BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax and XXXX XXXX continue to report inaccurate wrong? fraudulent information to my consumer reports. I've reach out to the directly to explain and attempting to correct the error. However I continue to get the run around and my issues continue to fall on deaf ears. The Following accounts are a result of ID Theft or inaccurate reporting : XXXX. XXXX XXXX XXXX ending in XXXX was paid in full. 
XXXX. XXXX XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX  XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX XXXX XXXX XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX XXXX ending XXXX is a result of fraud/ ID theft. 
XXXX ending XXXX is a result of fraud / ID theft. 
XXXX XXXX ending XXXX is a result of fraud/ ID theft. 
XXXX. XXXX XXXX ending XXXX is a result of fraud / ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased supplies for my business from XXXX XXXX for {$39000.00}, the supplies were picked up the same day from the merchant in XXXX, CA. On XX/XX/XXXX I was notified via email that there was a recall of the product by the manufacturer. On XX/XX/XXXX, the merchant picked up the supplies and issued me a receipt for the return and a letter stating I would receive credit back with 24-48 hours. I never received the refund after multiple attempts to contact the merchant with no response. On XX/XX/XXXX I contacted American Express to explain the situation, they entered a claim on my behalf and did not ask for any supporting documentation. On XX/XX/XXXX I received notification from American Express stating that my claim was denied because " they did not believe goods were exchanged ''. I was shocked, I called them and no one could explain to me why this decision was made, but I was told they could redispute the transaction and I could attach supporting documentation if I had it. At that point I provided them with the purchase receipt, the recall notice, the letter stating I was due a refund from the company and all of the email correspondence with the merchant. Within 48 hours, American Express again denied my claim for the exact same reason. Again I contacted them to ask why they " did not believe goods were exchanged '' to only be told they could not give me any additional information but I could redispute for a third time to have someone review again, I agreed. Again with 2-3 days I received the exact same denial letter. When calling back for the 3rd time I was now told there was nothing they could do because I had already disputed the transaction 3 times and I would have to take it up with the merchant. I think this behavior is extremely predatory against the consumer, deny their claim and trick them into agreeing to redispute until they can not do it anymore and also don't tell them what you need as far as documentation and also don't tell them how they came to that conclusion. It just seems completely deceptive and unfair and what UDAAP was meant to protect against. I have been a customer since XXXX and I have never had an issue but I truly feel that American Express is not doing their job to protect me as a customer. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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:
Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX Status XX/XX/XXXX XXXX XXXX XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit

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 2020-11-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife received an insurance check for {$4900.00} which we deposited on XX/XX/XXXX to our Wells Fargo bank account. My bank placed a 10-day hold on the check which seemed excessive saying the check maker had bad checks. Turns out XXXX  released the funds to the bank the very next day ( XX/XX/XXXX ) but is still holding the funds until the XXXX. 

I have called the bank twice since then and can not get an acceptable explanation as to why these funds are still being held up.

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 2019-08-31
Company: ARS National Services, 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:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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 belongs to someone else

Complaint:
I would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Status XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit

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 2020-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020, I made an online purchase for masks from XXXX for {$30.00} which was deducted from my Bank of America account. On XX/XX/2020, I noticed the {$30.00} debit on my account was followed by a {$.00} debit from XXXX as an international transaction fee. I emailed XXXX and they denied charging the {$.00} and advised that I check with my bank. 
On XX/XX/2020, I called Bank of America and spoke to XXXX who said that XXXX charged it. He said it was linked to the {$30.00} charge and a claim could not be filed on it. 
On XX/XX/2020, I spoke to XXXX supervisor, XXXX, who said Bank of America charged it and Bank of America charges 3 % on all international transactions. 
Since the charge shows from XXXX, why doesnt Bank of America show their name and why doesnt Bank of America notify their customers? I order online often and have never seen or heard of this charge. Is this legal?

