BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
after my 2nd and 4xs multiple attempts this afternoon to contact equinox and get my annual report, the online portal doesn't work, I was verified by 2 people who offered me final report by mail. no one in 6 people today could tell me who or why the online system wasn't working. I mentioned that, I was seeing that equifax had many online products and services, yet they were not adhering to making the annual credit report available as required by law. The agents asked questions like '' what was the month and year you last received a credit report???? how would anyone remember??? I was asked the payment, balance and monthly payment for 4 accounts and then 3 or 4 more questions ... .Equifax is absolutely stonewalling consumers out of their annual credit reports. PLEASE let me help you sue them!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: WELLS FARGO & COMPANY
State: NJ
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:
Wells Fargo Visa cut my credit line from XXXX to XXXX Only for the reason I used it more then I had in the Passed only to do work on my new condo.. I allways though is ok to use your card with out any Discrimination it seems in my case thats not true .. 
I am and will stay a loyal card holder and pay my monthly payment on time all the time and for that Im Penalized for being a good customer since I opened my account .in fact there times I have doubled and tripped my monthly required payment ... 
This action by Wells Fargo Visa caused my credit score to drop 54 points on XXXX XXXX, XXXX and XXXX  I asked. if you do this to a loyal card holder what do you do to one who dont pay on time. XXXX  Them?

Not Fair!!!

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 2023-06-13
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: Investigation took more than 30 days

Complaint:
I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to XXXX. XXXX closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to XXXX was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked Trans Union to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you 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 2020-06-03
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX, I have requested all three credit reporting agency reports via online sites as per PA AG explanation " Attorney General XXXX is alerting consumers that XXXX Equifax, and XXXX are providing free credit reports on a weekly basis to users until XX/XX/XXXX '' XXXX  download right away. Other two had the following errors : Equifax " Online Delivery Not Unavailableand XXXX  " Unable to complete your request! After several tries same problem with last two. 
Received XXXX  in mail and it has different information than XXXX  and still not received Equifax ( requested same day above ). 
Questions 1 How do these errors get on these reports in the first place? 
2. How do different errors get on different agency reports if same identity? 
3. What agency has oversight on these 3 and their mishandling of identity? 
4. Since I am presently handling identity theft issues, how do I get ALL my information out of all three since they have proven to be irresponsible and not accountable? 
5. Who's identity is on each agency 's report, Not correct information to be me. So please provide name of person, who gave you that wrong info, date of info.. etc so I can contact that business and find out cause or if another theft of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: CA
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:
While checking my personal credit report, which I acquired fromExperian, XXXX, and XXXX. I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX  on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 Credit Bureaus stated that my account was investigated but how can that be if the dates last active are incorrect, incorrect full name, high credit amounts are incorrect, incorrect account numbers, account status is incorrect, responses to where inquiries came from were left unanswered. How can an investigation be conducted properly and fair according to the law if the information still reporting is erroneous? These are all grounds for immediate removal from my credit reports as it violates my rights under 15 U.S.C. 1681 section 602 A. I was seriously affected and harmed because the Credit Bureaus continue to show this incorrect accounts reporting resulting in a bad credit score. The Credit Bureaus continued to give out incomplete and inaccurate information after I requested the accounts to be validated. The Credit Reporting agencies are all negligent and willfully noncompliant with the laws exhibited for people like myself. XX/XX/ was the latest time that i have sent out disputes via USPS and have not received an immediate delete for the accounts. I demand these negative accounts removed. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days and more than the grace period of up to 15 additional days ( 45 days total ) to respond. The following accounts regarding my claim are as follows : 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 2022-07-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made my monthly payment for my Chase credit card for roughly {$3500.00}. After making that payment, I enrolled in automatic monthly payments. Chase then deducted XXXX payments from my Checking account for a total of about {$7000.00}. Chase argues this was my liability because I signed up for automatic payments after making my monthly payment. I did not have the funds for XXXX payments at the time, and my bank charged me an Insufficient Funds Fee. 

After contacting Chase, they refused to reimburse me for the Insufficient Funds Fee from my Checking account. Instead they said they would send me a check for the now negative negative balance on my credit card. Therefore, the XXXX payments that posted can not be rectified for their system mistakingly posting multiple withdrawals to my Checking account and the Insufficient Funds Fee is my liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-07-16
Company: DISCOVER BANK
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX, my Discover checking account was locked, and the reason stated by them was unusual bank activities detected. And I was told to call the number stated in the bank app, which I did on XX/XX/XXXX. When I reached out to an agent, the agent said that I would receive a reason notice in the letter, and the fund will be deposited to me after 60 days. I told her that my last activity was depositing my company 's check of XXXX dollars, and after the fund was available, I transferred that fund to my other bank 's saving account. The agent told me that this could trigger fraud detection, and told me no way to appeal even though I didn't commit fraud at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Hello, I paid a settlement offer to Javitch and Block XXXXPayment for XXXX XXXX They refused to give me a valid receipt, saying that there is a 14 day hold on my payment, they have the money the amount is gone out of my bank as of today. The company refused to answer the phone to communicate. Their website has an email. I even tried to communicate by email and without success they never returned or replied. 
1. wont answer the phone 2. wont email me a valid receipt but have my money 3. They stated they can not give me a receipt until XX/XX/22 4. Not sure this is a legit company.

