BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: WI
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 day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person. 
XXXX has not fully removed items that has been removed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an addition/amendment to my original compliant # XXXX, submitted XXXX/XXXX/17, which highlighted BBVA Compass refusal to provide me a refund of my escrow money due to me from a XXXX XXXX, 2017 house loan closing.
The original check was been returned to them, with receipt of delivery showing XXXX/XXXX/2017. BBVA claims to have sent the check to my correct address, although the US Post Office disputes this claim.
Regardless, in pursuit to just have my money returned to me, I sent an affidavit into BBVA on XXXX/XXXX/2017 at XXXX XXXX, as the customer service representative claimed would expedite my refund due to an escalation case number XXXX. She stated that my issue would be expedited and a new check would be sent to me within 10 days.
On XXXX/XXXX/2017, ten days after the email was sent to BBVA compass and in excess of their own stated actioning timeline, I called BBVA customer service to get the status of my money owed to me. The customer service rep said no action has been taken and the " back office '' is holding up any action. My only logical conclusion is that BBVA is attempting to now penalize me for filing a compliant by refusing to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.

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 2022-04-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recieved a welcome email from Wells Fargo for a new account that I did not apply for. 

Called Wells Fargo on XX/XX/2022. They said the account was fraudulent and will take action to close it.

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 2021-10-26
Company: EQUIFAX, 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:
Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On the dates listed below, I communicated with TransUnion via Certified U.S. Mail. I requested the following actions : ( 1 ) I notifed them that an account shown on my credit report was the result of fraud. I asked that the fradulent account be investigated and removed. ( 2 ) I provided documentation showing my current and correct address requested that it be updated. Neither of these two ( 2 ) requests have been updated or corrected. This, despite, my requesting, in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent : XX/XX/XXXX. I provided copies of my Florida Driver 's License, Current Employer Pay-Stub, Credit Union Monthly Account Statement and copy of my XXXX Federal Tax Form. Lastly, on XX/XX/XXXX and on XX/XX/XXXX. I requested in writing, again, using Certified U.S. Mail and paid the XXXX ( XXXX ) dollar fee with a U.S. Postal Money - yet, the Security Freeze has not been placed on my Transunion Consumer 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 2022-04-04
Company: Experian Information Solutions 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:
I have contacted each credit bureau individually, starting XX/XX/2022. I submitted proof of the accounts being settled and paid and proof that the company agreed to remove. I have disputed these accounts multiple times over the phone and through letters as well as online. Each time the credit agency refuses to update the accounts and the lenders report the information back inaccurately despite the proof of payment I submitted to the Bureaus.

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 2017-10-07
Company: Bread Financial Holdings, Inc.
State: WV
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:
A credit card company fraudulently charged me for " account protection '' that I refused. Then they agreed to remove the charges, but charged me late fees for the unpaid balance that I disputed and they agreed to remove. They stated that they would not report me to the credit bureaus until the issue was resolved, but the have reported me twice as delinquent and owing a balance. I have two letters from them & multiple emails, stating that I have had a XXXX balance since XXXX 2017 and they 're still reporting me as late. This has caused my score to drop by over 100 points. They keep telling me it will be corrected, but the damage is done. I have disputed this with the credit bureaus, but they tell me to go back to the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX called to file a claim on a transaction that had been previously file that ( j.p.morgan chase )  said to contact the company involved, which I did and received an email with the partial credit for the transaction. The operator ( XXXX ) number not properly give that of XXXX and XXXX wether first or last name not given. One was untruthful and saying multiple statements, most disturbing the claims Dept. or ( j.p.morgan chase ) does not receive emails. After hearing multiple untruths I used profound profane verbage to release the frustration of being blatantly untruthful to!!!!!!!!! MULTIPLE TIMES AS A banking client untruthed too. Their was no threats made but very correct and harsh critcism of the operators unprofessionalism, untruthfulness, and incorrectness!!!!!!!! I have contact the CFPB before on the incorrectness of ( j.p.morgan chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.