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 2020-04-20
Company: Docuservpro dba Simple Repayment
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have student loans and I went through a third party called simple repayment thinking they would help me forgive my school loans and they told me my loan debt would be removed after some time so I was making XXXX dollar payments every months since the year of XX/XX/2018 until about last month when I called my loan service XXXX  and they told me my balance is the same and I wasnt making any payments.They told me theres nothing you cant do that simple repayment can do. I tried calling them for months and no answer, it goes to a voicemail and theres no online website where I could check to see how much I owe these were clearly fraudulent claims and I still have to pay off my school loans directly through XXXX and need help getting my money back that was going absolutely no where but to simple repayment.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: DISCOVER BANK
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I'm being charged by XXXX and an electric company when I have not even had any services and I do not have a stable home so this does not make sense to me you can reach me via email for now at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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:
XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureaus XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX 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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This debt does not belong to me. I've tried for years to get it to remove. I finally got them to agree to remove it. 


Please help me get this off my credit report. 

XXXX  Transunion 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 non-monetary relief
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a complaint 2 weeks ago. Chase called me and I have talked with her twice. A message was left on my phone on Friday XXXX XXXX to call them on Monday XXXX XXXX. I called and left a message. On Tuesday no one called me. I left another message on Tuesday XXXX XXXX. No one has called me back. I left a message on XX/XX/2020 and an hour later was called back. They were still would not tell me what the problem was. Only that they were working on it. 
On XXXX XXXX Chase deposited {$7400.00} into my account that was not mine. I didn't know where that money came from and neither did they. I left the money there knowing they would take it out. They have not. On XXXX XXXX my account was closed. 
After closing my account they accepted 2 direct deposits from my work and my Social Security check over {$3100.00}. I am now in default of my mortgage. Default on my Chase Freedom card by 10 days. My Chase Amazon Card by 11 days and in 2 days my Chase Auto payment is due. They have held my money for over 23 Business days and all they will tell me is they are looking into it with no apparent time that I will receive my money. The only reason that I have is that because of Chase Mismanagement of their customers accounts that they have closed my account through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
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: Public record information inaccurate

Complaint:
There is a bankruptcy chapter XXXX on my credit report. Stating that i have filed for bankruptcy on XX/XX/2021. This is incorrect and should be removed immediately. I have not filed for bankruptcy chapter XXXX. If this is not removed immediately, then you are deliberately going against the fair credit act. Knowing that this information that is reported is incorrect, but fail to remove it. Is illegal. And defaming my name. Please remove this incorrect account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Many incorrect addresses and personal names attached to my credit report along with incorrect employers.

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 2019-08-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
When I contacted Citi to discuss about the options after annual fee being posted, the customer representative closed my account before I agreed to close it. I asked a few questions regarding the rewards when she read the disclosure, the representative transferred the call to a different team. The next agent told me the account was closed already.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Billing dispute for services

Complaint:
I was trying to get a free credit report from TransUnion. In order to do this, I was required to create an account with them. I gave them all of my required personal information. They then require that I enter credit card details ( okay, I thought -- I wont be charged ... ). After entering this information, their was not a single reference to being charged. I was not told what services I will receive, I was not supposed to be charged. After I click on next, I was transferred into my dashboard. I viewed my XXXX XXXX transactions, and I see that I have a charge for {$24.00} from TransUnion. I emailed them, and I have not received a response. I disputed this charge from my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-24
Company: Stern Recovery Services, 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 belongs to someone else

Complaint:
I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Nelnet, Inc.
State: CA
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 had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized.

I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ).

It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: CA
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 a permanent security freezes on file with Equifax, XXXX, and XXXX. I recently went to unfreeze my files with each company and found that Equifax failed to require the PIN that I used when I initially froze my credit report. Equifax also failed to properly identify me when my credit report was unfrozen. In addition, I was not able to use their phone based service as it could not find my file and was forced to use their online service, which I believe is unsecure. Equifax is failing as a credit reporting agency.

Company response to consumer: Closed with explanation