5. Wont return emails, calls, nothing They state it is the company policy to not send emails out to consumers so they cant send me a receipt for my money. 
They wont give phone extension to follow-up and they refuse to follow-up

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 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. Before all of that, I'd like to inform you that I am the person making this complaint & I give cfpb authority to investigate this claim. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. I implore your bureau to recognize the urgency of this matter and the severe consequences of continued delay. Identity theft is a crime that erodes the very foundation of one 's security and trust, and the victims deserve nothing less than immediate attention and action. The following fraudulent accounts have been reported on my credit profile : XXXX XXXX XXXX. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

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 2023-08-08
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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2022-07-16
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My employer gave me a Money Network prepaid card to receive my paycheck. I work as an XXXX XXXX XXXX in XXXX XXXX. I live in XXXX, so everyday I have a 2 hour commute. On XX/XX/2022, I tried to withdraw {$600.00} from my account, and the bank denied my transaction. I attempted three times and it kept declining every time. Therefore, I proceeded to checking my account on the mobile app. This is when I realized there were multiple transactions that I nor anyone authorized did not do. These transactions occurred in XXXX XXXX when I live in XXXX. The total amount of money stolen is {$1500.00}. I called to customer service on XX/XX/2022. They said that they would send documents for us to file the claim. They also said we had 10 business days to return these documents. We received the documents on XX/XX/2022. We completed these documents and returned them on XX/XX/2022. Later, on XX/XX/2022, we received a letter where it states the following, " Based on the results of this investigation, your claim has been denied due to the timing and card-present indicators of other recent transactions. You have the right to request copies of the documents that we rely on in making our determination. We consider this claim resolved and your claim has been closed. '' After seeing this, my wife under my authorization called customer service on XX/XX/2022 at XXXX. A representative from Money Network said the decision had made through an algorithm under their system, and that our given time-frame had expired. Because our time-frame had expired and the algorithm stated the previously mentioned, they said we were not eligible to receive our money back. The representative said they received our documents on XX/XX/2022 ; hence, they said it had exceeded 10 business days. However, the letter dates XX/XX/XXXX which is definitely not 10 business days from the day we called nor from when I received the documents on XX/XX/2022. They also said to wait 45-90 days for another solution or to call the Dispute Department XXXX The next day, my wife called the Dispute Operations Department to request the documents they relied on, and the representative said she is unable to send those documents to call another department. I asked for the other department phone number, and she said she could not provide me with the phone number. In order for me to receive the documents, I was told I had to email requesting them. I did and I have not heard back. I am scared to continue waiting more time and lose my rights to get my money back. I do not understand how my timing expired if I received the documents to file the claim on XX/XX/XXXX and I returned them XX/XX/XXXX. I do not understand what documents they used to come to this solution.

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 2023-10-29
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
When a client makes a payment on time or early do not flag their account as delinquent. I made a payment due in full on XX/XX/2023 and my payment due date is not until XX/XX/2023. My account was flagged late on XX/XX/2023. Please resolve your system billing issues with your clients payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid for XXXX items. One item ( the red dress ) came with blue stains at the top. Another item ( the black two-piece set ) dimensions were off. The picture on the merchant 's website shows a crop top and short shorts. However, the shorts were longer than in the picture and the shirt was passed my navel, so not a crop top. I sent the pictures to the merchant, and they said they would give me an exchange or store credit. At first, I denied this offer but when I realized I could not get my money back I settled for exchanging one item for a dress that I don't even want and requesting store credit for the remainder of my money. At the time, the merchant did not have anything else on her site that I wanted. So, she said she would give me store credit. Since then, the merchant has stopped responding. So, I submitted a claim to affirm that was denied because they told me I had to resolve the issue with the merchant and that the merchant told them that there are no refunds due to COVID. However, I have messages from the merchant that offered me a refund and store credit despite these false claims that the merchant submitted to Affirm. I also have messages of me reaching out to the merchant to resolve the claim again and she never responded. As a result, I paid affirm and then disputed the transaction with XXXX and my bank who decided to provide me with a refund due to credit from the merchant not being applied. Now, affirm is charging me again for the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am asking for your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet there are some items passed on that should be remove. Per FCRA segment 605, i am expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. These are the following items that needs to be remove immediately : XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief