BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX  which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Wife And I put money down on a new home to be constructed in XXXX XXXX Florida. We were approved by another lender, but were sold by Bank of America because of the low rates on XXXX loans. 
We started the process 2 months ago. After such a long time waiting for a commitment i was in contact with the manager XXXX XXXX. Yesterday I was called to say the loan is being denied. We were shocked .I had received emails from regional manager XXXX XXXX that everything was good and came out of underwriting which apparently was a lie. They were trying to get an exception on my wifes I come which no one told me about for 2 months. If someone told me about this 2 months ago that it was a guideline and I had to see I would have been able to make an educated decision if I wanted to risk it for a better rate or just go with the other company. After this call I tried getting more information and help from senior Vice President, XXXX XXXX. This was a horrible experience as I was talked down to, lied again and pushed off the phone like I was a third class citizen. I have everything I. Emails that contradict what they are saying. They had me sign inaccurate 1003 and loan docs when I questioned in email regarding this. 
I am stuck now because rates went up a point since I could have locked with the other company and will be paying much more a month for my mortgage

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 2018-01-12
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put  the money back in my checking account and when I asked them why they would do that then they came back and said they ain’t a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted $XXXX paid on the XXXX  of XXXX I paid $ XXXX and they still took that much out of her account and then they stole another $XXXX. That is not not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: Experian Information Solutions 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:
A few months ago, XXXX XXXX XXXX processed an order to purchase a mobile phone because someone fraudulently used my SS # and DOB. We reported the problem when we received a statement. No problem, they took care of the issue and I filed all the necessary alert, notifications, even the .gov site where you report identify theft. This week, while attempting to access my Experian site, I requested that they send me my user name which I had forgotten. When they replied back that the user name had been sent to my email address, the email address was not mine. I've attached a screen print. I do not recognize this partial email address at all. I have attempted to call Experian to alert them that they have the wrong email address for me. It is IMPOSSIBLE to reach Experian by phone AND reach an actual person. I've tried at least 5 different numbers that all lead me through the same progression but never to an actual person. I have entered my SS # and zip code multiple times but it never results in making progress. It is unconscionable that they can not be reached to clear up this fraudulent use of my information. Thankfully, I have a credit freeze on all my accounts. However, this issue needs fixing. I did not choose to do business with Experian. It should be possible to reach them or even email them. Currently, it is not. Please fix this and clearly, consumers are not able to do anything but appeal to a regulator. Thanks.

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 2019-07-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I mailed the request form for my credit reports through XXXX XXXX.Their letterhead on THEIR request form.Approx 2 weeks later, XXXX comes through, great.Approx 6 days later, XXXX comes through, great.Now, approx 33 days later, Nothing from Equifax, no letter asking for additional verification, which a pers on could reasonably expect.Calling one those credit unions, as most of us know, means many hours on hold, I did that too.I had hoped Equifax MIGHT notice the other 2 did.A t XXXX, US citizen, never left country, not a felon, just a blue collar worker who worked his w hole life.Their is not even 1 good XXXX  reason for lack of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Adler Wallach & Associates, 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: Old information reappears or never goes away

Complaint:
filed Bk in XXXX Contated this company and sent Bk chapter XXXX -sent-Discharge letter they said it would be removed- not the case Case = # XXXX XXXX XXXX XXXX/XXXX/2016 PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo closed my account, which I mentioned in a previous complaint. The issue is, they deactivated my online banking which has my credit card login attached. I need to be able to pay my bill, and can not access it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019 I noticed a charge on my prepaid American Express Serve card I did not recognize. The amount of {$110.00} was charged to my card by XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I filed a chargeback request and filed the fraud affidavit with AmEx against XXXX XXXX. I NEVER had or have any insurance, accounts, or past due amounts with XXXX XXXX. On XX/XX/XXXX, I requested a refund from XXXX XXXX. XXXX XXXX informed me that a full refund will be issued within 3-5 days. They provided me with a reference number of XXXX. I never received a refund. On XX/XX/2019, AmEx sent me an email stating that my dispute was declined and to send a them a letter requesting details about the decision. I mailed a letter to the address and never received a response. I called XXXX XXXX again to request a refund and they provided me with another reference number of XXXX. They told me that American Express withdrew the funds for the chargeback from XXXX XXXX on XX/XX/2019. American Express denied this.

On Monday, XX/XX/2019, I had a three-way conference call with XXXX XXXX of XXXX XXXX XXXX Treasury Department ( phone number XXXX ) and American Express Security/Fraud Dept. as to why the chargeback refund wasn't applied to my account. XXXX  stated that American Express withdrew the funds for the chargeback on XX/XX/XXXX but American Express firmly denied this during the conference call. American Express also told XXXX that they have no control over chargeback refunds and that they do not hold funds from customers.

When the call was over, XXXX   repeated to me that the chargeback was debited from XXXX XXXX on XX/XX/XXXX and that AmEx may be withholding those funds from me. I asked her why XXXX XXXX couldn't simply refund me back the charge to my card and she explained that she couldn't because the chargeback funds were already taken from XXXX XXXX from Amex.

She said there is nothing else she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: WELLS FARGO & COMPANY
State: AZ
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:
XX/XX/19 Credit Card was charged by XXXX XXXX ( XXXX ). An attempt had been made to stay at the property. The Website reported it did not charge card as motel was FULL. I booked another XXXX XXXX for same day for XXXX $ over 50 miles away have documentation to prove. 

