BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
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 belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX2020 XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. 

If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 


COMPLETE CREDIT SOLUTION - XXXX Not my account COMPLETE CREDIT SOLUTION - XXXX Not my 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 2018-03-01
Company: Weinberg Mediation Group LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail yesterday from phone number XXXX XXXX, it was a very snotty rude woman saying she needed me to call her back " immediately ''. Yesterday was the first time this number has ever contacted me. Last night the same woman called my XXXX year old dad, and left him a horrible voicemail that I am " avoiding her '' and that this will be sent to their attorney 's. Needless to say it made my dad very upset. The number they leave for a call back is XXXX XXXX. In googling this number people have reported many issues of people harrassing them from this company, and being scammed out of money for debt repayment on debt they don't even owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from a business a XX/XX/2018 and Wells Fargo refuses to release my funds until XX/XX/XXXX despite the fact I also deposited a check from the same company in a different amount a week prior. Those funds were available next day. I requested the deposit be cancelled so I could take it somewhere else and they refused. I have less than 50.00 now to last a week and can even buy groceries for my family. Their fraud department decided it looked like fraud since I deposited from the same business but thats usually how payroll works! Instead of someone picking up. Phone to verify, I have to wait 10 days without my money!

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 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Following my workers comp XXXX on XX/XX/15 I began receiving an invoice for a XXXX  to XXXX  the XXXX  on my XXXX XXXX. I called XXXX and explained the charges are to be submitted to the Dept Of Labor. The company later sold the invoice to a collection company, XXXX XXXX XXXX XXXX for collection. This company was also notified of the case number for workers comp and they returned the debt to XXXX. The debt was again sold, this time to KLS Financial Svcs, who have harassed me relentlessly for an inflated collection amount that I am not responsible for. 

XXXX XXXX XXXX XXXX has allowed KLS to place a smear on my credit file and has not assisted me in removing this inaccurate information. Following the credit dispute process both XXXX  and XXXX  cleared my file, but XXXX  is expecting me to work it out on my own. 

I have complete documentation of my workers comp case file and request my credit file be cleared of this slanderous accusation about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: TN
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:
2 XXXX XXXX XXXX accounts are still showing on my equifax credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. Equifax has yet to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In regards to the attached transactions on my citibank account, citibank has FAILED to refund my money or offered any assistance as to the proper way to get my money back. 

I expected to receive an all-inclusive 4-night stay at XXXX XXXX XXXX for two adults, complete with roundtrip airfare from XXXX XXXX XXXX XXXX airport and XXXX Airport. The expected date of service was Monday XX/XX/2020 to Thursday XXXX XXXX. 
I made 9 payments for this vacation in the total amounts : XX/XX/2020 {$190.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XXXX XXXX {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} TOTALING {$2200.00} The merchant, XXXX, posted a letter to their website on XXXX XXXX stating that they suspended regular operations. This letter also states that in order to receive reimbursement for the charge processed with XXXX you need to call and work with your bank DIRECTLY. 

XX/XX/XXXX. 2020, I made several attempts to reach XXXX by calling their customer service line +XXXX XXXX which was deemed invalid. No calls were being taken, the phone line had been disconnected. I also tried calling their Guest Services at XXXX XXXX which was also disconnected. 

On XXXX XXXX, around XXXX, I received an email from XXXX stating that THEY had gone ahead and cancelled my trip. They specifically stated Your resort reservation will be cancelled automatically. All cancellation fees have been waived. You will need to speak to your credit cards issuing bank for your options as a cardholder. 

On Monday XX/XX/2020 I checked my XXXX   itinerary and noticed cancellation refund popped up for XX/XX/XXXX and XX/XX/XXXX. I chatted with Citibank to verify if there were any refunds from XXXX on my account. I was told to wait 4-5 business days to see any changes. On XX/XX/XXXX, I checked my account and NO refunds had been given. 

