BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days and almost 60 days later I have still not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they need to be removed immediately! I demand these inaccuracies be removed immediately or I will file for litigation due to the stress you have caused me. I am trying to get a mortgage to buy a home for my family and this is holding me back. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: AL
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
Team- I have been a loyal client of BB & T for over XXXX plus years and on XX/XX/XXXX, I applied for the new TRUIST XXXX XXXX XXXX  Credit Card with an application ID XXXX. 

Received a letter that the application was received on XX/XX/XXXX and that I would have an answer in ten days. 

On XX/XX/XXXX I received a letter from TRUIST that a CREDIT SCORE from XXXX could not be obtained. I contacted XXXX and there is nothing wrong with my credit report. 

I had this EXACT same problem with BB & T on XX/XX/XXXX whereby they had to contact XXXX. They fixed the problem, obtained the score and approved the credit card. Only after I had to write to the President XXXX XXXX for assistance. 

This is the SAME letter that I received from BB & T in XXXX. I guess they are using the same system after the merger with SunTrust Bank. 

On XX/XX/XXXX after over XXXX hours on hold, I finally spoke with a representative in the credit card department that was clueless. He did not understand the problem and I asked to have my call elevated to a supervisor named XXXX who said she understood the problem was a " feed '' from XXXX and she would elevate it to the XXXX Offices for resolution. 

On XX/XX/XXXX, I was asked to fill out a survey on my recent call to the credit card department and I gave them the worst possible score and wrote a complaint that no one could help me. 

On XXXX and XX/XX/XXXX I received a calls from XXXX from SUNTRUST BANK who said she was following up on my poor service. She called twice and could not help me. She said that she would elevate to Executive Offices to help me. 

NO ONE HAS REACHED OUT TO ME. 

Today, I tried to call Credit Card services and the wait time was well over an hour so I tried the " chat function '' on the website. IT Doesn't WORK. It tells you to call in for help? What is the purpose of the chat function? Try it. 

Bottom line. I would like to have my application reconsidered and approved for the new TRUIST XXXX XXXX XXXX Credit Card. 

Can someone please help me? I have talked to 5 different people and NO ONE SEEMS to understand the problem. 

XXXX XXXX phone : XXXX e-mail : 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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this.

Transunion The following inquiries below were not authorized or consented by me. 

XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX  : XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/ XXXX- XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021

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 2021-12-02
Company: JPMORGAN CHASE & CO.
State: OH
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:
Chase credit card XXXX DE XXXX On XXXX someone has used my card at XXXX XXXX XXXX XXXX XXXX Ohio XXXX charging me XXXX while I was at XXXX XXXX library attending food drive organized by XXXX XXXX XXXX XXXX to pick up free produce. 
I Disputed first time on XXXX full credit was given for $ XXXX then i did not hear from them. So I thought matter is over. 
Again the charges appeared in my XXXX statement XXXX XXXX I disputed again I went to XXXX and received the receipt.Kind of food was ordered I do not eat that kind of food Dog food I do not have a dog at home chicken, fish, turkey I am vegetarian. I asked chase freedom card co. to give me credit I went to branch with XXXX receipt person said you they are working with XXXX, call customer service they say you just wait they are investigating. No one gives correct answer. I talked to my son who lives in California and he has business account with chase he calls manager for help XXXX arranges 3way call with dispute team i talked to lady over phone she said. credit was given that was temporary which never knew until XXXXthen she says card was used physicial by using chip I never knew that either. 
some criminals must have created duplicate card and used it, While I was waiting in line for my turn to come topickup free produce and card was with me in my wallet in my car If I knew credit was given was temporary I could have gone to XXXX to find out what is going on. manager could have shown me video to see who is at the check out if not me but I went in XX/XX/XXXX video was not available after 60 days they delete itXXXX AT Library I was attending food drive volunteer were taking everybody 's address, name driver 's license recording in her XXXX  was there between XXXX and XXXX I attended this food drive every Tuesday of the month. I could ask volunteer to varify my presence at library onXXXX in XXXX but XXXX was too late. program ended on XXXX XXXX XXXX XXXX XXXX was to late to verify any info. from XXXX or library.So I am asking chase to credit my account for $ XXXXchase to give me credit for {$140.00} I did not purchasepurchase that food

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
EQUIFAX IS UNFAIRLY REPOTING FALSE CREDIT INFORMATION ON MY CREDIT REPORT. I HAVE SENT FTC IDENTIFY THEFT AFFIDAVIT TO EQUIFAX 3 TIMES OF THE INNACURAIES, THE REFUSE TO DELETE. I AM A VICTIMG OF IDENTITY THEFT. I SENT CERTIEFIED MAIL OF ALL DOCUMENTS I SENT EQUIFAX WITH THE MOST RECENT SIGNED BY EQUIFAX XX/XX/XXXX XXXX. 


XXXX XXXX FRAUDULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION XXXX XXXX XXXX- FRADULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION. 

