BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: WA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: CA
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 all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: FL
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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Paramount GR Holdings, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have discussed the situation where I am trying to pay extra to apply to the principal each month. I was told by more than one person that my payments where to be applied to the principal but have only been applied to interest. The auto payments do not allow extra payments also. It seems purposeful to me and after had experienced several phone calls including one where they submitted the payment I do not think this situation will be resolved. It seems like a scam to me to get me to pay more on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Remove all negative items information is not accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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 have Hard inquiries on my report that i did Not authorize at all! 

XXXX - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XX/XX/2020, I received an email alert from Bank of America that my account has been overdrawn. 
I immediately lack in to my online account and found out that, there have been series of unauthorized transactions from my checking and credit card accounts. 
I immediately contacted Bank of America fraud department and let them know that those transactions was not from me that there should put hold of those transactions. 
The transactions was send to unknown individuals via XXXX and XXXX. 
Three transactions via XXXX XXXX and four transactions via XXXX.Attached copy of statement highlighted. 
Bank of America issue me a case number XXXX. 
The Bank of America department for Debit card credit {$230.00} for cash app transactions. 
{$3.00} for XXXX has not been credit up to this date. I have requested Bank of America to contact XXXX for the unauthorized transactions to know avail. 
Bank of America requested copy of police report which has been fax to them but have still refused to credit my account. 
I am paying credit card charges for transactions which I didn't authorize. 
Its really unfair! 
-Attached is copy of bank of America Debit card fraudulent claim resolved. 
-Police report -copy of Bank of America statements of fraudulent activities in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2019 this company 's system is not updating correctly. They are charging people XXXX for each transaction which results in high amounts of overdraft fees. They are rude when you call into customer service and they don't have contact information for the cooperate office. They are charging me excessive overdraft fees and then making like I am in the wrong because their systems are not updating correctly.I want to be contacted by XXXX XXXXXXXXXXXX the president and I want these high overdraft fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for a XXXX Visa Signature credit card and was rejected. The reference number is XXXX. That card has some XXXX free miles offer. After I was rejected, I applied for a credit card from another company and was successful. 

Then out of the blue, I received a credit card from XXXX Chase, even though I have been rejected and had not reapply. I feel that my data privacy is compromised since I have not applied for a new card ; my data has been used for a purpose I did not give permission to. Also, it appears that Visa wanted to give me a credit card but is depriving me of the opportunity to get the free miles when I first applied. 

I had called them to ask for a full explanation of what happened. I spoke to XXXX from security and fraud ( I Believe ) at XXXX because I was not able to validate an account I did not apply for. It has been a couple of weeks and I have not receive any correspondence from Visa. This is very disappointing because they do not seem to take this issue of personal and data privacy seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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: Account information incorrect

Complaint:
Equifax and XXXX both list my XXXX XXXX student loans as consolidated into XXXX account, negatively affecting my credit report with both agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, TransUnion and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XXXX/XXXX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.

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 2020-12-07
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, XXXX and Experian. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.

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 2021-08-09
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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Paypal Holdings, Inc
State: GA
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:
Yes thank you for helping me the first time with PayPal however they fixed the account for me to use but I contacted them cuz I could not withdraw money still I was given the run around and I called several times because somebody else had changed the phone number and password I just finally got back in the account I had {$850.00} I only withdrew {$200.00} leaving {$650.00} my account has {$1.00} in it and I have tried several times to get PayPal to fix these unauthorized transactions they refuse saying that they right the unauthorized transactions are to PayPal itself help me please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: PA
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 have a credit of XXXX dollars and I called back in XXXX to have send me a new credit card due to lost well they sent me the same credita card and didnt mail me my credit money instead decided to give my money to another company. when I called they refuse to mail me the full amount of my credit which is XXXX dollars and they claim they will only send me XXXX and XXXX dollars.

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 2020-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On XXXX XXXX, 2020, I was added as an authorized user on a credit card with USAA. On XXXX XXXX, 2020, I received the credit card in the mail. On XXXX XXXX, 2020, I informed the primary card holder that USAA was not reporting to any bureaus. He called USAA on XXXX XXXX, 2020, and was told that the card should show up on my report within 30-45 days of adding user. At this point, it had almost been 60 days. On XXXX XXXX, 2020, he called again and was told that everything on their end was good and that I should contact the bureaus. He was told that they reported it on XXXX XXXX, 2020. On XX/XX/XXXX, I noticed that the card/account still had not reported. I called XXXX XXXX and XXXX, and was told by each of them that they did not have any knowledge of this account. They also stated I should request a confirmation number from USAA with reporting dates. We then called USAA on 3-way told them what the bureaus said. The representative informed us that he did not see any information where the card had reported and could not provide us with a confirmation number that was requested by the bureaus. He suggested that we file a dispute on the USAA website, in which we did. I am filing this complaint in order to expedite the process and also because I know that the online disputes can sometimes automatically decline. This is slowing down my family 's home buying process and I would like to get this issue resolved as soon as possible as we have a XXXX XXXX in less than XXXX  weeks. Please help resolve this issue by having my credit report updated ( and backdated to XX/XX/2020 ) when I was added as an authorized user to reflect positive credit card usage. Thanks in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: LOBEL FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So this is the owner I am the owner XXXX XXXX or XXXX XXXX XXXX XXXX I am the owner of the XXXX XXXX falsely illegally impounded by XXXX XXXX XXXX XXXX Police department XXXX XXXX  and another entity called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The VIN number to my vehicle is XXXX XXXX lobel financial account number in XXXX. I put down {$4000.00} And I made my first payment on the vehicle and today I made my second payment on the vehicle this vehicle was impounded at a parking gym properties while I was staying near and I paid for the valet services on my stay also I had over {$500.00} on my account in positives sitting for reserves at the time of my state not only did they attempt to erase my state at XXXX say that they told my car to be valid towing and it was in a fires on there's no video or footage of these alligator stories all I want in the general is for my vehicle to be released from XXXX  XXXX XXXX and brought to me or immediately released I went down there today to move my vehicle with all my ownership information I even contact my financial company about the vehicle multiple times Park reported the vehicle stolen I reported his stolen the night of XX/XX/2022 I was staying in room XXXX I attempted to go to all measures to retrieve my vehicle and all legal possible methods in all very message I reported the XXXX XXXX which was connected to me through XXXX that was told to stop when the car was initiated for when they were still in the car I reported this to all entities reported this too but XXXX who continued to hang up the phone on me I don't want the vehicle because the vehicle was used or taken and was out of my supervision with underneath to me with no valid justification for towing it so some suspicious activities to occur I just told them to bring me my vehicle I went today and retrieve it they had other stories talking about they need to run it through whatever there is nothing that I had going on anywhere i proved owner ship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation