BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
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: Account status incorrect

Complaint:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, Equifax and XXXX and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i was checking my credit rating about 2 months ago when i see a collection show up for XXXX i tried to contact i could not, i called all the phone numbers related to them, all of them went to a recorder, i left several messages, no return calls,

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 2021-06-30
Company: EQUIFAX, INC.
State: NJ
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:
MY REQUEST WAS SENT XX/XX/XXXX AND NOT ONLY HAVE I NOT RECEIVED A RESPONSE IN A TIMELY MANNER OR AT ALL BUT THE INACCURATE INFORMATION IS STILL ON MY REPORT. 

I ASKED FOR THE DESCRIPTION OF THE PROCEDURES USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE DISPUTED INFORMATION, INCLUDING THE BUSINESS NAME, ADDRESS, AND TELEPHONE NUMBER OF ANY FURNISHER OF INFORMATION CONTACTED IN CONNECTION WITH THIS REINVESTIGATION AND WAS IGNORED. 

THIS BEHAVIOR IS UNACCEPTABLE AND IT IS CLEAR THERE IS NO RESPECT FOR FEDERAL LAW OR MY RIGHTS AS A CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was affected by Equifax data breach and my credit was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.

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 2018-02-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo, who has already admitted to opening TWO fake accounts in our family members names, recently sent me TWO new debit cards in my name. These cards were not requested, and they are separate accounts from each other and seperate accounts from our personal accounts. These came in seperate mailings, and are further evidence of FRAUD of this bank. We recently bought a home, and we believe that these 2 additional credit cards may have affected our credit score negatively, causing us to have a higher interest rate. My husband and I are furious and disgusted with this bank, and need the authorities to stand up to this fraudulent institution.

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 2021-06-30
Company: Experian Information Solutions Inc.
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:
I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I hold a Chase Amazon credit card. My annual spend is over {$75000.00} a year and I have never paid a fee or an interest charge. On XX/XX/2023, I made a XXXX transaction for {$25.00}. {$25.00} was a payment to a friend and {$0.00} was a fee charged by XXXX. While that {$0.00} is an insane amount to charge for a fee, that is not why I am writing. I am writing because unbeknownst to me, and unlike what happens for XXXX, Chase treats a XXXX payment as a cash advance. As a result, Chase charged me a transaction fee of {$10.00} on the {$25.00} XXXX. That's a 39 % fee! Plus they charged {$0.00} in interest even before I could pay my bill. Luckily I caught this and the bank has generously offered to give me a " one-time '' credit for the transaction fee and interest. I'm writing because this fee is criminally high and the application of interest immediately after the transaction is absurd. I'm also writing because I do not feel like I was given adequate notice by either Chase or XXXX that this would occur. As an attorney, I have no problem ( other than the cost of my time ) fighting ridiculous fees and interest such as this, but I am concerned for the general public. This practice should be stopped and consumers should be protected from such fees and interest charges in the future. Please do something to make Chase stop this, or at least make a clear disclosure on the XXXX app. 

Also, I spoke to a customer service manager who said there was nothing he could do about it and he tried to place the blame on Visa and XXXX. Yet, he was happy to tell me that the {$10.00} fee and {$0.00} interest was valid and there was nothing he could do about it. Luckily the non-supervisor was willing to reverse the fee and the interest. What if I was not a lawyer? Do you think they reverse charges for folks who can not advocate for themselves? I doubt it. 

Thank you for taking the time to consider my complaint. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
MY REQUEST WAS SENT XX/XX/XXXX AND NOT ONLY HAVE I NOT RECEIVED A RESPONSE IN A TIMELY MANNER OR AT ALL BUT THE INACCURATE INFORMATION IS STILL ON MY REPORT. 

I ASKED FOR THE DESCRIPTION OF THE PROCEDURES USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE DISPUTED INFORMATION, INCLUDING THE BUSINESS NAME, ADDRESS, AND TELEPHONE NUMBER OF ANY FURNISHER OF INFORMATION CONTACTED IN CONNECTION WITH THIS REINVESTIGATION AND WAS IGNORED. 

THIS BEHAVIOR IS UNACCEPTABLE AND IT IS CLEAR THERE IS NO RESPECT FOR FEDERAL LAW OR MY RIGHTS AS A CONSUMER!

