BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: UBS BANK USA
State: FL
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 customer service

Complaint:
UBS CUSTOMER SERVICE REFUSES TO UPDATE ADDRESS STATING THEY DONT HAVE MY ZIP CODE ON FILE ETC., REFUSES TO TRANSFER CALL TO SUPERVISOR, AGENTS ARE RUDE AND ROBOTIC. ASKING FOR ACCOUNT NUMBER REPEATEDLY. NOT SURE IF I WOKE THEM UP WHEN CALLING AT XXXX XXXX   BUT I NEED MY ADDRESS UPDATED AND PHONE NUMBER UPDATED AND CAN NOT GET IT DONE. UBS HAS A CONSISTENT PROBLEM WITH CUSTOMER SERVICE AND THIS SHOULD BE NOTED ON THE NEXT OCC OR CFPB REVIEW OF THIS ARM OF UBS. ABSOLUTELY INEPT CUSTOMER SERVICE AND THE AGENTS ARE MERELY A SYMPTOM OF THEIR PROBLEMS, THERE IS A COMPLETE LACK OF LEADERSHIP IN THIS BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/XXXX I made a booking for XXXX. it was a bus service in XXXX. When I reached the bus stop, they had no instructions on how to find which bus we are suppose to get on. Then, the customer agents there did not speak XXXX. When we found the bus with a lot of struggle, they refused to let me and Friend get on the bus. They claimed that there was only one ticket on the reservation. I showed them my reservation and they lady checking in clients for bus refused to look and did not let us sit. 
I explained this to chase and they opened a dispute. The dispute letter was sent out in mail and they asked me to sign it. Then I received another letter in the mail saying to accept or refuse the claim. I refused it and went to the chase bank branch office to fax it. The bank claims that they never received my signature and closed the dispute. Then another agent on the phone claimed that they don't even accept the dispute and resolved in the bus company favor. I believe that chase is being ethical towards this claim and would like some further help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX XXXX {$9500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5500.00} XX/XX/XXXX - Acct # XXXX Amt {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}

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 2020-05-31
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 {$500.00} This account is an result 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 2019-02-21
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
everything started since XXXX of XXXX the lender sent me a reimbursement check of my account = prepaid credit which occupied for one year the check was XXXX dollars, at the time of sending it I had just moved to the city of XXXX and I communicated them to make the change and thus canceled that check, unfortunately the check was stolen and deposited by an unknown person, for 5 months I was under an investigation of this bank accusing me of having taken the check and I sent all the evidence they needed and letting know that never received it, at the time of making the chance of my address with an agent the bank system do not keep my address correctly as they explained to me and generated an erroneous address causing now to be a victim of identity theft, in XXXX of XXXX finally after 5 months they arrive at the end of their investigation and they determine that I do not change or receive that check and they make my refund and increase credit to XXXX dollars something that I found good but resulted in a nightmare because now they made a change to my last name which resulted in another research and request the person who communicated with me was a person in English that although I defend my English It is my native language and I demanded that I should send a specific document that could not be another that should be that or that otherwise closed my account to what I had to access and this is very traumatic for me since after having me for months without any response and now do this and I communicate with them for a solution and it's like he does not care this is my last option I hope your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from Revco Solutions advising that I had a debt owed to XXXX XXXX XXXX {$330.00} ) and XXXX XXXX XXXX ( {$120.00} ). There was no additional information verifying that this debt was valid and belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: MI
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Equifax : 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 explanation
Consumer complaint received 2018-10-10
Company: MOHELA
State: MI
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 graduated collage in 1995 with {$23000.00} in loans. Ten years later I owed over {$50000.00} and today I owe almost {$80000.00}. It seems like the more I pay the more I owe. The first ten years I had some financial difficulties due to a bad marriage. My then wife was paying the bills and without my knowledge she took a forbearance on my student loans. For the past ten years I have been on the Income based repayment plan and every year my balance goes up.

Last month I called MOHELA to ask why my balance keeps increasing. For the first time I was told that my plan doesn't cover my total interest and the remaining interest is added to my account.

