BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
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 is missing that should be on the report

Complaint:
I am a victim of identity theft and around XX/XX/2019 my XXXX XXXX auto loan was reporting the wrong amount owed to Equifax as well XXXX therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX and Equifax has deleted my account completely affecting my credit score and report. I have contacted XXXX XXXX in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from XXXX XXXX told me that my account should be reporting to all 3 major Equifax, XXXX  and XXXX correctly after XX/XX/2019. I know that XXXX and Equifax has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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 belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
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 is missing that should be on the report

Complaint:
Equifax did not have my loan info. on file, so I added it, when I did it suddenly showed 2 installment loans. I deleted the one and then they showed NONE on my report taking my credit score way down. I filed a dispute with them, they did NOTHING once again, I can not get them to answer me on the phone why this is not on my report, I gave them the loan #, the amt. the everything but yet EQUIFAX refuses to fix my credit score. Why are they allowed to play games with peoples credit when they are supposed to be regulated? I have asked you for help before and YOU did NOTHING .... XXXX is it going to take????????????????????????????????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has purchased a false debt previously owned by XXXX XXXX XXXX. I reported this debt here against XXXX   back in XXXX of this year, 2018. Report number then is XXXX. That company also reported false information to the credit bureaus as did this company, Commonwealth Financial Services. I have called on a recorded line to inform Commonwealth of their error, I have sent certified letters in regards to this debt and I have disputed this debt with the credit bureaus only to have Commonwealth declare the debt to be valid and the derogatory information to remain causing a substantial drop in my good credit status. My next step is legal action if this information reported is not deleted from the 3 bureaus and the debt discarded. This is NOT my debt nor will I ever pay it. I demand Commonwealth to remove my information immediately or face certain legal action. I can provide copies of previous reports showing this debt is invalid while under XXXX  and as well as my previous report and outcome from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I made a request to XXXX XXXX to change my payment due date from XX/XX/XXXX of the month to the XX/XX/XXXX of the month. My reason was that the new payment schedule would better align to the day that I am paid by my job. After submission of my request, my payment due to XXXX XXXX increased from ~ {$590.00} per month to ~ {$650.00}.

After approximately XXXX and a half months ( on XX/XX/2018 ), I submitted a second request to schedule my due date back to the XX/XX/XXXX of the month. I realized that the monthly amount due was too high for my personal budget.

Shockingly, after XXXX XXXX accepted my new request, my payment amount due increased to {$680.00}.

I called XXXX XXXX to understand the increase. In XX/XX/XXXX, the amount due was {$590.00} and I could not understand the increase after only XXXX months. I shared the documents received upon submitting my requests in which no information was mentioned or shared about changes to repayments ( other than date changes ) amounts. Additionally, I walked the loan representative through the payment date change process and showed her that there is zero language around long-term payment increases. The only payment-related disclosure shared was that I may have to make a double payment once the new billing cycle starts.

XXXX XXXX XXXX response was to offer me new repayment terms. Which I did not want to accept. I wanted my amount due to return to its original {$500.00} amount. Instead of providing documentation that spells out how the change occurred, the rep continuously pressed me to consider extending my repayment terms.

I pointed out several times that loan institution provides clear disclosures on neither their website or complementary documents that inform borrowers of the consequences of changing the payment date. In fact, the website simply states : Change Your Due Date to Fit Your Schedule If You Change Your Due Date : It may take up to 2 billing cycles to reflect your due date change.

It may result in two payments being due within 1 billing cycle ( XXXX days ).

Any loan that is in a paid ahead status will be removed from that status, and the next monthly bill will require you to pay the full installment amount.

After my discussion with the loan representative, she admitted that none of my documents specify that I would receive an increase of payment amounts just from changing my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have requested prepaid XXXX master card .Nobody told me upfront that there is a fee {$4.00} per month. 
Also fee is usually charged after 1 month of service .My unexpected fee was charged 2 days after first transaction. 
When I emailed my request to close the card, received response : " The XXXX Prepaid Mastercard is issued by XXXX  XXXX XXXX, Member FDIC, pursuant to license by XXXX XXXX XXXX. Netspend, a XXXX XXXX, is an authorized representative of XXXX XXXX XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. 

Card may be used everywhere Debit Mastercard is accepted. " It actually doesnt answer my question Can you please help me to close card and transfer remaining balance to any of my accounts?

