BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: FL
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:
Date : XXXX/XXXX/2017 Attempted to obtain Equifax Free Credit Report online due to inaccurate information. Equifax has consumer fill out online form but nowhere on form does it specify reason for obtaining " free credit report '' ( e.g. inaccurate information ). When you get ready to get online report the website states " free credit report not available online '' ; then in other areas Equifax tells consumer the free report is available online. 
This is a tremendous disservice to the consumer who is trying to get the free credit report either annually or for those with a reason ( inaccurate information, unemployment, etc. ). In my opinion it serves as a way to dissuade the consumer from getting their report. 
After all the problems EQUIFAX has had that has done damage to the consumer you would think they would go above & beyond to serve the consumer. They should be put out of business if they ca n't do what they are supposed to do as this is negatively affecting the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied XXXX XXXX credit card in XXXX XXXX it stated in their website that " Earn XXXX XXXX Starpoints after spending {$3000.00} in first 3 months ''. I hit the spending threshold in XXXX, but now, 5 months past, I still do n't get my welcome bonus points. 
During that time, I tried to contact their customer care by phone and online chatting no less than 10 times, they just keep asking me to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
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 Credit Bureaus are reporting inaccurate information on NET CREDIT. 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I made a transaction on this site named XXXX  to sell a hoodie for {$620.00} through PAYPAL. He only recently said that it had flaws/was not as described so he tried getting a refund, which I thought was peculiar. 

What was also suspicious was that, on the site that we made the transaction on ( XXXX ), his account had been frozen/banned. Accounts are usually only frozen/banned when someone is trying to scam someone on that website. 

Nevertheless, I was still willing to refund the buyer of all the money paid ( {$620.00} ), if he had sent back the hoodie. However, he only sent me a fake package stuffed with empty boxes inside to try to scam me. I've attached a video of me opening the box that he sent since I was suspicious and knew this was a common buyer scam that exploits PayPal 's policies. The tracking number on the package is the same as the one he sent when he escalated the PayPal claim. 

I have tried escalating this claim to PayPal but they have sided with the buyer. I called several times trying to work this out with PayPal, but they would not accept my video of me opening the FAKE package, or abide by Seller Protection which should have prevented the refund since the buyer did not even send the item back. 

I have time stamps of when the fake package was delivered, and when I opened the video, which was an hour after the package was delivered. I've also screenshotted the weight of my original package, which I'm sure does not line up with the weight of the package the buyer sent me, since it was just empty boxes. 

Please, I am just trying to dispute this since he already has my item, I do not want him to steal my money as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like my information corrected

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 2022-03-13
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX monthly payment was not collected due to insufficient funds due to the a same day deposit to cover the mortgage was deposited on the same day causing insufficient funds. XX/XX/2021, Nationstar withdrew XXXX payment making my mortgage 30 days late. No other mortgage payments were withdrawn after XXXX payment. In XXXX, my tenant of the property financed by Nationstar notified me of a balance of {$2400.00}. My privacy was violated because the tenant opened mail that was not to be sent to the financed property. The mailing address on file is my residential address but Nationstar mailed the letter to financed property without my approval. I was not notified by phone because Nationstar didn't have my phone number on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Business Card Services contacted me in early XXXX saying they needed to verify my company 's legal status. According to them, I could do this by submitting either my social security number, my companies ' FEIN, or resale number. I believe there was a XX/XX/XXXX deadline to provide this information, or else my account would be closed. 

I called Chase in late XXXX / early XXXX and spoke to a customer relations person. I gave that person my company FEIN, and was told that ( for some reason unknown to me ) they were not able to verify the information I gave them. The person then asked me to fax them documentation that included my company FEIN, such as a tax return or a business license, which included my company resale number. I did so on XX/XX/XXXX by faxing them my company business license, which included my company resale number AND my company FEIN. I have proof of sending this fax. 

So, I submitted the information they requested WITHIN their time deadline. 

I received a letter from Chase dated XX/XX/XXXXsaying thank you for submitting the documents they requested, but that the information was not complete and my account will remain closed ( it should not have closed in the first place ). 