XXXX XXXX XXXX : - FRAUDULENT ACCOUNT UNAUTHORIZED BY ME I CONTACT THE ORIGINAL CREDITORS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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 opened a business account on XX/XX/2021 at Chase bank. I deposited a check for {$17000.00} written out to my company. The funds should have been available within 10 days. The bank notified me on XX/XX/2021 that there was a discrepancy because the DBA I filed for the company in the area I live post dated the date the check was written. I sent them copies of my contractors license, link to state consumer affairs which showed me as one of the owners since XXXX this was not sufficient to them, so I asked that they close my account and return my check or funds, and that I would go elsewhere. This they did not do and for the next few weeks we emailed back and forth over ways to get to the bottom of this. it is now XX/XX/2021, I do not have my funds or check back, they have closed my account and I have no access. There is not a human being in any of their departments that seems to be able to get a coherent answer from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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:
Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: FREEDOM FINANCIAL NETWORK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2017 I signed up with Freedom Debt Relief, since that time they've paid off one credit card and I have about nine others to go. There are two cards that are aggressively pursuing me, one has already wiped out my entire account the other is going after my work pay. During this time they've been completely silent, even accused me of not turning in paperwork, which I did several times. I called FDR they said, I will have to handle the two cards on my own. I told them, " this is what I pay you all for '', to that they said there was nothing that they could do. They are not even making phone calls to the companies they're just watching me drown while still profiting off of me. Of the $ XXXX that I have paid them to date, I can account for {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am attempting to buy a home. This account is the only account standing in my way. Over the past two weeks I have made multiple attempts to settle this debt. I have sat on hold for hours at a time before speaking with anyone. Each time, I was given a different Collection Agency to call to pay it. Each one explained to me that they no longer have my account and it was sent back to Barclay, that I need to speak to them to pay it. Thus, I immediately re-contact Barclay who say that they can not collect the payment from me either. Finally on Friday I spoke with XXXX XXXX XXXX who went in to far more detail with me. I was told that I am only required to pay 42 % of the outstanding debt to clear the matter per Barclays standard practice. I was also told that no collection agency has my account. That it is in " limbo '' and until Barclay passes it to another collection agency I will not be able to pay the debt. I was told this could take months to be reassigned to another collector. 
Phone Number to XXXX XXXX : XXXX My Reference and Account Number can be provided upon request

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX Opened XX/XX/2021 {$180.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Overview

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 2021-09-23
Company: Amsher Collection Services, Inc.
State: TN
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 reached out to AmSher Collection Services on XX/XX/2021 asking for VALIDATION of account XXXX XXXX. I was not sent any VALIDATION I was only sent a statement. This is not any VALIDATION the account belongs to me, I demand this account be removed from my credit profile immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Account Control Technology, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is in regards to debt collection efforts being made by a collection agency called Accounts Control Technology.This company without notice began garnishing 25 % of my substitute teacher pay every period since XXXX XXXX. My income as a substitute teacher does not meet U.S. poverty standards my pay is only {$80.00} a day. The company states they are part of the Department of Education. To explain further Accounts Control Technology garnished my check without notice. In addition they only notified my employer about the garnishment. When I contacted them by telephone they were very rude and hung up on me. Not being allowed to dispute the debt prior to garnishment has caused a tremendous amount of emotional distress. It is my understanding that my employer was told not to give me any written information about this matter in spite of my calling and providing written notification requesting a copy of the notification sent by Accounts Control Technology. Most important Accounts Control Technology grossly and falsely overstates the amount of the debt that is allegedly in default. Finally I am experiencing sever financial hardships and am suffering from the impact of the actions of this company. 

In closing I really need help in approaching these people because they wo n't budge and it does n't seem to matter what problems it causes me or that I may have to resign from doing my lifes work because of this. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In the past I had been contacted by Pay Pal however I felt it was a scam. I now see that at sometime ago I created a account however none of the phone numbers connected to my account are under my ownership. I have just tried to rest my password however the code will be sent to a number not under my ownership. Any activity I feel is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AES/PHEAA
State: AZ
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 have been working to re-instate my student loan payments since XX/XX/XXXX because in order to qualify for a mortgage loan, my credit report needs to show my actual payments under the income-based repayment plan versus a XXXX  balance that was implemented with the COVID forbearance. I did get my payment plan re-instated in XX/XX/XXXX and made both XXXX and XX/XX/XXXX payments on-time and in full on the designated due date. My credit report has not been updated since XXXX and does not reflect my actual payment amount or the XXXX payment which should have been updated by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TD BANK US HOLDING COMPANY
State: NC
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 rewards from credit card

Complaint:
On XX/XX/21 I attempted to close my credit card account with TD Bank N.A. and was informed that I would have to forfeit any rewards balance under their redemption limit of 2,500 points. I have a balance of XXXX  points. I understand a redemption limit for on going business purposes but I'm closing the account. Therefore, I am entitled to any money earned. This forced forfeiture is nothing more than theft.

Company response to consumer: Closed with explanation