BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: PA
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 bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Wells Fargo has credited my charge card for a cash advance of {$500.00} on XX/XX/2019, at a Wells Fargo Bank ( WF ) located on XXXX XXXX XXXX. XXXX, GA XXXX. I did not conduct this transaction. I have been in dispute with WF since this time through written request. WF argument is that because the card was in my possession and contains a chip, I conducted the transaction. I have asked WF for additional proof, i.e., video, documentation, and any other proof available which has been denied. WF has requested that I file a police report, of which I have complied and have now forwarded a copy to WF. 

WF case # 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 2019-11-01
Company: Experian Information Solutions Inc.
State: LA
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:
The school loans are condensed to one loan and there sre no late payments there is a copy of the balance with this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX  Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ID Analytics, Inc.
State: GA
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 XX/XX/2019 I was denied credit due to an inquiry for my credit score from XXXX , XXXX. I have never heard of this company and when I call to get a copy of my credit report I have to leave a voice message. An online inquiry or a written inquiry to XXXX , XXXX, I have to provide copies of my driver 's license along with other documents, including my social security number. Is XXXX  , XXXX a legitimate credit bureau? Never heard of them and why can't I get a copy of my credit report from them. No call back and no one answers the phone.

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 2023-07-17
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: CREDIT CONCEPTS, INC.
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
CREDIT CONCEPTS INC - Inquiry : XX/XX/XXXX CERTIFIED CREDIT RPDT, - Inquiry : XX/XX/XXXX XXXX XXXX - Inquiry : XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Regarding incident XXXX Citi did mail a check to me via XXXX in the amount of {$120.00}. I tried to deposit the check into my bank account and the deposit was rejected. Citibank provided me with a bad check! I did attach the email provided by my bank showing reason for check rejection.

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 2019-04-10
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:
I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/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 2018-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Contacted " XXXX '' for the purchase of a puppy golden retriever " XXXX ''. The charge was {$550.00} and there were text messages back and forth, transferred money via XXXX, and " XXXX '' disappeared the website went down. I filed a police report in XXXX XXXX County, and went to Wells Fargo with said police report, they said they could not help. Went to XXXX XXXX XXXX and they too said they could not help. I lost {$550.00} and no one is able to help with this fraud.

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 2019-04-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
30 days ago I sent a dispute letter to SYNCB asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Im trying to sell my house as a short sale the second lien holder is asking for over 50 % of a debt I owe and it is holding up the whole deal I have been trying to sell this house 9 months already first they asked for XXXX then they said XXXX I owe about XXXX but I did bankruptcy so they suggested either we put up the money or the buyers! The main bank is willing to give 10 % I dont know what to do how else to deal with this I just want to sell before the house foreclosures. They clearly dont even care the house has been empty for over a month already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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 status incorrect

Complaint:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX. Acct XXXX. Date open : XX/XX/XXXX, XXXX charge off date : XX/XX/2022. 

I Contact the creditor and spoke with a young lady by the name of XXXX, the agent was completed disrespectful and didn't assist me in what i needed regarding the account. 







If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Signed up for a checking account with Chase banking for XXXX $ bonus around XX/XX/XXXX or XXXX. The terms were to have direct deposit into the bank and the XXXX would be deposited within 10 business days. I waited a little over 3 weeks with no money and gave them a call on XX/XX/2019. They told me they sent a coupon to my email which they did not and said since its been over 21 days since account was opened they wont give me the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I shouldnt even be paying this because my school doesnt exist. I want to make a low monthly payment as little as XXXX dollars and they wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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 fraud alerts or security freezes

