BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: GA
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:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up  and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have sent Macy 's a letter disputing this charge and they are ignoring my request and continuing to bill me for the {$58.00} and now adding late fees to the original amount. There was never an explanation for the original amount. 

Macys , Inc. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, NY XXXX Dear Sir or Madam, I am disputing a charge on my XX/XX/2023 statement in the amount of {$58.00}. I talked to one of your agents on the phone on XX/XX/XXXX, and she explained that the charge is for the discount of {$58.00} I received when I purchased luggage for {$290.00}. I returned the luggage to the XXXX XXXX XXXX  and was reimbursed for {$290.00}. I should have received credit for {$58.00} as I returned the luggage. I did not keep the luggage and never used it. I did keep and pay for the other purchases I made on my first day with that new credit card. 
The bill I received in XXXX shows a previous balance of {$460.00}, payment of {$170.00}, credit of {$290.00}, and purchases or other debits of {$58.00}. My records and receipts do not explain the purchases or other debits in the amount of {$58.00}. 
I notified your billing department in XXXX that I was disputing the original charge of {$58.00}, but your billing department has neither acknowledged my questioning the {$58.00} nor relented in attempting to collect this amount, without explanation. I have been advised that I should contact the Consumer Financial Protection Bureau if you continue to attempt to collect this amount. Please explain the reason why you are demanding payment for a discount when I returned the luggage unused and with tags still on the luggage only a few days after my purchase. 
As a result of my phone call to Macys Customer Service on XX/XX/XXXX, my account has been credited for a late fee of {$30.00} plus an additional fee of {$2.00}, but I have received nothing, neither goods nor services, for the {$58.00}. I would greatly appreciate a note from your business acknowledging the dispute over this amount and expunging {$58.00} from my account. 
Sincerely,

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 2023-07-12
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
At XXXX on today, XX/XX/2023, I received an email from Wells Fargo Applications ( XXXX ) to my email address thanking me for an application filed on XX/XX/2023 for a Wells Fargo XXXX XXXX XXXX XXXX XXXX I made no application and am not otherwise, and have never been, a customer of Wells Fargo. I called Wells Fargo customer service at XXXX and reported the issue. The first representative took my name and email address. She confirmed that my email address was in their system, but would not provide any other information. Instead, I was forwarded to an application fraud representative who proceeded to for the reference number in the email and for my full name. He then asked for my date of birth. This is where I drew the line and got irate. My information was already confirmed in their system and their reference number for the fraudulent application was provided. There was no need for my date of birth or any other information. A victim of fraud would not disclose personal, confidential information, especially when Wells Fargo has documented instances of fraudulent activities by its own employees. All Wells Fargo needs to do is flag the application and delete it. I checked my credit report. There was an inquiry on my credit. Wells Fargo had accepted the application without doing any due diligence and now my credit score will be negatively impacted, my finances are at risk, and they have compromised my identity.

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 2023-05-21
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX ; XXXX ) XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to. privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022 Experian customer service violated my privacy changed information without my consent or authorization refused to make correction. 


I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account - US BKPT CT SC COLUMBIA Account Number - 2001397HEB 15 U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without m written instructions. 
Delete this account immediately {$1000.00} per violation PERSONAL INFORMATION Incorrect name - XXXX XXXX XXXX ( DELETE XXXX ) Delete this account immediately {$1000.00} per violation Incorrect name - XXXX XXXX Delete this information immediately {$1000.00} per violation Address Information XXXX XXXX XXXX XXXX, SC XXXX Delete this account immediately {$1000.00} per violation XXXX TRIBUTARY WAY XXXX, GA XXXX XXXX this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation EXPERIAN XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX 
Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation

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 2020-06-06
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: Problem with personal statement of dispute

Complaint:
Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted GM Financial to update my credit reporting. This account has not been updated since XX/XX/2016. The balance and payment histories are inaccurate and they refuse to update it. I have written to them and contacted XXXX in the message center.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: GA
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 AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited my account for 180 days and when the day is up to I cant add my bank or card to the account since the card in the account has been outdated. I keep calling and texting them but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late XXXX, 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 2023-08-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have the records that show i cashed a check from a prospective employer who paid me cash up front buy needed equipment for a job i was being hired for ... cash check with my bank and talk to someone who says that once funds were release to my account that the check couldn't bounce or be removed from my account so i send off XXXX via XXXX to XXXX was found out ot be a scam .... but i was told that the funds once i could pay them out they couldn't be returned ... i waited three days before sending anything off the cashed check... well that was completely wrong .... and two days later after the XXXX had already been sent offf via XXXX they bounced the check in the first place leaving me down XXXX XXXX  plus fees for loan I took out when i realized i had been scammed and even told the bank i was scammed and they made it impossible for me to talk to the person who assured me that my funds would not be recalled after the scam artist had gotten me to cash their faulty check and send out funds =the bank said couldn't be recalled so i was out XXXX + fees for taking out a loan on my credit card to cover for over draft issues with the XXXX dollar check being returned after begin told false info from calling in to the bank first ... i have records that Ive taken down off of my account but cant get records of who gave me the false info and chase bank has never let me find who gave me te false info... .the check was returned XX/XX/2022, check initially cleared via online deposit XX/XX/XXXX ... i waited until XX/XX/XXXX to send off the first XXXX payment and was about to send off XXXX more before i got stopped up and decided to double check again to find out id been scammed and hoodwinked by my bank at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These inquiries are fraudulent and do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-30
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I initiated a purchase through an online add for a discounted XXXX. I used my PayPal account to process the payment. Immediately upon the transaction being done, I received an email confirmation showing that my payment had been made to a personal email address and not the company I thought I was transacting with. This is a clear case of Fraud, where the user has set up a pfishing site that is a near exact copy of the actual site. 

Fraudulent website located here. XXXX XXXX  XXXX Website is misrepresenting XXXX XXXX XXXX Payment was made via paypal and immediately misdirected to an email address that is clearly not XXXX. The issue was immediately reported to paypal so that you could prevent the fraud transaction from being cleared. I open case XXXX, which was closed systematically today without resolution. I have attempted to correspond with PayPal and instead I am being sent a redirect email from them directing me back to their website. 

Here is the email address that payment was redirect to : XXXX Please contact me for additional details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I would like to know when exactly first Delinquency of account occurred? 
Is the account already sold to third party collection? can I settle account directly with 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 2023-08-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. THIS IS ALLEGEDLY VICTORIA SECRETS ACCOUNT

Company response to consumer: Closed with explanation