I want my account re-opened. NOt only does my company need access to credit, there is now information in my companies credit profile that states credit has been taken away by Chase, which ofcourse is detrimental to my company. I have been current in all my credit accounts, personal and business, including the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 non-monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: MN
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:
The following credit inquiries listed on my Equifax credit report are not my credit inquiries : XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX, XXXX , XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX, I didnt apply for credit from the listed creditors. The credit inquiries are unauthorized and fraudulent credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
The reason for my complaint against Bank of America is because I have a corporate card with my business XXXX XXXX XXXX Tax ID XXXX. This card was used fraudulently for multiple purchases. I reported the fraud as soon as i was made aware and spoke to a representative i believe it was sometime in XXXX. I explained to the representative the the phone number on file XXXX was no longer a valid number for me so i did not receive any type of communication in reference to the usage to this account. I also requested for the phone number XXXX to be updated as this is the most current number for me. I was given a case id XXXX for the fraud case. They told me i am not responsible for any unauthorized charges and that i do not need to make any payments on the account. I was never contacted by an investigator and on multiple occasions called in to check up on the case. They advised that they have everything that they need to finalize the claim. On XXXX XXXX Bank of america wrote the attached letter and i did not receive until XXXX XXXX after they went in to two of my Bank of america checking accounts and withdrew approximately 27K. They say the inconsistent details was provided but i have not spoken to anyone in reference to this case since I filed the claim back in XXXX. Bank of america is acting unfair and biased as to when it comes to this claim, and have caused great financial stress and harm by removing XXXX out of the checking accounts. I have already requested an appointment with a lawyer in reference to this cause these charges are not valid and were not done by me or anyone that i know.

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 2022-02-18
Company: WELLS FARGO & COMPANY
State: MD
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:
On XX/XX/2022 I sent certified mail to this person and they received my dispute letter on XX/XX/XXXX, according to XXXX records. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. The XXXX explained that since this person has charged off the account that they're reporting, said account is now considered earned income. Income does not get reported to consumer reporting agencies. However, they are actually still reporting the account as a bad debt/charge off which is inaccurate and against federal law. There is a section in the XXXX that governs this person and they are violating federal law in multiple ways, including the XXXX. They should not be reporting any account with my name because I do not have business with this person and I've clearly provided them with enough information about their willful noncompliance and disregard for federal law and enough time to delete the account. They are still reporting this inaccurate information and it needs to stop plus be deleted.

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 2022-03-13
Company: EQUIFAX, INC.
State: VA
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:
Equifax Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, Equifax keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. 

Equifax is reporting the account as an active retail account. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had requested for a consolidation option for my son. Upon receiving quotes from XXXX and Navient regarding a consolidation they sent me information in late XXXX early XXXX ( XXXX ) informing me that my application was under review and that I would receive a packet in the mail that would allow me to decide if the options presented to me would work. I was told over the phone that nothing was solidified and that until I receive this paperwork I would not be set into a plan. Well, I did not receive the paperwork in the mail and on XXXX XXXX, XXXX my loans with XXXX were bought from Navient for a total of roughly $ XXXX. I called to question this and was told that because my lack of response, I was automatically enrolled in a 25 year plan for repayment with this consolidation and because of this consolidation, I could no longer adjust the terms. I was upset because I did not sign any paperwork and was never aware of the plan, interest, or the consolidation holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Genesis Lending
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX XXXX. I only owe {$360.00} with {$6000.00} credit limit. I make the payment every month in XXXX XXXX in the Mall. Today I came in to make my payment. I was told my card was invalid and they could n't make the payment. They said the credit account was transferred to XXXX XXXX. I was transferred to them and they no idea who I was. I called XXXX back and they have no idea who has my card and who I make the payment to. I am almost sure this is illegal and I am trapped on who to make the payment to and it is due in 5 days.

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 2020-11-10
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: Account status incorrect

Complaint:
Experian refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company XXXX XXXX XXXX can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent Experian the letter that states the company is ceasing collection. Nonetheless, XXXX XXXX XXXX fraudulently keeps validating the debt dispit not having proof of ownership for 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 non-monetary relief
Consumer complaint received 2022-03-13
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:
The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX  ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
XXXX Has Listed 39 Opened Accounts. FALSE. 

XXXX Does Not Indicate That I, The Customer, CLOSED My XXXX  Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX I used a XXXX account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using XXXX for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by XXXX to discuss possible fraudulent activity on my account. XXXX representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my XXXX account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. XXXX recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by XXXX stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my XXXX account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by XXXX stating that I owed charges for a purchase in XXXX of the stated laptop above. XXXX stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. XXXX stated they understood this, but I was still responsible for the charges. Please help

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