BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was unable to obtain a checking or savings account. I called XXXX XXXX  and I do not owe any financial institutions. Id like to know why Wells Fargo denied me.

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 2022-02-08
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: Information belongs to someone else

Complaint:
I have included attachments, containing all error or inaccurate items on my credit report.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have included attachments, containing all error or inaccurate items on my credit report.

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 2022-02-08
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: Information belongs to someone else

Complaint:
Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however XXXX, and transunion along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action

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 2019-05-08
Company: EQUIFAX, 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:
Not mine. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has violated my federally protected rights under the FCRA. I have called multiple times and sent correspondence trying to get the method of verification of the following accounts on attachment letter and they failed to provide it by mail as stated. The FCRA gives me the right to request the method of verification to ensure my consumer report is equitable and fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report that can not be verified as belonging to me. 
The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed. 
The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested telephone numbers that were listed that were not mine to be deleted from my report. Upon inspection of my report those phone number have been deleted. 
To date I have not received physical proof validating any requests of a physical proof. Transunion, did however email me a link to view my updated credit report - but I have not received a physical copy of it. The only physical letter received from Transunion was dated XX/XX/2019 saying that because I had previously submitted and electronic dispute of the listed addresses on XX/XX/2019 that by law now had an additional 15-days to complete the investigation.

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 2018-01-03
Company: Kentucky Higher Education Assistance Authority
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi my name is XXXX, I have been in contact with a company called Kentucky Higher Education assistance authority, This company has used every deceptive skill available. Whenever I would ask for verification into what company are who I was dealing with, I was always given misrepresentation and received some form of harassment. I still do n't know if the company is a collection agency or are they the XXXX XXXX. I feel from the deceptive forms of communication I have received from this company is brutal and unfair. I reached out to this company after receiving correspondence about a student defaulted student loan. Once I asked them to verify who I was sending information to, I was held in contempt for refusing to verify demographics. From my understanding of the law this company should not have been able to proceed with wage garnishment if I was working with them to rectify the problem. They constantly harassed me with threats of wage garnishments and said that my income tax was due to be garnished as well. The more information I sent this company, the more information they used against me. I worked three extra trips in XXXX to be able to pay off classes at XXXX XXXX in XXXX of XXXX. So, I could continue taking classes in XXXX. My wages was garnished for XXXX on the XXXX of XXXX and on the XXXX of XXXX a total of XXXX or more. I cant understand why I did not receive a thirty day notice stating the exact dates the wage garnishment would go into effect. I also cant fathom that this company still has n't told me if they were working on behalf of a collection agency or a private student loan company.., or the XXXX XXXX. I reached out to the XXXX XXXX for assistance and ask if they could contact me if they were indeed the XXXX XXXX. I never heard back from XXXX XXXX XXXX. I was asking for assistance in seeking out information into whom or what company I was dealing with, however I did hear back from XXXX XXXX once I faxed my personal information to Kentucky Higher Education Authority thanking me for submitting my information to him ( supposedly the XXXX XXXX ). I replied back that I did not send them information, however, confused still. This company XXXX  XXXX has violated so many of my rights. I also cant believe how the XXXX XXXX could form an in-biased opinion if they are working for or with the legal team for XXXX. I asked if this was a private company how come I was n't issued a court date or judgement. I guess since I do n't know who I have been dealing with from the start I started looking for legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I filed a complaint with you earlier ( XXXX ). You have since closed this file but these people have not taken action as they said they would to my previous compliant. Company claimed they closed the fraudulent account. It certainly appears that that is not the case. Today I received a notice indicating my card would not work because it was damaged. In the memo it said do not say it was damaged say it is lost or stolen. Why do I need a card if there is no account? Further I continue to mail from these people about an account as well as a credit builder account which appears to be a second account. These people are impossible to contact therefore I must turn to you. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed an OPEN collection accounts on XXXX of my credit bureau reports stating that LVNV has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to. On XXXX XXXX, 2017 I 've sent LVNV a letter via certified mail regarding this alleged collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on on XXXX/XXXX/17. On XXXX/XXXX/17, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm very puzzled. It is now XXXX XXXX and I still have yet to hear from them with a reply of this contractual agreement bearing my signature that I am asking for. If they do not reply I will have to take the next step to exercise my rights. This is very damaging to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
I am writing to you about my credit card Account Ending in XXXX. We had a great relationship history that darkens a missed payment in 2014. I understand that you are not obligated to help me in this matter. But I would be very grateful to your bank if you can remove the missed payment in XX/XX/2014. I know that according to the rules of credit bureaus, missed payments should be kept in the report for 7 years. It will not be difficult for you to give me the opportunity to improve my credit score. It will give me the opportunity to get the house that I have dreamed of for so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
I work as a XXXX XXXX. Currently, I have XXXX credit cards with J. P. Morgan Chase. They closed all my credit card account in one day suddenly without any type of notifications on the date XXXX/XXXX/2017. I did n't use the card for any illegal action. I did n't violate any of their issued credit card regulation. And I paid all my bills on time, never late for a day during the 11 year period of time. And my credit score is very good. I ca n't not think of any reason why they did this to me without any kinds of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: NC
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:
After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XXXX XXXX0,2017 I sent the credit bureaus letters.
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I waited almost SIX WEEKS, and received ZERO response.
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I again sent another letter on XXXX XXXX, 1017 and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME.
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Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license.
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I am incredibly frustrated by the lack of response from the credit bureaus.
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Nothing i am doing is getting a response or correction of items on my credit report.
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The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT.
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I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of crap. This is n't fair, this is n't right and i am completely disgusted by this.

