BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/19 and XX/XX/19 I attempted to initiate a dispute on the Equifax website. It repeatedly told me I was entering personal information incorrectly, which I absolutely was not. During the verification process, I was correctly answering the questions regarding information that either is or is not on my credit report. I know I was answering them correctly because I check my credit report at least once a month on XXXX XXXX and also because I am currently in the 10th year of my career in retail banking and consumer and small business lending. After not being able to successfully register my dispute for free, like I have a legal right to do, I attempted to purchase an " Equifax Complete Premier '' membership assuming I would be able to register my dispute from there. I completed the process of initiating an account and entered my billing information at which point I was told that my card could not be verified. I entered my information again and received the same response. I then checked the pending transactions in my online banking and saw that they had charged me {$19.00} twice but was still being told that I did not have an account. I then called their customer service line XXXX and spoke with an employee named XXXX, EQUIFAX ID # XXXX. After having to give my social security to them for probably the 20th time, he told me they never charged me. I informed him that I had been charged twice and was told that I had to wait for the transactions to post and then I could email a different department with a screenshot of my bank statement and request a refund credit. He maintained that I did not have an active subscription but that he could send me a link to reset my password. I then asked how it was possible for me to successfully create an account and see the two successful charges to my account but still not be given access to my credit report or the ability to dispute it. At that point he said there was nothing else he could do for me and that I should wait to see the charges be removed from my account. I am shocked that after all of the wrongdoing and negligence Equifax has been found to be responsible for that they would continue to operate in a way that harms consumers. They have a legal responsibility to allow consumers to be able to dispute items, which they are not allowing me to do even though I am answering their questions correctly. The gentleman also blatantly lied when he said he could not see that there was a successful charge on their end. I sell credit card processing as part of my job. I know that if I can see the transaction on my end, they can see it on their end. Equifax needs to be held accountable for their continued attempts to rip off consumers and prevent people from being able to dispute the inaccurate and damaging information on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALLIED COLLECTION SERVIC Account number XXXX Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX- HAS REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE IN FIRST PLACE IT WAS FOR A RELATIVE WITH A SIMILAR NAME AND IT WAS PAID IN FULL WITH THE MEDICAL FACILITY IN FIRST PLANCE. I TRIED TO CONTACT ALLIED VIA PHONE AND MAIL WITH NO LUCK. MY CALLS DID NOT GO THROUGH AND ALL LETTERS CAME BACK UNDELIVERABLE. I CONTACTED XXXX XXXX XXXX- who stated there are NO accounts under my name and they had no idea who this collection company is

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 2019-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase tickets from an online ticket Vendor using the XXXX XXXX through my Huntington Bank account. I was attempting to purchase 4 tickets for {$600.00} for XXXX basketball games in XXXX OH on XX/XX/XXXX for games on the XXXX. The vendor told me how to transfer the money to them via XXXX and that the tickets would be sent to my email once the transfer happened. I sent the money and did not receive the tickets. I immediately called the bank and reported what had happened. They told me I had to wait 3 days since it was the weekend for the charge to post and then we could dispute the charge. I called Huntingtons mobile and online banking fraud service and they said there was nothing that could be done to stop or reverse the transfer. I also called XXXX the day of the transfer and spoke with a customer service rep to report the scammer/fraud that had taken places and warned them of this person using their app and scamming consumers. They did not seem to care that this happened and said I could work through my bank to deal w this issue. I finally submitted the claim but it was rejected by the bank citing that it should have clearly understood I was taking this risk. I had done some research prior to transferring the money about XXXX and tickets and felt as though I would be protected if something went wrong or would be able to reverse the transfer. None of this was possible. I do think that there needs to be better warnings for consumers using this app and better warnings from the bank that this is a very final action and this app is being used very often by scammers. I think there also needs to be better tracking of the people using the app and a better screening process to ensure this cant happen to many people. As a consumer I felt very misled by XXXX policies and dont understand why Huntington would use such a deceptive and poorly designed application. Regardless of my authorizing the transaction, XXXX is allowing deceptive users to take advantage of other consumers. A reasonable consumer would be led to believe that there is protection offered based on experiences w other apps and companies that do offer some sort of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX that I have had with them since XX/XX/XXXX. I contacted XXXX and was told to contact my bank. XXXX  told me to tell the bank to be sure to report the information. I contacted the bank and they assured me that my information was being reported. XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX. I disputed the information with XXXX and received a reply in XX/XX/XXXX that they had contacted the creditor and they had 60 days to dispute the information.

XX/XX/XXXX I received a credit report from TransUnion that did not include my mortgage with XXXX XXXX XXXX. I contacted TransUnion and was told to contact my bank to report the information. I called the bank and was told they are looking into issue.

