BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: MN
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 following inquiries appearing on my credit report are false/fraud. I have tried to call Equifax repeatedly and was unsuccessful as well as due to language barriers between agents and myself. The website continues to crash or not function. No credit was obtain due to these inquiries. I am requesting Equifax remove them IMMEDIATELY. I'm also a XX/XX/XXXX victim. 

XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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: Personal information incorrect

Complaint:
I 've been trying to get this this bankruptcy removed from my record from Equifax and XXXX with the law that went into effect in XXXX 2017. According to the requirements to remain on my record it must have 3 of 4 things. 1. Date of birth 2. Correct address 3. Full social security number 4. Correct name. The name just says XXXX XXXX, theirs alot of them I 'm XXXX XXXX XXXX XXXX, Does n't have a full social security number, the address is not where I live. And the listing has no return address which has to be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX, I paid a wedding videographer in full. He told me that if I paid in full, I would get a discount. He sent me an email and link to make my payment of {$1600.00} with my debit card. Shortly when the Covid hit in XXXX of XXXX, I attempted to reach out to this vendor who then beached our contract. By the name of XXXX XXXX XXXX XXXX. XXXX XXXX owner states his business is permanently closed due to bankruptcy. I have reached out more than several times to this vendor who has failed to refund me my money. I then reached out to Chase bank and filed a dispute for my debit charge in XXXX. They said it can take up to ten days to receive a response while they do a chargeback to the merchant. 

Chase bank did not notify me of the resolution and instead I called and found out that they closed the case because its 120 days past due and can no further assist me. They also told me it wouldnt be worth taking this case further such as an appeal. Chase bank said they would send me a letter in mail about my dispute resolution. I did not receive anything. 

I have called back a few times and I just get rerouted to no help. 

I want to take my case further and challenge a refund back from this merchant and I dont feel chase is helping me. All because of Covid, everything went down hill, but this money is owed back to us. 

I am not the only customer who is currently dealing with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: AL
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 submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. XXXX  corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late

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 2019-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This relates to my prior complaint ( # XXXX XXXX. I received the attached letter from Wells Fargo stating they received an unsigned letter from my son authorizing for me to communicate with the bank on his account. This is false. They received a signed letter, a copy of which is attached. 

Now that that is settled, I want a copy of all XXXX 's bank statement for the year XX/XX/2014 for the account ending in 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 2019-08-12
Company: EQUIFAX, INC.
State: AL
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 received a letter from Equifax year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a letter from XXXX  year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of 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 2019-08-12
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 submitted a FTC Affidavit along with a police report to XXXX showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today I am at my breaking point with this company. I called on XX/XX/2019 to make a payment. I had a past due amount of {$940.00} ( balance for XXXX and XXXX 's bill ) I made a payment of {$350.00}. Today I called to pay the remaining balance of {$590.00} only to be told the amount due is now {$1000.00}. Not only is there no way possible I can pay that I was totally blind sided. As always, the communication with this company is awful. The first rep told me that the late fees were from the start of the contract which made no sense at all. The supervisor got on the phone and said well the balance for XXXX is {$590.00} and 5 % has now been added to that. That is almost another car payment. I wrote a letter to the CEO XXXX XXXX and I will be filing another complaint with the XXXX. This is so unfair and no one should have to deal with 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 2017-08-07
Company: U.S. BANCORP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On X/XX/2017, US Bank charged me with two or more {$36.00} dollar overdraft fees when I DID NOT overdraft. I also opt out of having US Bank cover non-sufficient transactions in XXXX of 2017 but they allege that I did not. I will attach screen shots of my account up to and after they 've assessed their unlawful fees. You will see that my account remained current until they charged me with their fees. I 've also asked for a paper statement and they 've refused to submit one. When I called about this discrepancy, the allege that my online access and tracking to my account that they provide to their customers is not accurate. I find that to fall under deceptive practices seeing that I know basic math, and its insulting to me when they attempt to justify stealing my money as if I ca n't add and subtract.