Complaint:
On XXXX, XXXX XXXX, 2022, I received an email purporting to be from Experian, notifying me that the email address / user name associated with my account had been changed. I did not initiate the change, and I did not recognize the new email address. 
I attempted to log on to www.experian.com, but my user name and password were not accepted. The email they sent invited me to click a link for their Membership Support desk to report the problem, but I did not want to click a link in an email that might itself be fraudulent. ( I did send an email to XXXX, but not via that link. ) I also called the number listed on their website, but was unable to get to the Fraud Dept. or past the automated menu at all. Finally, I found a membership customer support number and called that, and I spoke with a woman who asked questions to verify my identity, and who reestablished my correct email address / user name. I changed all the relevant passwords and placed a fraud alert on my account. 
However, in the hours since that time, I have received further suspicious emails purporting to be from Experian, and I have tried contacting their Fraud Dept. by phone over a dozen times, but I have been unable to reach anyone. It is exceptionally difficult to locate an option for freezing one 's credit on their website, and when I finally found and filled out such a request, it was denied. Ultimately, I tried several more calls ; their automated service hung up on me several times, said it was not possible to connect me to a representative or specialist a few times, and generally made it all but impossible to take control of or even report a possible urgent identity theft problem. 
By sheer persistence and by navigating the automated menu in a variety of ways, I finally heard an option to freeze my credit report with Experian, and I said yes. I was given a confirmation number, but I was also told they would send an email with the necessary PIN number for managing the freeze. I have not yet received that email! 
By contrast, I logged on to both XXXX 's and XXXX 's web sites, and I was easily able to place a freeze on my credit report ; I received immediate email confirmation of having done so. 
These companies have FAR too much control over our lives to be so lax, so inattentive, so unnavigable in the face of fraud and identity theft, which are some of the most pressing problems American consumers face. Experian should be censured, or better yet put out of business for practices like this.

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 2019-11-01
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
So last month I contacted the CFPB in regards to my loan company Carmax XXXX in regards to putting the two months late payments in the rear or the end of my loan, as well as changing my monthly payments due date. At that time I was referred to XXXX ( who by the way was great with the entire process ) However I was told that if I made to payments that they would put the final payment which would have been XX/XX/XXXX Payment in the end of the loan. Which I did make the two payments as requested and required. However I still that late payment and my account is still 30 days past due and I am still getting threatening collection calls and letters from carmax regarding that 30 day late payment. So to me Carmax did not hold up their end and there is absolutely no way that I can come up with any extra payment again. When we agreed to the 2 payments and the final payment would have been placed to the end of the loan. The two payments that I made already caused me a hardship with my other bills. Now my carmax account is showing XXXX and 33 days past due! This is borderline horrible! And Carmax is being misleading and sending false documentation to you and me as far as their responses go!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
30 days ago I sent a dispute letter to LVNV FUNDING LLC asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: BARCLAYS BANK DELAWARE
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I sent a check to XXXX XXXX XXXX XXXX to pay off my XXXX balance. The check arrived 3 days late. It was due XX/XX/2020 and arrived XX/XX/2020. I have been with this company for several years, and this is the first time that I have ever been late with my payment. I was charged {$29.00} for a late fee and {$11.00} interest. My complaint is not about the {$29.00} late fee. My check was late. My complaint is being charged {$11.00} for interest on a balance of around {$700.00} for just three days. This, in my opinion, is usury. I called the company and did not receive an adequate explanation for the extremely high interest rate. In addition to never before sending in a late check, I have always paid off the full balance each month.

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 2019-11-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While this complaint pertains to the Monthly Service Fee I was charged on my Checking Account with Wells Fargo, it has more to do with the lack of warning and notification of the service fee that I was charged. I currently have, through the Wells Fargo Mobile application on my XXXX, notifications on any and all activity within my Checking Account. Every time a Deposit/Charge or Withdrawal/Debit is posted to my account, I get a push notification sent directly to my XXXX. I have this set up as this is not my main account, and I like to be aware of all activity within the account. On XX/XX/2019, I logged into my Wells Fargo account on the mobile application and was shocked to see a Withdrawal/Debit charge of {$14.00} related to a Monthly Service Fee that occurred by on XX/XX/2019. Had I not logged into the rarely used account, I would have never known of this charge, and would have been continued to be charged a monthly service fee each month after. The lack of communication related to this monthly service fee is completely unacceptable. I never, at any point, received any push notification or email noting that I would be charged or that I had been charged. I have two other Wells Fargo accounts, with enough funds in them to cover their arbitrary minimum balance requirement, that had I been notified ahead of time I could have transferred funds and been able to avoid the service 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 explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX, Experian, and XXXX have been reporting these accounts as derogatory listed below. 

In accordance with the Fair Credit Reporting Act, the three credit bureaus listed above violated my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are reporting as they are current, reporting as verified. I disputed with the credit bureaus about this matters at hand and nothing is done.

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