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 2017-07-15
Company: EQUIFAX, INC.
State: ND
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:
My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my Equifax and XXXX credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: BOEING EMPLOYEES CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. 

I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: Afterpay US Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a XXXX XXXX XXXX XXXX  online purchase using Afterpay. I returned the order and Afterpay continues to try and collect for the balance of the order, even after I informed them of the return. Just today, Afterpay had a debt collector to contact me requesting payment of the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: Credence Funding Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2017, My wife and I closed our loan for our new house in XXXX, CA. It is a VA loan issued through XXXX XXXX XXXX. This complaint is NOT against XXXX. Since closing, we have received several offers in the mail to change our loan from different companies. One we received was from Credence Funding, NMLS # XXXX. On the one page letter, it states the " Payments based on 30 year fixed rate of 2.25 % and the original loan amount of {$250000.00} '', and " Payments are fixed for 30 years. '' I contacted the company today to discuss getting this loan. I talked to XXXX at XXXX. During the discussion, XXXX indicated the current rate was 3.25 % and my P & I would go down approximately {$80.00} per month, ( not the {$240.00} quoted on the notice ). When I questioned him on the published rate on the notice the company had sent me, XXXX said that was for the XXXX  ARM loan, not the 30 year fixed. I explained to him that the notice I have in hand from his company specified it is for a 30 year fixed loan, and did not mention a XXXX ARM at all on the notice, XXXX said it was probably just the marketing group that put out the notice and it is only for XXXX ARMS. I thanks him for his time, and informed XXXX that I was not interested in an ARM, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card statement from key bank on XXXX/XXXX/2017 for a XXXX XXXX card that was closed or supposedly closed 4,5 or 6 years ago??? I spoke with Key on XXXX/XXXX/17 at XXXX XXXX and they said that the account was closed and it was a glitch in the system, I asked them to send me an email or letter stating that the account was closed, they said they could n't or would n't do that?? they gave me a reference number that means nothing to me. I am concerned that someone may try or had used my excellent credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of identity theft XXXX 2017. Since then I have twice faxed information to Equifax in order to place an extended fraud alert on my report.
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Neither time have I heard back from Equifax.
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I am attaching the documentation that I have faxed twice to Equifax.
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Thank you.
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XXXX XXXX

Company response to consumer: Closed with explanation