BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
I am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX  Reported : XX/XX/XXXX+ {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was placed with XXXX XXXX XXXX XXXX and I settled with this for 25 % of the balance {$5600.00}. This account need to be closed as Settled in Full in Barclays system as well as on my credit report. I have a settlement letter from XXXX too!

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2021-09-13
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: Investigation took more than 30 days

Complaint:
I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: OR
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 I had seen 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 have been ignored of my disputes. I demand these items be deleted immediately or I will file for litigation due to the stress and anxiety you caused me. I know these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have filed a complaint with the better business bureau because to my knowledge I do not recall these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive a response because clearly they arfe ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Resurgent Capital Services L.P.
State: IL
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:
LVNV Funding LLC has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with LVNV Funding and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, LVNV Funding LLC has committed multiple violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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:
There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I found that my identity has been compromised after another debit card was opened in my name. I found the BMO credit check from XX/XX/16 subsequently on my credit report. I then received a letter today requiring me to contact a representative of the bank, though the provided phone number went to what sounded like personal voicemail. 

I called the company prior to receiving the letter, a customer service representative was unable to provide any information about the fraudulent account and told me I would receive a call back within 7 business days.

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 2017-11-27
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
1. I have asked for, and have been repeatedly ignored, apparently, regarding overdraft protection/coverage and fees. There has to be a way to end the overdraft protection. I never asked for it, I can not afford it. 

2. I do not want unauthorized charges coming in to be overdrafted. Not in my son 's account ending in XXXX and especially in mine ending in XXXX. Especially those which I have attempted to block. 

3. Since I have asked for this repeatedly and, apparently been ignored, I am asking for a refund of {$320.00} in overdraft fees. See attached. 

4. I called in several weeks ago and asked that a charge I am not familiar with and had not authorized- be stopped and blocked. The agent on the phone said he would waive the fee and do this. 

5. I do not want my account closed. I have important authorized withdrawals coming out which are necessary to turn around my credit. 

6. I need to know which branch is the location with whom I can speak with a personal banker. I have been told that the branch in XXXX XXXX XXXX is not mine, and have been told the same at the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested to have XXXX XXXX XXXX account updated on my credit report with equifax and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo atm ate up my money and won't return it. This incident happened on the XXXX of XXXX, between XXXX XXXXXXXX XXXX and the total amount is {$2100.00}. I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldn't and after 5 minutes of it trying, it just jammed up, and an error popped up 'The ATM can not accept any deposits at the moment '. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldn't do anything because the ATM was not serviced by them. They told me to call the XXXX number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. I submitted the claim at XXXXXXXX XXXX on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there weren't any mistakes this time. Fast forward to today ( XXXX XXXXXXXX XXXX ) they told me that my claim was denied because they couldn't find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well. I received a temporary credit of {$2100.00} on XX/XX/21 and they said that they are looking on the issue. Today, on XX/XX/21 I received a letter which said that the bank could not find any such deposit, so they were going to deduct the temporary credit of {$2100.00} on XX/XX/21. I need help because I legitimately deposited the money and they can check the security cameras on the ATM for the given date. I dont know what steps to take further.

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 2021-09-14
Company: EQUIFAX, INC.
State: IL
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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was 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, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Over the last 20 days, the average calls per day is 7. 
Calls are made at all hours. Some at XXXX, some at XXXX. 
I have called them and asked them to stop calling. They say they will, but it continues. 
They use abusive language, threats and curse words, even after I tell them that they have the wrong number. 
I verified my number is on the DNC list and threatened to file a complaint. They laughed. 
Please help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
This past spring, while applying for a refinance for my home, my credit score dropped causing our lender to require Private Mortgage Insurance.

Now I read that during that time Equifax sent the wrong scores to lenders.

I want Equifax to correct their error and either reimburse me for the additional costs or convince my lender to drop the PMI and refund the extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The website XXXX is stating that I received my credit reports which is fraudulant due to the inoperable website. There is no way to contact the website owners to get my reports. The website simply times out with gateway errors and I can not see my reports.

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 2020-08-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
as previously notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: JPMORGAN CHASE & CO.
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:
After sending certified, return receipt letters to XXXX  on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from CHASE, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
Hello, Im a co-signer on my daughters student loans with Discover Student Loan. She became delinquent while trying to get her unemployment monies during COVID. She called Discover numerous times to go on record letting them know she was trying to get the pin number re-set on her funds from Unemployment Compensation. She had {$2000.00} in Unemployment Money that would have paid her student loans. She was laid off due to COVID. Unemployment was inundated with telephone calls, and it was practically impossible to get through on their phone lines. She was never offered help through Discover. They found multiple call logs from my daughter calls/discussions with their representatives to insure she would be paying. She was assured by a Customer Representative that she would not be turned over to the Credit Bureau. If she had been informed otherwise, I would have stepped in and paid the loan as I am the Co-Signor. Anyway, we spoke w/Discover multiple times, and they admitted an Employee stated this to my daughter in error. They stated they contacted the Credit Bureau to request the reporting be updated, and were advised that there is nothing that can be done to change the reporting. I am not confident that they actually took this step. We received so much misinformation, no call backs, and representatives that stated they could not speak to me, etc. I really do not trust that they made any attempt to correct the reporting. They record all of their calls, and they found the conversation, yet the refused to take responsibility for the misinformation. Anyway, shortly after that statement from their employee my daughter received her unemployment and paid the past due amount bringing the account up to date. 
This is a case of a company not offering any leinency during COVID, and more importantly not standing behind the information that THEIR employees provide to their customers. 
Please provide feedback to my request. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BANK OF THE WEST
State: UT
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:
Bank Of The West is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. I called and paid it immediately but they still have not updated the information on my credit report. This debt has been settled for a few months now and it is still reflecting a balance on my credit file. I need this account removed/fixed.

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 2020-10-10
Company: Lending Club Corp
State: AR
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 a loan with LENDING CLUB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and LENDING CLUB with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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:
Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the XXXX major bureaus ; Transunion, XXXX, and XXXX, and only 1 from XXXX XXXX Bank belongs to me. Transunion, XXXX, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX  XXXX XXXX on XX/XX/XXXX reporting to Transunion and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX XXXX XX/XX/XXXX reporting to Transunion as well as some inquiry from XXXX XXXX XXXX XX/XX/XXXX. On the same XX/XX/XXXX XXXX also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.

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