I have made several dispute claims since with Citibank regarding the charges made by XXXX. No services were rendered, and the cancellation of my trip by XXXX means that no services will be rendered. 
At no point in the process did I, the customer, request to cancel the trip or any portion of it. 
Citibank has completely FAILED to refund my money or offered any assistance in the matter. At this point in time, I have sent Citibank 3 letters, as well as multiple pieces of documentation, proving that XXXX cancelled my vacation and stole my money. I never went on vacation! SERVICES WERE NOT RENDERED! I do not know how many times I have to explain the situation to citibank in order for them to understand that the services I paid for were not rendered, therefore I am owed all of my 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 2018-07-27
Company: Crow Creek Sioux Tribe
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I were out of town without money and I looked up online a site that helps you find a loan right for you. When I came across this site it was one that was chosen. I do not remember the site that helped in finding this one. We got approved for XXXX right away and the money was deposited. It asked for my husband 's information including bank account so we assumed it would be taken out on the specific dates. They never have taken out a payment and we didn't realize that it was a 466 % apr! I have never heard of a company being able to do that! Needless to say we are heartbroken we have now a loan that we owe for {$1900.00} for a {$1200.00} loan. We are already struggling and then this happened. There is no where to pay it off online and my husband works the hours that he needs to call. When I called they said they could not speak to me and he has to call. while waiting on the phone the recording said to pay off online go to XXXX. but when someone answered, she said that he could not pay it off online but others can? Very confusing. And now we are going to be out of money by paying hundreds more! I'm worried that this is going to affect our credit and our hard earned money is going to a bunch of scammers! I cant even find an acct number.

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 2021-02-23
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: LA
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:
filed ftc with these company and filed number attached XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX, XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: GOLDMAN SACHS BANK USA
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:
- On XX/XX/XXXX a series of unauthorized transactions were made on my Apple Card by Goldman Sachs, and were reported immediately to the service department. Provisional credits were made for each, and eventually became permanent, with the exception of the largest disputed amount of {$400.00}, which was charged at an undisclosed XXXX XXXX location. 

- The investigation resulted in a reversal of the provisional credit, suggesting that I had in fact made the charge myself, which was false. I requested that the dispute be reopened in XX/XX/XXXX, and it took 2 months and weekly phone calls/complaints for them to reopen the dispute and make a decision on issuing a credit. I received an email on XX/XX/XXXX indicating that the investigation was complete, and that I should receive a permanent credit of {$400.00} on my account. However, weekly inquiries have resulted in unfulfilled promises of the credit being applied, and has not been resolved. 

- As of the date of this complaint ( XX/XX/XXXX ), no credit has been applied, despite numerous " escalation requests '' and commitments from representatives that this should be resolved in a matter of " a few days ''. 

- Goldman Sachs is still holding me responsible for the disputed amount, despite issuing an email to me stating that the dispute was to resolved in my favor. " XXXX '' a purported manager in the fraud department indicated this is simply a " IT issue for alot of accounts, not just yours ... '' and that " IT just hasn't gotten around to it yet. '' XXXX was unable to make any promises or commitment for timeline for resolution as of the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I moved and called to close my account. I needed to money from the closed account to pay rent, but was assured I would receive the money in 3-5 days. I gave them my new address and they closed the account. At that point I was no longer able to see my account or access the app. Apparently they sent to check to my old address, their mistake. They wouldnt take any responsibility and would not stop payment on the check until 10 days had passed and then they would issue another check. I have bills to pay and can not wait for this to happen, especially when it was their mistake. They have essentially fraudulently stolen my money.

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 2020-11-19
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 belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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 belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020, I received a phone call from American Express business gold card offering me a credit card for my business, I was not interested but the agent convinced me that will be very beneficial to my company as far of credit line with no preset limit and travelling etc. She was very persistent in collecting my company and my personal information. On XX/XX/2020, I received a phone call from their approval department stated that they just need to ask me a couple question to complete my application and after a few minute on the phone they said that I was approved and they transfer me to a different department to determine my credit limit and the agent that I was connecting with told me that I was approve for {$5000.00} with no preset limit, that's mean if I made a purchase for over {$5000.00} it will automatically approved but I have to pay the difference in full on my next billing cycle, I was not satisfy because I was expected more and the fact I have to pay a {$290.00} membership fee upfront, but after a lot of convincing I accept. 4 months after I try to make a purchase for only {$2000.00} and it was declined, when I call American express they told me they information that I was given was wrong that I was only approved for a {$1000.00}. I am very disappointed to see how they're cheating customer to collect a {$290.00} fees, I have good credit and personal credit card for over {$5000.00} limit, there's no way I would agree to take a {$1000.00} credit line and pay almost {$300.00} upfront membership fee.. I called them and they keep transferring me to different departments, no one ever really help my case, the last supervisor I spoke to told me in 24 hrs someone will contact me and help solve my problem, it's been days and no one calls me back. I need help to get my money back.

Company response to consumer: Closed with explanation