My mortgage is from XX/XX/XXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX   my Loan number is XXXX with a balance of {$70000.00} due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Lend You Cash, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2023 I was approved for a XXXX XXXX loan from lendyoucashXXXX I signed all necessary paperwork, and gave them all necessary account numbers and card numbers. I was told the loan would be deposited by XXXX! I called multiple times throughout the day to verify we were on the same page. They were very nice until XXXX When the money didnt arrive I tried to call the company and the phone number no longer worked.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018, I attempted to open an online XXXX account with the Department of Human Services in Illinois. As required for identification purposes, I called Experian to verify my identity. I was first refused because of a supposed " glitch '' in the system. After a second attempt, I was asked for a " verbal consent to check my credit history ''. Then I was told by that worker to " consult children and family services ''. The company flat out reused to identify me, even though I already have an active Medicaid case. I feel I am being discriminated against because I am economically disadvantaged, because I don't have a credit history.

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 2019-09-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE 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 2020-05-08
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My father XXXX XXXX passed away on XX/XX/2022 from a long term illness. Upon his death, I was reviewing his accounts on Wells Fargo, and made them aware of a fraudulent transaction on his account date XX/XX/2022 when he was incapacitated for a XXXX purchase at XXXX. I asked in person at XXXX XXXX XXXX for them to investigate and received claim # XXXX and given the number XXXX to check on the details on XX/XX/XXXX. I have called on several occasions and they have told me I have no access to receive this information. This is despite me presenting all the probate information from the state of Georgia courts.

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 2020-05-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX XXXX XXXX XXXX, your agency and XXXX XXXX and Experian are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX XXXX XXXX XXXX correct the account. My problem is is this account was removed and placed back onto my Experian and XXXX XXXX Reports after all the years. This needs a resolution immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts were fraudulently opened by someone without my knowledge or consent : XX/XX/XXXX Bank of America Credit Card {$2200.00} charged off XX/XX/XXXX not mine. 
XX/XX/XXXX XXXX XXXX XXXX  Credit  Card. {$610.00} charged off XX/XX/XXXX XXXX XXXX XXXX  Credit Card-open date unkown, currently in collections with XXXX XXXX {$610.00} charged off placed for collections XX/XX/XXXX XXXX XXXX open date unknown {$3000.00} currently in collections with XXXX XXXX XXXX placed for collections XX/XX/XXXX XXXX  opened around XX/XX/XXXX {$1100.00} currently in collections with XXXX  XXXX  I have contacted the credit bureaus to dispute these accounts but their investigation has come back that these are valid. All these account were opened around the same time period which was XXXX XXXX. 
I moved from XXXX XXXX XXXX XXXX to XXXX, Ca.

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 2019-04-07
Company: Experian Information Solutions Inc.
State: SC
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:
There are many mistakes appear in my report without my understanding.

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 2018-12-07
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX through my online bank M & T to make a transfer to an individual to purchase a handbag on XX/XX/18. The individual states she never received the funds and I as well never received my handbag. I have been given a USPS tracking that shows no package was received by the post office. I have communicated with this individual and still receive the same information. I contacted M & T and was informed that the individual received the funds and nothing can be done.

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 2019-04-07
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:
XXXX XXXX - XXXX  {$540.00} & XXXX There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: JPMORGAN CHASE & CO.
State: PA
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:
Dear CFPB : I have been a longtime user of Chase banking service. On XXXX XXXX, XXXX, I had decided to close a Chase XXXX credit card account as it was redundant with other accounts I had with Chase. 

Two months after this event on XXXX XXXX, XXXX, I realized I am missing more than XXXX of Chase Ultimate Rewards ( UR ) points. Ive earned these cash equivalent loyalty program points of Chase by opening up a new credit card account, paying a large amount of annual membership fee, and spending of specified dollar amount during given time period. What I did not realize was that these points were individually synced to each card, not collectively to my Chase bank profile. Moreover, without informing me, the points I earned through the card disappeared 30 days after I closed the account. 

I had a phone conversation with the Chase customer service center as soon as I realized this incident on XXXX/XXXX/XXXX. The customer service representative tersely replied to me that the points were discarded per their company policy. Though she confirmed that the amount of discarded points still could be seen on their electronic system, she said she would not do anything. I further emailed the Chase customer service through their message system to see if I could recover my point. They repeated simply telling me per their company policy, they will not help me recover the point. I contacted several other customer representatives to discuss the unreasonableness of the incident, however, the attempts were futile. 

The amount of points I lost due to this incident is a little greater than XXXX. What particularly disappointed me was that Chase bank did not try to actively inform or warn me about the less known rules of their loyalty program. It was merely mentioned in fine print in the middle of long documentation I received from them through Chase online message system. Absolutely no further notifications were given until and after they completely discarded my hard earned points. They never notified me further about this before discarding my points. As I have multiple other accounts with Chase, had I simply been more promptly notified, I would be able to keep these UR points by transferring them to another card account. What kind of a banking service volunteers to discard what is equivalent to {$1500.00} that belong to me without even making some attempt to tell me about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
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: Account information incorrect

Complaint:
This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.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 2019-04-07
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I keep getting phone calls from a company who claims that I can get loan forgiveness and I do not know if this is a scam or actually a legit program. Can you help?

Company response to consumer: Closed with explanation