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: DC
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:
Hello hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: NC
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:
I literally have Credit inquires and have no idea where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Equifax and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Bread Financial Holdings, Inc.
State: OH
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 XXXX inquiries on my XXXX credit report that are inaccurate. XXXX is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with XXXX on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX AM on XX/XX/XXXX. Both disputes were denied with minimal explanation from XXXX. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by XXXX. This is ridiculous and disappointing that I have XXXX potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by XXXX. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill. 
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one! 

Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED! 

The debt was paid by XXXX  XXXX Claim number XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TIAA-XXXX  has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XXXX of 2019 I was switching my direct deposit from a local bank to a national bank. My employer cut me a live check to deposit, but this check had 3 numbers missing from the end, which I was unaware of until 1 month ago. In 2019 when I deposited the check my new bank account with XXXX  XXXX XXXX was immediately closed due to fraud. Since XXXX of 2019 I have not been able to open a checking or savings account in my own name. I have submitted 3 separate disputes to early warning services and each time they determine that everything on my consumer report, including me being a fraud, is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: NY
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 several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and Equifax Data breach and have got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Spoke with XXXX customer service Rep from XXXX XXXX XX/XX/2020 @ XXXX. I C System is reporting Balance being reported to credit bureau is an inaccurate balance. Balance XXXX XXXX has on file is substantially lower than the balance I C SYSTEM is reporting and seeking. My fair credit rights are in violation. I have sent letters off to I C System through a third party consumer called Smart credit with out any resolution.

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 2017-10-28
Company: ProCollect, Inc.
State: TX
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:
This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an active auto loan with Capital One Auto. My loan was delinquent as the end of 2020, but I have been current on this loan since XXXX. Despite that, Capital One Auto continues to report that my loan is past due, and we're halfway through XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I received an alert from XXXX XXXX regarding a hard inquiry on my Transunion report from XXXX XXXX XXXX  which I did not recognize or authorized. I called XXXX XXXX XXXX  to verify and dispute the inquiry that was placed. The representative from XXXX XXXX XXXX  told me that there was a credit card application submitted with my information on XX/XX/2022. I told the representative that I did not authorize nor submitted an application for a credit card. The representative went ahead and withdrew the credit card application from their system and provided me the following reference number : XXXX. I asked the representative from XXXX XXXX XXXX  on how my application was submitted and they told me it was done online. I then followed up by contacting Transunion to report the fraudulent activity and dispute the hard inquiry. I was directed by Transunion to file a report with the FTC and provide them with a cover letter explaining the situation to remove the inquiry from my report. I am not aware of how my personal information was obtained but I did not authorize this inquiry.

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 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-06-10
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal has informed me and this agency that my funds would be held 180 days. The 180 days is approaching on XXXX. My account balance in PayPal now shows {$0.00}. A debit was placed by PayPal on my account for entire amount. {$3700.00}. The transaction states payment to PayPal ; PayPal damages caused by acceptable use policy. This a fraudulent scheme in an attempt to steal funds belonging to me. I am needing a full refund ASAP. My 180 days is up. Time being of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan with XXXX Mortgage was very good, then Fay Servicing took over the loan and the nightmare began. 1 ) I got a very delayed notice of the takeover. 2 ) They did not accept payments the way XXXX had accepted them - from my bank. 3 ) during the first two payment periods ( within the 60 days ) they charged me " fees '' of over {$200.00} with no explanation. 4 ) They will not answer a phone inquiry promptly and have only sent me one bill/statement even though they took over the loan XXXX 2021. 5 ) They are one month behind in calculating my mortgage- in other words they are trying to charge me for an additional month of payment 6 ) because of their purposeful strategy of no communication it makes it completely impossible to deal with them. 7 ) I know how good mortgage companies operate because XXXX and the prior one to that XXXX were always very helpful and responsive. There must be many complaints about this company as there is no way they could only be doing this to me.

Company response to consumer: Closed with explanation