After charge for XXXX $ showed up on credit card days later I called merchant and asked for a refund and they informed me that I was indeed a no-show as I didn't know the reservation went through. I was told my only option at this point was to dispute the charge with my bank. I did that and after 2 months of waiting Wells Fargo says I made the purchase and they WILL NOT charge it back to merchant. So now my CC is over the limit and they will be reporting to the credit beau that I am OVER LIMIT and this will negatively effect my score. they have offered no other help except continued rude and frankly negative attitudes when I have shown all that they need. 

A document came in the mail as " proof '' I stayed but I will attach and you will see that it lacks my OWN signature on the repcept nor does it have my ID number or CAR info.. ALL OF which I had at the other location I will get a copy from them as MORE proof I do not owe anything and therefor WF must repair my credit and REMOVE and REFUND the money to my account without further incident, Attached 3 documents for review. 

1. Bank Credit Statement Showing Charge 2. XXXX XXXX Reservation for Charge 3. WF rejection of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
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 status incorrect

Complaint:
This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Equifaxs response is incomplete and insufficient as it fails to answer the threshold question : 1. Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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:
To whom it may concern ; On XX/XX/XXXX, I was admitted for XXXX XXXX to XXXX XXXX Hospital,  XXXX XXXX, XXXX, Florida, by XXXX XXXX XXXX, ( XXXX. XXXX. ) I was in for one week. The following week I went to XXXX XXXX office for a follow up. I was informed I had caught a XXXX XXXX from XXXX XXXX Hospital. I have tried to find a lawyer to represent me. As you probably know that lawyers dont want to take it unless you make {$250000.00} per year, and I dont. Also recently the XXXX XXXX came back along with complete XXXX in all XXXX on my XXXX XXXX and the XXXX XXXX. 
On XX/XX/XXXX I noticed were a bill from XXXX XXXX Hospital c/o XXXX XXXX XXXX, had come in and I sent them a letter ( attached ) informing them I was paying on the bill and requested all the information pertaining to the account. I never received anything. 
I had paid them {$50.00} per month since released from the hospital from my XXXX XXXX XXXX bill pay every month until I have a major decrease in my income in XXXX XXXX and I changed the payment to {$5.00} monthly. 
After sending the letter XXXX XXXX Hospital, they  hired XXXX XXXX XXXX  and reported incorrect amounts on my Equifax Credit report. I filed a dispute and they told me to contact XXXXXXXX XXXX. I did they stated that {$5.00} monthly was not enough. I dont think they should file with the credit bureau if you havent missed a payment and they had accepted payment. I am paying what I can afford I am on XXXX and only make {$1500.00} monthly and have a lot more medical bills Im paying on. I always pay my bills, it might take a while. 
I am requesting this be removed from my Credit Report and find out why the original amount owed and the balance have changed significantly since XXXX XXXX took this over. 
If you would have any information on how I could seek damages against this hospital and its medical staffing would be deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: NRA Group, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is claiming i lived in a apartment after dates provided on my lease in XX/XX/XXXXand is asking for {$600.00} in utilities expense for a time i was not living in apartment XX/XX/XXXX filed dispute Never received response from company after providing evidence of not living in apartment XX/XX/XXXX nation grid filed collection I have attached a copy of my lease showing that i left when charges are still continuing. I also left out of my lease early in XX/XX/XXXX XX/XX/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 2019-07-24
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent letters to the Credit Bureaus and Navient XX/XX/2019, and XX/XX/2019 trying to get some clarity on this account. I the amount they are saying I own and to this company is incorrect, yet they have not sent me the original signed contract because I have never agreed to pay Navient or never had a contract with them at all. They continue to report negative and late payments to my credit when I communicated to the the documents that I requested to see. I feel like this is a violation of my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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: Old information reappears or never goes away

Complaint:
IN 2009, the IRS mistakenly issued a lien in XXXX county ( XXXX ) Tennessee. The lien was for a different person with a similar name -- but was reported to all 3 major credit bureaus. I discovered it a few weeks after it hit -- and went thru a 3 month ordeal proving that it did not belong to me and getting both a release of the lien and then a withdrawal of the lien from the IRS. 
Once arranged, I forwarded both documents to all 3 credit bureaus and the item was properly removed from my credit files. 
Last week, in preparation for buying a home, A loan service ran my credit reports -- 2 were accurate ( XXXX XXXX and XXXX ) but Equifax was once again falsely reporting this lien as still active -- negating my ability to gain a loan. When I contacted them they informed it would take from 3-6 weeks to resolve -- and that they would mail me a copy of the credit report but would not in any way address the issues until I had gone BACK thru their complaint systems again. 
I have since sent the documents to the loan company and I think my loan will be fine -- but that does n't excuse the sick and perverse maintenance of this lie about me that has likely been there for months -- after successfullly removing it for most of a decade. 

Their conduct is such that I believe that they should be forced out of business -- as I can not see any other way that this event occurred other than thru Gross Incompetence or Deliberate Malicious action -- in either case -- please, please SHUT DOWN THE Equifax LIE FACTORY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: NEW CITY FUNDING CORP.
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:
Theres an account that was included in my bankruptcy that wasnt suppose to be, I had an auto loan with New City Funding around 2016, I paid the loan in full as agreed but for some reason that account was included in bankruptcy and that isnt correct, I contacted New city funding and asked if they can update the account on my credit report to say paid as agreed never late but they didnt seem to care because the account still has the same status of discharged in bankruptcy. I want the account updated or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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: Information belongs to someone else

Complaint:
I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and Equinox, XXXX and XXXX are continuing to report fraudulent information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
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 have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, XXXX  and transition are continuing to report fraudulent information on my credit file.

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