I then asked how long I have been on the plan and the information I get is confusing. One person says I have about 9 years in and another person says I only have about 3 years. Through a work benefit I went back to school to take a few classes and MOHELA automatically put me on deferment. I was told this deferment time would count towards the 20 years and I was told it was not. I have asked for confirmation and was told they would send me a letter explaining how much time I have but no letter has been sent in almost two months. If I do get the letter how do I know I can trust the information? If  forgiveness is a benefit of this program they should provide you the amount of time remaining in the monthly statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters to letters to the Midland company in regards to said debts owed it's owed and for them to validate which they refuse to acknowledge and keep sending an automatic one page statement. This is not proper communication or collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to send a XXXX payment to my sister for {$290.00} though my online banking account with Chase, something I have done numerous times before, though not to this particular recipient. The next day I checked my email and had a message from Chase saying there was an important message regarding my transfer, which had been cancelled, and that I should login to my online account to read the details in my Message Center. Upon trying to log in, I received a screen telling me my online access had been blocked, due to " suspicious activity '' on my account. I called the number and after speaking with the customer service agent I was told the only way to unblock my online access was to go to a Chase branch in person and present my ID. The problem being I am XXXX overseas, serving in the XXXX XXXX XXXX and unable to appear in person. I was not offered any other means of authentication. I requested escalation several times and eventually spoke with the Executive office and filed a complaint. This resulted in a case being opened and assigned to an " investigator '' who was supposed to help identify other means for me to verify my account. I offered to send notarized IS 's plus a notarized letter from the Ambassador and was told no, that would not be accepted. I offered to go to XXXX, the only U bank here in XXXX for verification and was again told no. I was literally given no options for verification other than the in-person at a branch option. I called back the next day, and continued to be told the only way to unlock my access would be to come into a branch in person. I can only access my bank account online here in XXXX, so without access I am unable to pay my bills, transfer money to my children, verify my deposits and transactions, etc. It was absurd that the bank would not prove another means of verifying myself, other than to come into a branch physically myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: MONEY SOURCE, INC., THE
State: TX
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: Was not notified of investigation status or results

Complaint:
My mortgage company The Money Source has not submitted my mortgage to the credit bureaus since XX/XX/XXXX. I have been battling this situation since XX/XX/XXXX when I found out and I have a log of times and dates of several different representatives giving me inaccurate information as well as indicating a follow up call will be given on the case.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Up today, XX/XX/XXXX, I have disputed a transaction with my customer XXXX XXXX, the dispute was resolved but the Wells Fargo bank is still withholding the fund about {$15000.00}, from my customer XXXX XXXX to three of my account. My customer XXXX XXXX had already paid the invoice at the beginning of 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 2019-02-21
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Creditors negligence ( Chase ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards  with Chase and had only been actively using 1 of them. I was logging into their website that consolidates Chase accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing Chase. I checked online, saw nothing unusual, and I then called Chase who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called chase again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that Chase never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: AmeriCollect
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: Reporting company used your report improperly

Complaint:
Americollect is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/ 2018 my account was presented with a charge for {$39.00} and the bank paid the amount out. This caused my account to overdraw. I had opted for a service when I opened this account that would prevent overdrafts by not paying if there was no money in the account. My local bank was taken over by a large bank and they said that they changed my preferences to allow overdrafts. The said that they mailed me a notice, but I never saw it. The bank then proceeded to charge consecutive overdraft charges every five days. They also said that they were allowed to do this now that they are a different bank then the one I signed up with. Once my account was overdrawn for over a month they forced closed my account charging another {$50.00} for a total of {$320.00} in bank fees, at the time my account was closed after the {$50.00} charge my negative balance was {$360.00}. The amount I am negative in the account is {$40.00} and the bank fee 's are {$320.00}. This is 800 % in fee 's in just over one month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion lower my score 81 points in XXXX despite the fact I been paying on time, no current delinquencies while the other agencies been up. There is absolutely no reason why I drop a whopping 81 to 90 points in a month. Go ahead, review my accounts I even paid a few off. I

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 2023-02-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX have inquries on my consumer report that I did not varify. The grave mishap has greatly affected my livelihood. I would classify this as knowing noncompliance considering the reporting agency is required to validate all information with me prior to reporting on my consumer report. At this point I did send XXXX inquiries to this reporting agency to have addressed yet nothing has been done.

Company response to consumer: Closed with explanation