BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: BARCLAYS BANK DELAWARE
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: Problem with cash advances

Complaint:
Today I noticed two cash advance fee ( {$12.00} and {$10.00} XXXX were posted on my Barclaycard ending in XXXX. I called the bank and they said these were charged due to two recent same-day transactions with XXXX XXXX. However in this XXXX, I called Barclaycard and had a phone representative to lower my cash advance on this card to {$1.00} ( because according to her {$0.00} cash advance can not be setup ), and she confirmed any cash advance transaction over {$1.00} would be automatically declined. So, anyway, in today 's call, the new rep confirmed there was no cash advance limit set up on my account, and they were not able to waive the cash advance fee. I asked to speak to a supervisor, she looked up my account and would only waive the {$10.00} cash advance fee as a courtesy because it was the latest posted ... So my understanding is, back then during my call with the female rep, either she messed up on her side that she did not successfully lowered the cash advance limit, or she simply lied to me, as the male rep today said he could not find such cash advance limit change on file. Unfortunately, I do not have any email proof as this was conducted by phone, but I hope the call with the female rep in XXXX was recorded in case the bank needs any proof. These two " cash advance '' were definitely not intentional as I would believe any cash advance would not be able to go through like the female rep firmly told me. Therefore, I do not think it is fair for me to bear the cost of this cash transaction fee due to the fault of their representative. In addition, both cash advances happened and posted on the same day, it does not make sense that one is latest posted ( while the other maybe 1 second later ) so they can only reverse one fee.

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 2020-01-21
Company: EQUIFAX, INC.
State: SD
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:
Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. Equifax, XXXX, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. Equifaxs automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a statement in the mail with my name and address from XXXX XXXX ( TD Card Retail Services ) which I did not apply for nor make any purchases on. The statement concerns me because both my name and address are correct. It shows two phones were purchased on XX/XX/20 for a total of {$1900.00} and then returned on XXXX/XXXX/20 and the balance was credited back to the account. The account currently shows no balance owed with a credit limit of {$2200.00}. I never applied for this account nor did I make any charges. 
As soon as I received the statement I called the number provided immediately ( XXXX ) XXXX and was on hold for 42 minutes before hanging up, this was on XXXX/XXXX/20 at XXXX. I called twice again the morning of XXXX/XXXX/20 the first time at XXXX and was on hold for 46 minutes before hanging up. I also have my savings and checking account through TD Bank and I called the regular TD Bank help line ( XXXX ) XXXX at XXXX, I spoke with a representative that could not help me but transferred me to the Retail Card Services division where I stayed on hold for 1hr and 2 minutes before finally hanging up. I made a last attempt this morning, XXXX/XXXX/20 at XXXX XXXX  and gave up after 25 minutes. 
I never opened this account nor did I make any charges or returns on this account. The hold time I experienced and the service I have received from TD Bank Retail Service is horrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rep indicated that Medical Debt was not allowed to waive any additional amount due to being a policy of the account holder and not their policy. This is a false statement as they are able to accept discretionary compromises and this was confirmed in a follow up conversation later that day. They even submitted a compromise request for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ). 

XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and  observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted at my place of work, on a company-owned phone, in a threatening manner regarding an old debt. The caller ( according to their recording when I called for the company name because they wouldn't tell me when I was speaking with them.. ) was XXXX XXXX XXXX . I asked the person on their end to not call my work again, and was told he would remove my employers number from his list of contact numbers but only after I gave him another number. I was threatened with a lawsuit, and talked at in a demeaning manner. My day was ruined and my company has told me I will be punished if I am to keep having debtors call my place of work. This needs to stop! I could lose my job because of these sick poachers of debt who pray on those who can barely afford to eat and harass them. Please help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
One Company put in my credit Report a Debt for XXXX dollars for XXXX time. 
XXXX time i did a claim in the All of XXXX Credit Buro : The Result was : DELETED THE ACCOUNT. This account do n't belong to me or was Used my name. 
XXXX Time : The Collection Company tried to Put again this Debt in My Credit Report. I did a Claim and the Result : The Account was deleted. XXXXAnd Today XXXX/XXXX/XXXX i was checking my credit report and appear again this account. Equifax do n't send any information why or the reason that this Collection appear again in MY CREDIT REPORT. 
I need your Protection for eliminated this account for ever of my Credit Report. And Also put the penalty for Equifax because do n't obey the Law for reinsert Collection deleted for XXXX time. Of course the worst situation is They had proof for my XXXX claim that this Debt is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
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:
I have requested numerous times with Experian in regards to XXXX XXXX  XXXX error in reporting and notified them that this account is not mine. It remains on my report with Experian. 

XXXX  and XXXX had kindly removed this error without any problems. 

The second complaint is why is it that with all of my credit, inquiries, limits, and payments almost identical with the other 2 my score is significantly lower with Experian? 

It doesn't make sense.

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 2018-05-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. 

Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. 

Today, I called again. They told me they can not do anything, and that I have to call XXXX  and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : 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 2018-06-24
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 disputed these fraudulent accounts with XXXX  to no avail. XXXX has deleted these fraudulent accounts. My next step is to file a lawsuit. This is a violation of the FCRA : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX/XXXX XXXX # XXXX  Simply saying that the accounts have been verified as accurate is illegal if XXXX have verified them as not accurate and have removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Midwest Recovery Systems
State: WA
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:
Some Midwest Recovery account just showed up on my credit report. Unknown what it is. Never received any letters or calls about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have made several attempts to contact Transition to request that they remove duplicate information from my credit report. They are reporting XXXX sets of derogatory information from XXXX XXXX and XXXX XXXX. They are the same account and it should only be listed once. The XXXX negative listings is having a negative effect on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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 is missing that should be on the report

Complaint:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka 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 2018-05-11
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 is missing that should be on the report

Complaint:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: AR
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 XX/XX/XXXX Equifax sent a letter to XXXX XXXX XXXX from Consumer Relations Specialist XXXX XXXX informing the account XXXX XXXX would be removed from credit report within 5 to 7 days. A letter dated XX/XX/XXXX was sent with confirmation # XXXX informing me that XXXX XXXX XXXX Had been removed from credit report. As of XX/XX/XXXX the same account XXXX XXXX was reported to my Equifax Credit Report without any initial communication or notification within 5 business days. Equifax again has violated the Fair Credit Reporting Act 605B and 611C. This account has been blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I tried to use my debit card to withdraw available funds. I received repeated denials at more than one ATM. I called Discover Bank and was told that my card would no longer work and I would have to wait 7 days to receive a new one. 

I told the bank I needed access to my money more quickly and asked them to waive fees for a cash advance or other solution but they refused. 

Therefore I was unable to use my funds I also still have not received a new card as they had promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax continues to publish a fraudulent address on my credit report that was used to open a fraudulent accounts with XXXX XXXX and XXXX XXXX. 

I never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief