BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Bread Financial Holdings, Inc.
State: CA
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 a XXXX XXXX credit card issued by XXXX. XXXX XXXX was sold and the credit card program was cancelled. My account was closed in XX/XX/2018 with a XXXX  balance. 

Months later, XXXX processed two refunds to the account : on XX/XX/2018 ( {$1800.00} ) and on XX/XX/2018 ( {$440.00} ). I received no notice from XXXX when the credits were made. On XX/XX/2018, I received an email from XXXX that I had a {$2300.00} credit on the account. I called and asked how I access the funds since the account is closed. I was told I could have the funds deposited in my bank account or received a check, both of which would require a 21 day waiting period. 

Between the delay in notifying me and the 21 day waiting period, XXXX will hold my funds for five weeks ( presumably earning interest ). I think that is unreasonable and that XXXX should be required to deposit the money into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
I have Bank of America credit card with quarterly reward XXXX dollars if I pay on time. In order to get that reward I set up auto pay for my payment. after due day, I checked my balance, I found the auto pay not working, right way I paid the amount by manually. Also, right way I called the bank to let them know what happened. they said they would take a look. I called them and explained every again to them, they said ok it's their fault and gave my interest back. but they still no pay XXXX reward. they say I am pay late.

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 2018-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX Collection agency for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house. 

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 non-monetary relief
Consumer complaint received 2023-02-23
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:
I constantly check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2019-03-07
Company: WELLS FARGO & COMPANY
State: FL
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:
We wrote a check for {$4000.00} 6 months ago from our Wells Fargo checking account to a business in XXXX XXXX FL, and sent it by US mail. A woman stole the check from the mail, and altered it adding her name to it, and she deposited it into her XXXX XXXX account in XXXX XXXX, FL using an ATM deposit as a method. 
The police identified her, arrested her for theft, and she pled guilty to theft, fraud and forgery of the document. She is now out on probation in fact with the State of Florida. 
To this day we have not been reimbursed our loss by our bank or XXXX XXXX. 
I have all documents to support my complaint.

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 2018-07-27
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had ( have? ) a Home equity account with PNC. In XX/XX/XXXX they changed their accounting technology and my life for the worse. I tried to head off these problems by simply paying off loan in XX/XX/XXXX, but i can not get them to stop billing me due to their errors! to date I have 22 bills, pieces of correspondence, and documented phone calls, some with confirmation numbers and PNC seems to be a cancer I can't get rid of. 
XX/XX/XXXX notice of new technology XX/XX/XXXX Normal bill for interest {$200.00} promptly paid as always. 
XX/XX/XXXX Newly formatted bill arrives for {$310.00}. Unable to reach customer service for hours. Paid the bill. 
Afterwards-bill arrived for {$220.00} for same period of time XX/XX/XXXX Bill for {$230.00} XX/XX/XXXX Phone connection to XXXX XXXX. New system is causing errors. I decide to merely pay off my balance and give him my bank info.XXXX # XXXX. Tells me to send a letter closing my line of credit, which I do XXXX written confirmation of my letter. 
XXXX Bill for XXXX XXXX Phone XXXX says my balance is XXXX. XXXX XXXX gets involved.Gets escalated to XXXX XXXX who reviews previous transactions, discovered that they had not gotten the money from my bank due to a typo. We conference my bank and XXXX assures me we are all set now! XXXX # XXXX XX/XX/XXXX Bill for {$83.00} XX/XX/XXXX Notice in mail that a request to correct my account has been submitted XX/XX/XXXX Phone XXXX XXXX does not take my calls nor return my messages XX/XX/XXXX Reach XXXX XXXX who repeated assures me that I can not speak to anyone higher than him. He confers with XXXX XXXX to be brought up to date. 
XX/XX/XXXX Letter from PNC that my credit has been cancelled for non payments! 
XXXX Phone XXXX XXXX. Tells me he has corrected their {$88.00} error on my account. He doubts they have affected my Credit score. When I asked if I am now at XXXX, he found that I still show a {$19.00} balance but doesn't know why XX/XX/XXXX Phone XXXX XXXX say he got my {$19.00} balance waived XX/XX/XXXX Phone XXXX XXXX says my balance is finally XXXX! All is well and fixed, I will soon receive my paperwork that the account is paid off as of XX/XX/XXXX! 
XX/XX/XXXX Bill for {$84.00}. statement includes misapplication reversals for the principal payoffs. 
XX/XX/XXXX Left message for XXXX XXXX XX/XX/XXXX Bill for {$0.00} and a new balance of {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
on XXXX i sent this credit bureau a dispute letter concerning the validity of accounts that were inaccurately reported on my credit report. To this date they failed to validate the dispute accounts. the disputed accounts are invalidated and inaccurate, if they cant prove me or show me a method of verification, these accounts need to be removed off my credit immediately. I am very stressed about the situation and i take my credit very seriously. this is a defamation of character and i want them to take action now by simply delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
New local banking relationship started XX/XX/XXXX savings account number XXXX https : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX; local number ( XXXX ) XXXX checking & savings opened XX/XX/XXXX with {$1000.00} and {$24000.00} respectively. 
Did I get {$300.00} bonus 90 days after account opening?? ABSOLUTELY NOT. 
Upon following up with them, they said I didn't enter a code but I followed the instructions perfectly. 
I believe what they are doing is simply trying to get out of the {$300.00} bonus which was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
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 did not supply under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was notified by email my credit card limit was significantly reduced and to add insult to injury my interest RATE was also significantly increased. I have been furloughed since XXXX due to Covid I have always made payments on time except for XXXX ( XXXX time ) I always make payments I am a great customer. I called today XXXX Sat at XXXX XXXX to ask them, I pleaded for help in a lower rate they went from 23.99 % to 29.99 % as well as the the lower credit limit which is now {$6000.00} and my balance is already {$5800.00} so I am 100 % maxed out on a card reporting to the credit bureaus which in turn, hurts me drastically! 

I am trying wholeheartedly to work with the credit company After being transferred to 3 different people not one person can help me. I will never get this card payed off nor can I pay a rate of 29.99 % I am still out of work due to Covid, but I will always pay min due plus extra, but at a time when I have XXXX income coming in, please citi group just help me. It will leave me no option but to have it go to collections and eventually have it as a charge OFF on my credit report. Then no one wins! Work with consumers its hard enough without fighting with your credit card companies! You say Just call us we are here to help NOT TRUE!!! NOT TRUE AT ALL!

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am so tired of the total incompetence of the Fifth Third Bank and its employees. This is my second complaint against the Fifth Third Bank and in between both of them I have also spoken to the bank and hashed out another issue. 

Our vehicle was repossessed in XX/XX/2021- the loan has been paid off and we no longer deal with the Fifth Third Bank financially. I called the Bank and had to point out that on the credit reports for both my wife and I- they failed to indicate that the account is closed and paid. 

Now on the credit report the summary indicates the loan paid and closed. However, in the detail for the Loan showing payments- they have continued to show R for respossession in XXXX, XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC #  XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX

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