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 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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 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 2018-12-11
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
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 Step 1 : What is this complaint about? 
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 PayPal money transfer to my XXXX XXXX Account, in the amount of {$200.00}. 
Was promised to be completed in one business day, it has been 3 weeks and PayPal will not tell me where my {$200.00} is. 
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 Step 2 : What type of problem are you having? 
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 After contacting PayPal, no more response from the company in terms of where my {$200.00} has disappeared to. 
It's not in my bank and it's not in the PayPal account. 
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  Step 3 : What happened? 
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 After contacting the bank, multiple times as requested by PayPal, the bank ensured no {$200.00} transaction from PayPal has come through or been attempted. 
This has caused a returned items fee in the amount of {$29.00} that occurred more than a week after the expected funds available. 

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 Step 4 : What company is this complaint about? 
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 Paypal 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  Step 5 : Who are the people involved? 
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 PayPal, and I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX year old father who has a XXXX XXXX of XXXX began to complain that his step daughter maximized the spending on all of his credit cards and withdrawing funds from his checking account.. There was {$65000.00} spent from his account from XX/XX/XXXX to XX/XX/XXXX. His prior spending habits had been to withdraw {$400.00} or {$500.00} each month for groceries as all of his bills were deducted electronically. While in a XXXX center, he convinced me to contact Bank of America. We would learn that my father 's step-daughter had opened a debit card in her name under his long standing checking account.. There was no need for her, or anyone to have a debit card under his account. My father advised BOA that he never authorized her to be on the account. When we asked to be provided with the documentation that showed how she was added to the account, we were denied. I changed my father 's address and received a letter from BOA requesting that he remove his name from his checking account and give his step-daughter complete ownership. We requested an investigation from the fraud department and was advised that it wasn't fraud because his step-daughter was an authorized owner on the account. Finally during a three way call between he, BOA and I we were advised that there was an investigation and that there was no fraudulent activity found. We were told that there was nothing that my father could do. We were told that the only way that I could speak on my father 's behalf without him would be if I obtained " POA ''. which I did. I was even told from a representative in North Carolina at the Headquarters that my father 's step-daughter was spending his Social Security and Pension. She even contacted Adult Protective Services. I even contacted the local branch where I was advised by the manager that I could bring the POA documents to them and then I would have access to the account. I scheduled and appointment and did so. Once there, I was advised that " all of a sudden '' there is a major investigation of fraud on the account and the funds are frozen and I could not have access to his account.. My father does not even have access to his own money, including his pension, and social security.. He will be discharged from the XXXX  center on Monday, XX/XX/XXXX without access to his money, needed to pay for his care. My father has the legal right to be provided an update on the status of his checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I have currently over $ 10K in my savings account that I can not transfer out to my other bank. They said my there is a security issue and asked me to send me a copy of utility bill to verify current address. I sent it three times but first two time they said they did not receive it, and third time they say they can not verify. The address on proof matches the address on my account profile. I feel I have wasted a lot of time trying to resolve this. Customer service is sarcastic with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have submitted several letters to the XXXX, Transunion, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX   and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2018-12-11
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a phone call from Jana Ferrell & Associate, they told me that a medical bill was place in their office and they were auditing files for legal processing. I never recived paperwork on this account and I did know that I owe my doctor a outstanding balance but I made payment arrangements with the original creditor.

The rep for the collection company did tell me that the account was in the process of reporting to my credit, but If I made the payment that they would remove it off my credit report. Which I did that. Its been 5 months since the payment in full for the balance and they have not removed it off my credit. I have contact a few time to the company but they tell me that all they can do is report the account as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My XXXX and I have an American Express XXXX card since XXXX and we have always made payments on time. My credit limit was {$9500.00}. 
About XXXX month ago, my card was declined. When I called Amex, they informed me that someone had used my name to obtain an Amex business credit card and had made large purchases. I asked them to start a fraud investigation and they informed me that they had already done so. 
On XXXX/XXXX/XXXX, Amex sent me a letter informing me that they had taken necessary steps to close the fraudulent account and remove derogatory information from my credit report. 
I have made a number of calls to Amex to find out the latest situation but have been transferred from XXXX department to another but without any resolution. 
Yesterday, XXXX/XXXX/XXXX, I tried to use my card again but was declined again. I called Amex and once again, I was transferred to XXXX department to another but without any firm response. All I was told was that my credit limit had been reduced to {$3000.00} for reasons not explained to me. 
I have been a loyal Amex customer and do not know why my credit limit has been arbitrarily reduced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to dispute the following information in my file dispute on the attached copy of the report I received. 
This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information.

Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s

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