BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In 2012 Hurricane Sandy had totaled my truck. I was told that my insurance at the time, XXXX, had paid out the value of the truck and the GAP insurance would cover the rest. In 2012 I also had a XXXX XXXX so I took the information as fact and never followed up to make absolutely sure the balance was gone completely. I just had my credit pulled and it is saying they had charged off a balance on the account. I just called them to try and tell them what the situation was but they just wanted the balance and wouldn't acknowledge the fact that I had GAP insurance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: NJ
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 XXXX IS REPORTING THAT I OWE XXXX XXXX {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to 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 2020-07-21
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello : I have established credit since XX/XX/2000 and the creditors are sending my credit history to all ( 3 ) Credit Bureaus. However, Equifax Report does not reflect any credit history information for the past 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is Pressler, Felt and Warsaw. There are various account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: CA
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:
" purchased '' boot from XXXX. I paid with Paypal. Never received the product or any communication with fraudulent seller. Paypal registered this as a transfer to Friends and family. I paid {$96.00} and no refund and never received the order and never had any communication with someone called " XXXX XXXX '' which clearly sounds like a 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 monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: IL
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:
There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been working diligently for a number of years to improve my credit rating. We recently purchased a property. The credit check was run by the insurance carrier. I was surprised by the comments on our notice from the Insurance Carrier so I sent for my report. Under " Adverse Accounts '' late payments that are more than 7 years old continue to appear. I would like these removed as I believe they negatively impact our credit score as well as the interest rates being offered to us by Credit Card companies.

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 2022-07-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card is working for deposits to the account, but not for expenditures. The card has over {$4000.00} on it now, but I can not buy anything with it or take money out online or in person. There is no way to contact customer service. The contact numbers are U.S. : XXXX and International : XXXX. When I call these numbers I just get an error message or hangup. I have called dozens of times over several weeks. 

When I go to my online account, there is no option to email or chat for help with my account. There are no notifications of any problems with the account on the online account. I receive regular emails from the credit card company about my account, but there have been no notices about any problems with the account or the card. The emails do not allow me to reply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have written to XXXX several times as well as to Transunion and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

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 2020-04-01
Company: JPMORGAN CHASE & CO.
State: AZ
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:
This is my second CFBP compliant. I am asking for PROOF of a 1099-C that was NEVER RECIEVED at my then address XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The response from Chase simply says yes we did and no we didn't receive anything back. The 1099-C HAS NEVER BEEN RECIEVED at anytime when I lived in that address. In addition you have NOT PROIVDED ME WITH A COPY as requested. You did provide me we letters you state were sent to me by 3rd party collector that my ACCOUNT WAS SOLD TO back in XX/XX/XXXX/XX/XX/XXXX, which makes it hard to believe that Chase can write off my account after they sold my account to 3rd party collectors. I am continuing to dispute the 1099-C that was allegedly just " mailed '' not with any signature requirements in XX/XX/XXXX. If Chase was planning to write off this debt which appears they " bought '' back from 3rd party collectors then I should have been notified in writing of such and been offered the opportunity from Chase to attempt repay the debt they had bought back. 

After receiving the first response from Chase EO I have contacted XXXX at XXXX ext XXXX as well as XXXX and left messages with NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item 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 2020-01-27
Company: Experian Information Solutions Inc.
State: NJ
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:
I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please

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 2020-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Wells Fargo checking account as part of a promotion to earn a {$400.00} bonus. I set up part of my salary to be direct deposited to the account each month. I used this part of my salary to pay my rent as recently as XX/XX/XXXX. Because of COVID, my girlfriend lost her job, so I began transferring money out of the Wells Fargo account to my XXXX account that I share with my girlfriend so she could use the funds for expenses. Last week, I logged into my Wells Fargo account to check if I was paid, and the account was closed. I had, and still have not, received any communication at all about my account being closed. I have not received a single email, letter, or phone call. Because my account was closed without notice, I went past due on my rent because the account was not open to receive the deposit of my paycheck. When I called, the representative that I spoke with agreed with me and did not think it was right that my account was closed. He said the reason was no customer initiated activity in the last 60 to 180 days, but again, I had recently paid my rent on XX/XX/XXXX which he acknowledged. Wells Fargo closed my account for a bogus reason as a bait and switch to avoid paying out the promised bonus.

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 2018-02-12
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX credit card account was closed inXX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XX/XX/XXXX with XXXX  and Experian ( XXXX is reporting closed status as of XX/XX/XXXX). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX  multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account 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 2020-11-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have notified Wells Fargo in XX/XX/XXXX that I had been furloughed from my job in XXXX due to COVID-19 and that I would be having trouble making the regular monthly payments on the account until I am back at work. 

I am still unemployed as my furlough has been extended indefinitely and my NJ unemployment benefits will end the week of XX/XX/XXXX. As such I will have no ability to continue to make payments on this account. 

As Wells Fargo has refused to provide me with a settlement on this account I will be forced to default on this account as of 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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX Someone has purchased with my debit card XXXX XXXX tickets and groceries from a XXXX. Totaling almost {$1300.00} I called the bank when my purchase was denied and found out I had unauthorized transactions. I disputed them with my bank on the XXXX when I found out and on XX/XX/XXXX Bank of America denied my claim of fraudulent acts to my account. 2 x {$35.00}. for overdraft fees XXXX XXXX {$19.00} XXXX XXXX XXXX {$230.00} x XXXX XXXX {$430.00} XXXX  XXXX {$250.00} and {$27.00}. Bank of America is not backing their Guarantee and promise saying the activity in question was posted correctly! That's not even possible. The purchases were made in another state first off and I never made these purchases. I've been a good loyal customer for years and now I can't trust them at all. I work hard for my money. I need that money back.

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 2018-02-12
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened on XX/XX/2016, at  Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.

Company response to consumer: Closed with explanation