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 2018-07-06
Company: FC HoldCo LLC
State: NY
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 noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on  another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a personal secured credit card with Fifth Third Bank. After they ruined my business account by charging {$40.00} for a cashier 's check two weeks after I received it and multiple overdrafts that this caused. They refunded the {$40.00} back for the cashier 's check a year later and apologized but did not resolved the multitude of charges that this caused. I asked to have all my accounts closed. The secured account had a balance equal to the secured amount of {$300.00}. Fifth third then took that {$300.00} and then charged over {$300.00} in fees. I have asked for this to be resolved multiple times, I'm transferred multiple times each time I call and no one seems able to handle this issue. I've sent letters and it is not resolved either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: College Ave Student Loan Servicing, LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
On XX/XX/XXXX XXXX I applied for a student Loan from a XXXX XXXX XXXX as a cosigner for my son. He is going in his sophomore XX/XX/XXXX. They advertise rates between 5.29 % I presume for very good credit & 12.07 % I guess for not so good credit. After filling out the loan application I was approved but the rate they gave me was ridiculous over 12 %. I knew my credit score was in the top % in the country around XXXX and my income level not bad over {$100000.00}. One outstanding loan car loan of XXXX being paid off currently 2.99 % the best rate you can get from XXXX XXXX. I immediately call College Ave. about the situation and to no avail the salesperson said they could not do anything about it. I asked to talk to the credit decision dept. and they would not connect me. They email to finish my loan bit I would not at 12 %. I then received a letter from them dated on XX/XX/XXXX thanking me for applying. I come to find that my credit score was even high than I thought FICO XXXX. I then called College Ave customer service and explain the situation again they finally connected me to a supervisor who told it was because my XXXX XXXX son did not have a long enough credit history. I told her that was the purpose of me being a cosigner. I am on the hook for the money not him. Anyway it did not end well. I also ask what is the criteria for the best interest rate? She could not answer. I believe that I was treated very unfairly and they falsely advertise low rates.

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 2021-06-30
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 fraud alerts or security freezes

Complaint:
My information is being used to scam my account for unemployment payments. I froze my credit report with XXXX and they told me I had to contact the other two companies on my own because they would not do it for me, even though the FTC said they had to do so. Then, I froze my account at XXXX. Last, I tried to freeze my account at Experian and when I was finished, they said I had to send them a wide assortment of documents by mail or they would not freeze my account for me. I need it frozen now and why are they making me send all these documents? I believe they want me to pay {$30.00} a month to join their subscription service for freezing my credit report with them. This is illegal and they should be made to pay a fine for this deceptive practice of scamming consumers who are already being scammed.

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 2021-04-30
Company: EQUIFAX, INC.
State: VA
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 been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. Equifax and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

Equifax, XXXX. XXXX XXXX, XXXXXXXX GA XXXXXXXXXXXX XXXX XXXX. XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX PA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have had a checking account with bank of the west since late XX/XX/XXXX early XX/XX/XXXX and a safe deposit box for about 30+ years. every year i get a bill for the safety deposit box and when i receive the bill i pay by mail or check in person. i received a letter from bank of the west on XX/XX/XXXX advising me that they would take out the payment for my safety deposit box automatically on XX/XX/XXXX without my authorization. i have never given bank of the west permission to take money from my account. they just decided on their own that it was ok to take my money. i spoke with the bank manager of the XXXX XXXX XXXX and his suggestion was that i could surrender my safe deposit box an move on.

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 2021-06-30
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Procollect is a third-party debt collector located in XXXX, Texas. My daughter leased an apartment with XXXX XXXX in XXXX, Texas. While living there, her upstairs neighbors had a water leak that caused damages to my daughter 's apartment. She notified the apartment complex management, and they attempted to fix the damage. The carpet in one of the rooms was soaking wet and the complex attempted to dry it out. After she moved out, the apartment complex stated that she owed them for the cost of the carpet ( {$250.00} ). She denied being the cause of the damage. The apartment complex sold this debt to Procollect. I was the surety on the apartment lease. Since the damage was caused by XXXX XXXX 's negligence, I told Procollect that XXXX XXXX was at fault and we were not responsible for the damage to the carpet. I sent Procollect documentation regarding this. Procollect says that it is a valid debt.

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 2018-02-14
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: EQUIFAX, 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:
Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing me.

Company response to consumer: Closed with explanation