BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Applied Data Finance, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a Wells Fargo account like 2 years ago and from my understanding I qualify for the settlement thank you very much

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 2018-07-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Friday XX/XX/XXXX, my subscription XXXX had taken their weekly payments of {$18.00} and {$9.00}. Right after the bank charged a overdraft fee for both pending transactions. My balance was - $ XXXX. That night at XXXX I made 2 deposits. One deposit was an atm cash deposit of {$240.00}, 2nd was a check deposit at the same Atm of $ XXXX. Saturday I spoke with a representative, My balance was $ XXXX by the time I gotten everything situated on the phone. Today I check my account and XXXX returned the payments the bank said they paid and charged me the overdraft fees in the first place. My balance was suppose to be $ XXXX. I shouldnt be charged a returned fee for payments I already paid a overdraft fee for.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
3 Fraudulent Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$20000.00} Opened XX/XX/XXXX {$9000.00} Opened XX/XX/XXXX {$2100.00} Opened 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 explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions 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 have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY

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 2019-08-23
Company: Phoenix Financial Services LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I learned your organization has reported a balance of {$210.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. 
I have requested additional information from your representatives via phone but have not received any original documentation showing dates of service or information regarding the patient. 

Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a loan with XXXX XXXX XXXX XXXX ; in XX/XX/2015 I was unemployed and was struggling to make my mortgage payments. I found a job after 6 months of unemployment ( at which time my mortgage payments were made on time ). However, when I moved out of state I was going through the process to sell my home ; I contacted XXXX XXXX to let them know that I could not pay my mortgage on time and a rent payment in a different state and did not want to negatively impact my credit score. They told me that since it was an FHA loan that I would not have my credit score impacted by this since I was in the process of selling the house and they would be paid in full. They still reported late payments to the credit bureaus and even changed the locks on my house. After the sale was complete I contacted them about removing these derogatory remarks and they told me that it could not be done, even though a representative told me there would not be any impact. This is seriously hurting my credit worthiness years down the line and impacting my ability to be approved by work credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
Upon reviewing my consumer report I noticed a fraudulent account being reported and I was already a victim of fraud due to the Equifax data breach. the account below is fraudulent XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
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 have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX ) Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
contacted company for verification of debt by sending copies of documents from the original creditor confirming i agreed to their services, accounting info etc. I received a letter for a settlement without any confirmation this account belongs to me or is accurate

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 2017-09-14
Company: EQUIFAX, INC.
State: IL
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:
Recently Equifax had a data breach. According to https : XXXX, I am impacted by this data breach issue. I tried to get my annual free credit report from Equifax, and unfortunately, Equifax website told me that they can not identify my identity online. I tried to call them, and get no answer. The only way was to sign up to their service. I believe that Equifax is using this data breach opportunity to force me sign up to their service, which is definitely improper use of my data, and is very disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a transfer between my Chase accounts for {$6300.00} on XX/XX/25 and Chase will give me no time frame as to when these funds will be available. Please keep in mind this is from one Chase account to another so I can pay bills through my Chase checking account. I have spoke with five employees and only told they have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: GA
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 tried from the beginning of XX/XX/XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

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 2023-02-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
In XXXX XXXX I was sued by Capital One, I was never served. I had been living at the same address for 5 and a half yrs. during the time of the filing. I only became aware of the judgement when they attempted to garnish my wages. It was a nightmare as well as an embarrassment. My employers Business Mgr. gave me the information, I told her I would take care of it immediately. I called the attorney, XXXX XXXX and paid the amount he gave me. I should have asked for back up information what I was paying for but the judge had already made his judgement. I received a letter from XXXX XXXX confirming that payment had been made. At some point in XXXX I must have accepted an offer for a credit card from Capital One again & I accepted. But confusing things started happening ; like getting emails telling me my card that they said had only a {$450.00} balance, was now over by {$300.00}. The email referenced a card ending in XXXX. I checked and that was my card, but my statements said I had a {$750.00} credit limit. I emailed my confusion but never heard back. I rarely used the card because the interest was very high. I didn't pay much attention to any emails from Capital One as I new I had a XXXX balance and the card was due to expire around the time our house burned down. We lost everything but 3 days later I went back to the house and did a little, careful walk thru just the part that was safe. I tried to find important documents, etc. I was able to collect a few boxes of singed paperwork & a few family photos & military items, that was it. That's where I found the judgement & letter. I've been working on my credit for a few yrs. now. I've tried to contact Capital One by mail. They keep sending monthly summaries for that card that should have expired in XXXX. If they sent out a new card I never received it. I don't think anyone did, but if it wasn't activated why do they keep sending me summaries XXXX which all say {$0.00} balance )? But they are constantly running inquiries on my credit reports, all 3 and I want them to stop. I don't want any credit from Capital One. I haven't applied for anything from them, I don't owe them anything ; I'd like to know if it's legal for Capital One to just keep running inquiries? I have attached all the documents backing up everything I have mentioned here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. Equifax, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature.

The company committing the fraud ( XXXX  ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL.

XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form.

According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card.

Yesterday the Discover Fraud Team ( XXXX  ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected.

Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected.

Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud.

I was only told this on the phone ... .I have not received any written statement explaining their position.

I have copies of all written communication.

My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX continues to report a collection to Experian and XXXX  that was removed through dispute process by XXXX. This is causing a huge gap in my credit scores and they should be accurately reporting ( by removing said collection account ) to all 3 bureaus. This is a debt that I was not the guarantor for and any attempts to amend the inaccuracies have come short due to XXXX XXXX XXXX lack of decent customer service skills. The attached email from the original leasing company clearly states the guarantor name. Additionally it states the accurate date of first delinquency which is nearly a year prior to the reported collection. After 2 years of haunting my credit report, this collection must go.

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 2021-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021,, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Was not notified of investigation status or results

Complaint:
it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DEPT ED/NAVI {$1600.00} DEPT ED/NAVI {$2200.00} DEPT ED/NAVI {$7000.00} DEPT ED/NAVI {$3900.00} DEPT ED/NAVI {$4600.00} DEPT ED/NAVI {$2600.00} XXXX {$1300.00} Fraudulent student loans were acquired in my name. Im a first time home buyer. I just found this out last month on my credit Report. These have. Even hurting my score for some years now. In which I had no knowledge. 

XXXX is also a Fraudulent account that was acquired in my name. Now knowledge of this XXXX XXXX Account.

Company response to consumer: Closed with explanation