BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I 've been charged {$10.00} from TransUnion, XXXX, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

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 2020-09-09
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed both my checking and saving accounts with Regions Bank on XXXX XX/XX/2020 because of their poor costumer service. For some reason Regions Bank kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. Regions sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?

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 2020-05-25
Company: EQUIFAX, 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XXXX XXXX, XXXX, after the Equifax breach, I checked the site that Equifax had put up to see if I was affected. According to Equifax I was affected and my sensitive information, such as my XXXX, was released publicly. There are, however, reports that Equifax 's results on whether an individual was affected are randomized ; so I 'm not even entirely sure if my information was released. I am taking precaution to protect myself from fraud and I decided to make this complaint, because Equifax themselves tell me they let my information be breached but even if that was just a randomized result, then there is an entirely different issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I  file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
Scott & associates file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX, {$23000.00} TAKEN OUT FROM MY WELLS FARGO CHECKING ACCOUNT WITHOUT MY CONSENT AND REFUSED TO PUT IT BACK 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 explanation
Consumer complaint received 2017-09-14
Company: Activehours
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Bank name : XXXX XXXX Name : XXXX XXXX Issue : there is an application called Activehours and he pays you daily and at the end of each pay period it takes it from your account. My bank is being slow into excepting this but I was wondering if you guys can contact XXXX XXXX XXXX in advised him that this is the situation a monitors my bank statements and my pay periods him and then he pays me daily of a percentage not the full check amount so it actually helps me out because I have daily task that I need to do and I ca n't afford living off two weeks. Active ours is the application I need uses location-based and you have to submit Time sheet to be able to qualify and it 's a long process I was wondering if you guys can contact XXXX XXXX and confirm with them to our knowledge that active hours is a good application thank you so much for your time and effort XXXX my phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America I noticed an inquiry on my credit report and the next day received a checking account statement for an account which I did not open.

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 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I cashed a check in my son 's name and his university to my account to pay tuition for college. The Check has been held by Capital One since XX/XX/2023. The funds are still unavailable and have not been returned to my parent 's account as requested. Also, the use of the checking accounts ( 3 ) by myself and my children is locked. My son is unable to use {$520.00} which is unrelated to the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PENN CREDIT CORPORATIO XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX offered 20 % off if you provided an email address when you first visited the site. I did that. loaded items into the cart and then received a pop up for additional 20 % off your first order today when I applied for the XXXX XXXX XXXX Mastercard. The code was never provided and they would not honor an additional 20 % claiming they could not stack coupons. This was bait and switch. VERY MISLEADING I called the company, the lender and the rewards dept and customer service none of which would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My upcoming XXXX XXXX auto payment of {$400.00} is due on XX/XX/XXXX. I am in a federal disaster area due to Covid-19 with some of the highest cases in the country in XXXX County. I had called around XX/XX/XXXX to ask for assistance as my last day of work was XX/XX/XXXX. My company has laid off everyone and I am currently ineligible for unemployment benefits. Meaning I have no income coming in for the time being. With other bills between XX/XX/XXXX and XXXX, I knew I wouldnt be able to pay my upcoming payment. When I called and spoke to XXXX on XX/XX/XXXX, I was told to call back closer to the due date. I called back XX/XX/XXXX and was told the most theyre offering anyone right now is 15 days. They wont even allow the deferral of a single payment and the global economy is crumbling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted four times to freeze my credit at Equifax.com, following the revelation that they had been hacked. Each time I was sent to a different page telling me they could not process my request or that I should mail them my personal information by mail and then they would process my request. They asked for my full Social Security number, which seems wholly unnecessary, considering they apparently possess a large amount of information about me. Time is of the essence if my info has been compromised. I also object to the suggestion by Equifax that I should have to pay for my credit account to be frozen when I did not ask for the company to include me in their for-profit information scheme. I understand that they may be experiencing high traffic at their website but that again is not really my problem. I want to freeze my credit profile and I do want to pay for the privilege.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today i went to deposit the cheques returned by following companies to me directly by post ( rather than sending it back to bank ) a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX - cheque number - XXXX - dated XXXX XXXX c ) XXXX XXXX XXXX {$50.00} Wellsfargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied deposit service saying there is a stop payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person - denied deposit service saying it has already been deposited and they put a " credited to the account of within named payee '' stamp in endorsement area of the cheque ). 

I asked for a proof that the check has been deposited, they were unable to provide it. I asked for a statement saying cheque was not deposited, they were not ready to provide that either. 

They accepted XXXX cheque. 

Their denial of deposit of 2 cheques, sent by me to the companies mentioned below is illegal as that is my money. Companies sent it back to me, rather than sending it to the bank a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX  - cheque number - XXXX - dated 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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2018-07-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I sent XXXX XXXX XXXX a certified letter with return receipt asking them to validate a debt they had listed on my credit report. They received it on XX/XX/2018 and never responded within the 30 day time limit. To this day, they have not validated the debt by sending me documenation showing that the debt is mine and they continue to report negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a consumer credit transaction with only the U.S. Department of Education only in 2013. However, Great Lakes Educational Loan Services Inc. acted as the servicer and debt collector for this alleged loan. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Discover Card offered me a drastically reduced interest and balance amount on more than one occasion. I agreed to the terms on more than one occasion. Discover Card will not honor their offer without access to my checking account to automatically deduct payments. I was enrolled in this in the past and am left with massive, unfounded charges when I notified them four months in advance that I would be closing the checking account and would be willing to provide the new account number. Discover Card did not comply, would not even provide me a written monthly statement via mail, and charged me massive late fees and interest. I received exactly one written statement in the last 6 months and have continued to make payments. I have notified them, again, that I never received the " offer '' that was presented to me. I notified them in writing 4 times that I am entitled to receive a monthly paper statement at my current address which they have and use when it suits them. I have asked numerous times for my full account number as I pay my bills electronically. To date, Discover Card will not even provide me this information. I need my account information, monthly statement mailed to me, and would appreciate the offer made and accepted by me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-27
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: Account status incorrect

Complaint:
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on Transunion 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 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 XXXXXXXX an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is an incorrect address

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