BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: BARCLAYS BANK DELAWARE
State: IA
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:
Barclays, XXXX XXXX XXXX XXXX, DE XXXX Has me as XXXX XXXX and my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Case Id was XXXX XX/XX/XXXX account is navyist card which is now closed by them. Due to delinquent. 
Falsely reported that on XX/XX/XXXX they gave me {$41.00} back while they investigated the circumstances surrounding the price of a particular payment they lost. I provided proof in the mail within the 20 business days of both electronic and picture of the cashed check they claimed was not received. They found out that it was paid, but they reported to the my credit report and Im very upset and would like something done about this. It was a false report regarding not my fault of a payment that was issued to them before the date of payment due. They lost the payment, but reported falsely to my credit report port that I did not pay it when then later they found out that I did I got a text message to said my credit card had been paid off on my credit report. I am very upset.

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 2020-07-18
Company: TD BANK US HOLDING COMPANY
State: MA
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:
TD Auto Finance XXXX XXXX  XXXX XXXX XXXX, MI XXXX claims they sent me a final bill at the end of my five year loan that had to be paid differently than auto pay. My wife, loan signer and myself, co signer never received any type of letter or phone call since we initiated auto pay. Went to trade the vehicle and discovered we had no title. Took care of the payment instantly and they still penalized us, financially and credit wise. Have been denied three times from TD Bank. This has been going on almost two years. I take pride in my credit and proof is in the credit reports other than TD Bank. I also have a contract that states If you do not receive final billing statement your payment will be made automatically. I already sent documents to TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT. IT HAS HOLD ME BACK FROM AQUIRING NEW CREDIT, PLEASE CONDUCT A REINVESTIGATION INTO YOUR CREDIT REPORTING INACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference.

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 2023-05-18
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:
Identity theft! 
Someone opened account in my name fraudulently! 
Account must be removed from credit Report 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 2020-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So here is the issue. I have two bank accounts one that is partnered through work, alot of benefits and i have an old bank of america account that my husband and i have jointly. I needed to pay rent and do to holiday weekend the bank was closed. So I called BOA the support line and they recommended the wire transfer in one day. Pay the fee they walked me through it. This was on XX/XX/XXXX. 

Amount XXXX I figured holiday weekend I won't see the funds till perhaps Monday or Tuesday. Come Tuesday still didn't see the funds so called BOA. They state the transfer was completed. Called my other bank they state they seen it come in but with error stating BOA had pulled back the money and rejected the transfer. 

Called BOA back, was told that the person at the other bank rejected the funds. When i stated i was the other person and I did not reject the funds they hung up on me. 

Called again, was told I would have to pay for a tracer. Fine payed for it. No update. Called on the XXXX, Was told no tracer was put on it. Yet the money was taken from my account. They put a tracer on it. 

Called the XXXX, still no update. 

Called the XXXX, they said the funds where put in my account. I told them check again and they looked at my account saw the funds where not in my account. Was told it should be in within 2-3 days. 

Called back on the XXXX, spoke to a manager. Was told money could take 3-5 days. That by friday should be in. 

Well today is friday the XXXX. Money wasn't in my account. Called. They said it was in my account. Told them to look at my account and see if they saw it. Oh it isn't there ... one second let me ask a colleague. Was told by collegue it is processing. Asked how long could that take a day- week, month. Was told there is no timeline when you will get your money, whoever told you a timeline was wrong. Hung up on me. 

Called back to escalate. Employee refused to transfer me to a manager telling me there is nothing they can do. Was told they can escalate the case. I asked I thought they did that last week and Monday. No response. Told me it was done and asked if anything else she can do. Then wanted me to do a survey. Told her no as I don't think in my current state I would do her survey any good. I am upset it been 2 full business weeks and my money is gone.

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 2023-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: MI
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information 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 non-monetary relief
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am inquiring about the evidence Chase has to feel they are by law to freeze my account and my retirement & social security and unemployment funds. i need to know what steps are they taking and are they taking any to rectify this situation immediately? And what is the time frame are they seeking to continue to hold my funds. I know this is a vendetta because XXXX XXXX and his executive office made as a XXXX discrimination tactic and corporate XXXX  against me am XXXX XXXX  consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
For almost 2 years after my husbands death I tried to talk to the company Specialized Loan Servicing. They would only say I wasnt on the loan, and then before foreclosure they said to fill out loan application, which I did and sent it back, they then tell me it was received to late. I filled it out the day I received it and mailed it the next. 

I have been reading about this loan and what was done to my husband at a time he was very ill and loosing his business. The loan was transferred, modified and now has a deferred payment ... these are illegal if the person asking for the help is in the financial and health problems he was. This is a XXXX XXXX ... XXXX XXXX mess ... by XXXX XXXX guide lines this was all fraudulent ... they never verified anything, plus it was all sent to a PO Box which was illegal by XXXX XXXX guidelines and that I had no access to. 

I was unaware of everything from his business to the loan on this property ... 

He had nothing and they New it, I owned half but they didnt care.. 

Please help me not th loose my home and see how all of this was fraud ....

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 2023-06-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Equifax keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Equifax isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX XXXX XXXX {$700.00} - - -No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello I am contacting you about a serious issue I had with BBVA with a cash deposit to the ATM. The branch address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. The transaction occurred around XXXX XXXX on Monday XX/XX/XXXX. 

I was not sure which sup-options to navigate through in the form for this complaint since none were specific to my situation. 

My wife had just pulled out {$13000.00} in cash from unemployment backpay from her account and we immediately proceeded to the BBVA branch mentioned and attempted to deposit {$2500.00} into the machine to pay bills, XXXX {$50.00} bills and XXXX  {$100.00} bills were inserted into the drive through ATM. The machine jammed and would not return any bills or apply any of them to my account. My wife was beside me in car during this transaction.

I went into the bank at which time the branch manager came outside, told me to park my car around the front of the bank, and accessed the machine from the front. He then accessed the machine from the inside of the bank while I waited in the lobby. He was alone during both these periods of time. 

The manager told me he only found XXXX {$50.00} bills in the machine ( {$350.00} ) and that no other $ 50s or $ 100s were in the deposit holding section. I was told they would need to contact an ATM tech to audit the machine and that could take 48 hours but they would contact me, in the meantime they deposited the {$350.00} into my account. The following day I called the bank in the afternoon and spoke to the manager ( who never contacted me ) who said they had the machine audited and my money wasnt in it!?!? I called the police who sent an officer to speak with the bank staff but he called me after saying I would have to let them handle it internally first.

I filed a dispute with the branch and with the BBVA corporate number but nothing has come from that yet and I have been given no updates or contact information for anyone involved in investigating the situation. I am not sure if this is a technical/mechanical error with the machine or something more nefarious in nature but I am left out {$2100.00} and with no options at this point. The whole situation is unreal to me that {$2100.00} in big bills just can not be found. So that is my current situation/complaint. Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently have a loan on my credit report that I did not apply for. I contacted Navient and made them aware of the situation, they were unable to provide any proof of signature of me " co signing '' to this loan. The loan appears on my credit report as a loan I co signed on. An ex friend of mine stole my information and used it for this loan without informing me. I did not attend the school the loan was taking out for and never agreed to taking out this loan in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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