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 2021-05-15
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: Information is missing that should be on the report

Complaint:
I have been paying or Equifax credit monitoring service and since XX/XX//2021 - I have been unable to pull and get a correct copy of my credit report online. When I pull a copy of my credit file - it comes up all XXXX XXXX  - stating that I have no mortgage, no revolving accounts, no personal information, summary is all zero 's, and no installment accounts. 
I have been talking with Equifax about this issue since XXXX/XXXX/2021 and they keep telling me there is a glitch in their system and they will escalate it and it should be fixed in 7 - 10 days. 
Also, when I call in to Equifax and I put in the requested information at each prompt - Then I am told they could not verify me and transferred me to a live person - who then re-verifies me and tells me about my Equifax credit report and then they will send me out a copy. 
XXXX XXXX also tried to pull up my Equifax credit report and it came up with no information - all zero 's Also, I had removed the freeze from my credit report and applied for credit and the creditor advised me that my Equifax credit report said I had no credit file, no credit score, limited credit experience and I was denied credit. 
As of today XXXX/XXXX/2021 - it still has not been fixed by Equifax and this concerns me because I have been the victim of identity thief earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account MIDLAND CREDIT MANAGEMENT with balance {$850.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: ROBINHOOD MARKETS INC.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I simply need Access to my robinhood account, they are none existent when needed.ive tried for last 5 months to access my account and them. 
No nothing from them., I'm going to the XXXX next. 
They are responsible for any losses that occur since I been trying to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Convergent Resources, Inc.
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:
On XX/XX/XXXX, I submitted my initial complaint ( XXXX ) for an account appearing on my credit report that I never opened or received any goods or services on behalf of. At the time I I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. The companies reply was, Convergent Outsourcing will update the disputed status of the account to the credit bureaus ; as required. As of today, XX/XX/XXXX, this account is still reporting to the credit bureaus and has failed to mark this debt or account as disputed which is automatic grounds for removal of this account from 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 explanation
Consumer complaint received 2022-04-04
Company: OneMain Finance Corporation
State: MO
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:
Onemain does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Apple Card Apple Case ID XXXX I have never been able to add the Apple Card to Apple Pay. I have been working on the issue with both Apple and Goldman Sachs for months. I was issued the card in XXXX, 2020. 

I made over 50 calls to Apple and Goldman Sachs Apple Card. I have multiple chat transcripts showing I have done every single troubleshooting step known. 

The case was escalated to the Senior Advisor level at XXXX over two months ago. First, I was working with Senior Advisor, XXXX. As of today, I am working with Senior Advisor, XXXX. 

After my initial contact with Senior Advisor, XXXX, she escalated the issue to the Engineering Team back in XXXX. After speaking with Senior Advisor, XXXX today, he advised that the issue is not related to just my account. Other XXXX users are experiencing the same issue ; they are unable to add their Apple Card to Apple Pay via the XXXX XXXX app. 

I have also tried order the physical Apple XXXX XXXX twice, at the direction of Apple and Goldman Sachs. When I tried adding the Apple Card to Apple Pay via the physical card process, the same error occurs. 

The error simply states, Unexpected Error. 
I am able to add other credit cards to Apple Pay. 
I upgraded from an XXXX XXXX to an XXXX XXXX recently because I was told it might be a problem with my particular phone. 
I get the same error on the XXXX XXXX XXXX XXXX as I did on the XXXX XXXX XXXX XXXX. 

Because the Apple Card is linked to my Apple ID, I am able to use it to make Apple purchases which I have done, and paid in full, on the Apple Card. However, I am unable to use the Apple Card at any other merchants. 

In order to use the physical Apple Card or the digital Apple Card, the card must be added from the XXXX app to Apply Pay which is where the Unexpected Error occurs. No one at Apple or Goldman Sachs is able to offer a resolution. No one at Apple or Goldman Sachs is able to provide me with my Apple Card number, only visible once the Apple Card is added to Apple Pay. 

I would like to obtain my account information so I can make purchases with my Apple Card at other merchants. I take issue with the fact that I can spend thousands of dollars on the Apple Card as long as I purchase Apple Products online. However, I can not use that same card at any other merchants. 

I have been waiting since XXXX, XXXX for a resolution. I have over 50 calls logged and at least 20 chat sessions with both Apple and Goldman Sachs. I have erased my phone and started over more times that I can count. I have deleted every card in the XXXX app so many times and checked and rechecked every setting known. At least today, Senior Advisor, XXXX, stated the Apple Engineering Team said it is a known issue but there currently no fix available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-07
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: Account information incorrect

Complaint:
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
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 2017-10-07
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: Account information incorrect

Complaint:
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from us XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until July everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX

Company response to consumer: Closed with explanation