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 2020-09-02
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:
The Issue : On XX/XX/XXXX XXXX XXXX was granted a Judgement against me in XXXX. XXXX XXXX. Since then XXXX XXXX hasnt been reporting any information contained in said Judgment on my XXXX because pursuant to the Comprehensive Consumer Credit Reporting Act of 2017 115th Congress that says Equifax, XXXX and XXXX can no longer reflect/report filed Judgement information on my CBR. According Equifax On XX/XX/XXXX, XXXX XXXX reported derogatory information on the same loan. I believe this is a violation of the Fair Debt Collection Act and the Fair Credit Reporting Act. They cant file a Judgment that goes on my Public Record for 7 years then turn around and put the same info contained in the Judgment on my XXXX knowing the that the credit bureaus no longer show that information. 
Equifax should not allow XXXX XXXX to report the same information contained in the Judgment on my XXXX. Both XXXX and XXXX are not showing XXXX XXXX at all. I forwarded a copy of the Judgment to Equifax, Supervisor XXXX, XXXX and XXXX acknowledged that they were in receipt of the document, yet they refuse to delete the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I used PayPal to send money to a merchant offering music services online. I sent this merchant {$750.00} and he never contacted me or did any music business with me. I contacted the merchant several times and was eventually told by a friend of his that he was XXXX  and could not provide the music I paid for. I told her ( the friend ) I needed a refund since I never received what I paid for. She sent me back {$30.00} and stopped responding to me. I contacted PayPal & they refused to credit my account even I never received what I paid for. And this merchant is a business customer of PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.

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 2021-11-03
Company: EQUIFAX, INC.
State: PA
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: CT
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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XXXX XXXX. # 4. XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX -Loan Amount {$0.00} XX/XX/2020.

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 2020-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX XXXX XXXX is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I posted my XXXX  XXXX on XXXX for XXXX and received an offer from a gentleman. The man states he lived in Florida and wants to use the XXXX as a XXXX for his hunting camp. He stated he would send me a certified check for the amount and after I cashed it and the monies cleared he would arrange a car carrier to pick the XXXX  up. I told him that was fine and would be looking for it. I received the check via XXXX two days later for the agreed amount of. {$5600.00}. I was skeptical being the gentleman was from out of.town so once I received the check I called the bank on the front of the check to verify funds and all was good. I then did a mobile deposit for the check and went on with my day. There was an automatic 10 day hold which I totally understood and didn't complain. Three days later I noticed the deposit had been removed from my account all together. I called the bank and they stated I was being investigated for Deposit Account Fraud and were freezing my account. I was appalled and have called them daily all week to find out the status. There was no deposit account fraud and I never received any money from this check but yet they are holding my checking account hostage with close to XXXX in it and I am unable to purchase gas to even go to work. When I call i get the same answer. We don't know how long it will take. I even went and opened another account at another bank but can't fund it until they release my funds or I get paid next week. I have been banking with this facility for 10 years. I really need help and don't know who to turn to.

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 2019-03-06
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.

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 2020-10-15
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have been calling direct express for 3 days and I. Being hung up on my info they tell about my transaction don't make sense. My atm withdraws are all odd numbers that u can't even XXXX that amount out from a atm ( XXXX ) i also ] had my stimulus takin in XXXX and the guy said I have more then one card on my account but won't help me I can't take anything out or use card every time I go to store it says invalid card use ... please help. The guy asked for my card number and said and I said no and he wouldn't help if I don't release my card number im very upset im definitely hacked. I can't access the direct express web site

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being harassed by 2 companies. XXXX and XXXX XXXX. I was making payments on both accounts and they started making calls and submitted for delinquency. I told them I am on a flat income & XXXX. I was paying hundreds at a time when I had the money & when things got difficult they didnt care. I told them Id pay a portion but it wont be what they want.. {$400.00} at a clip. Maybe their system got used to seeing large payments & I no longer have that ability. XXXX dropped our insurance on our purchase & violated contract. We told them since XX/XX/XXXX and they refuse to escalate it but call every 30 min. XXXX was a card I got through the job that let me go for being XXXX and unable to work. I was paying $ 150- {$200.00} at a time but that wasnt enough for them. They also call very frequently. I was put into delinquency while paying back in XX/XX/XXXX, this is ridiculous. Why pay anything if they report me when I pay them {$200.00} and they want {$400.00}. Theyre getting paid, I didnt abandon payment. So having calls every 15 min to 1hour is ridiculous. I made them aware of my financial issue and had a great prior pay history. Its unacceptable to call someone 6-12 times a day

Company response to consumer: Closed with non-monetary relief