BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
This is my NUMEROUS 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 file that do not belong to me, or that I have signed any agreement. The item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the item listed below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: IL
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:
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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2018-05-31
Company: BMW Financial Services NA, LLC
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 information incorrect

Complaint:
I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FIN SVC with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-01-17
Company: EQUIFAX, INC.
State: VA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXXXXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again

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 2017-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been banking with Wells Fargo for over 10 years. I signed up for the XXXX XXXX card in XXXX 2017 with a signup bonus of {$200.00} back after $ XXXX spend in 3 months by clicking on an ad, and got confirmation from their credit card department via phone call that I am eligible for this bonus. I met the limit and months have passed without this bonus being posted. I called again and sent a message and they are now saying they do n't see that I am qualified and are not making an effort to help fix this. 

This offer has been around for a long time and is still being advertised online. I have never had issues with my bank balance nor do I have any credit issues. I have absolutely no idea why they would renege on the offer for just me, a loyal customer for over a decade.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2018-02-16
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I HAVE TRIED NUMEROUS TIME TO DISPUTE THE VALIDITY OF THIS DEBT PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I had a problem with two charges on my card and I open up an investigation much time went by approximately 3 weeks and I never received any paperwork from the bank and they never credited the amount owed. When I called to find out about this they couldn't find my reference number and had a reopen another case. These charges occurred XX/XX/XXXX and XX/XX/XXXX of XXXX and didn't receive a credit for that until 3 months later. I've been asking for bank statements but when they send them there's always two or three months missing and the amounts charged and dates are all incorrect. Received an email on XX/XX/XXXX of XXXX saving if I had problems with the account to call and I did I asked for a statement again and they sent me ones that are incorrect when I tied to dispute the charges listed on them the bank statement that they had did not match the one they sent me that makes no sense to me I called back several times and I just get hung up on I can't seem to get any reconciliation with this account. I'm showing the discrepancy of approximately 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 2018-11-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
HSBC approved me for a new truck loan several years ago. But then two weeks later they took back the loan saying I didnt fit their credit granting criteria. Why did they approve me of the loan to begin with. I was able to keep the truck with another finance company. But it has always bothered me the way hsbc treated me. They acted very sexist towards me and it was a mean thing to do to me. I have always wanted to know why did they approve me to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute w/ Transunion regarding an inaccuracy on my credit report w/ the US Dept . of Education. I received a response from TransUnion on XX/XX/XXXX stating they conducted an investigation and verified the information as accurate. 
My student loans were successfully rehabilitated w/ the US Dept . of Education and were taken out of default status and were to no longer report negatively on my credit according to the terms of my rehabilitation agreement w/ the US Dept . of Education as of XX/XX/XXXX. Also, according documentation sent to me from the US Dept. of Education, my account has been assigned to XXXX XXXX to further resolve the debt, again according to a letter dated XX/XX/XXXX. TransUnion is reporting that I owe a debt to the US Dept. of Education in the amount of {$23000.00}, when in fact, I don't owe them anything due to the rehabilitation and the reassignment of the account. TransUnion 's reporting is now stating that I owe more debt than I actually do and this account is showing as almost 12yrs old. I placed a call to them on XX/XX/XXXX regarding the inaccuracy they're reporting and the representative attempted to tell me that the information was correct. I voiced my disagreement and informed her that I had documentation to support my claim and that I wanted the almost 12 yr old info removed from my report. Again, I was told the investigation was verified and the report is accurate and was dismissed. I'm requesting the CFPB to please look into this matter and rectify the issue.

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 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Online BOA credit card said something was wrong with my credit card account and to call them. I did XX/XX/2023 and because I dont have a cell phone and can not receive text verifying I had to go into XXXXXXXX XXXX XXXXXXXX to be verified on XXXX XXXX I went in was verified and the banker called the XXXX XXXX and I told her my account had been taken over and these criminals at XXXX XXXX XXXX XXXX XXXX XXXX XXXX had changed my address to theirs and my email and phone number to theirs. It's then that i verified my charges all to XXXX and XXXX which came to XXXX which I paid off in full XX/XX/2023. The fraudulent charges were all in their homestate XXXX. She said she would close my account and send me a new card but I never received it. It was sent to the crooks in XXXX. This is after I went through my correct address phone number and email. I thought it was all settled after I gave them this information and told them this was account take over fraud. I was frozen out of my account and the past XXXX XXXX I have not been able to get back on check their messages etc. I called XXXX XXXX again XX/XX/XXXX when I received an email statement Of XXXX aprox which were the fraudulent charges from my original account and the one that was sent to the criminals. Today XX/XX/XXXX I got an email statement of XXXX I called fraud got a new claim started with my information

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 2019-04-15
Company: GVA Holdings, LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I, XXXX XXXX, applied online to a group of companies offering personal loans. 

I was under the impression that I was dealing with companies registered in the United States in a particular state ( Montana in this case ). It is believed that Bright Lending is charging approximately 685 % annual interest on a {$300.00} dollar loan with weekly installments of {$40.00} dollars. Three payments have been made with approximately 5 principal payments made between installment dates. Approximately {$150.00} to {$160.00} dollars up to this point has been made. Bright Lending is refusing to apply the additional payments towards principal payments. After further investigation, Bright Lending is believed to be breaking the law by charging annual rates above the State of Montana and the District of Columbia 's " Cap Interest Rates. '' The State of Montana does not have Bright Lending or any of it's affiliates listed as registered businesses. 

Bright Lending is believed to be working from an " off-shore haven '' ( XXXX ) where the site is listed as being hosted via a XXXX Search. Additionally a traceroute of the IP address indicates off-shore computer servers. 

My goals were to pay off the loan as quickly as possible within the District of Columbia 's Cap Rate of 24 %. It is believed that Bright Lending is a bogus site being operated by some third party refusing to be registered as a corporation in the US. 

It is believed that my phones were rerouted by Bright Lending in order to put me in a compromising situation relative to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a loan check from a reputable company in my Chase checking account via a branch ATM on Friday XX/XX/XXXX around XXXX. I had several hundred dollars in the account at the time. I was told there would be a hold on the check until Saturday XX/XX/XXXX and then Tuesday XX/XX/XXXX the remainder of the funds would be available. I agreed. On Saturday XX/XX/XXXX I attempted to use my debit card to find that my account had been frozen restricting access to all funds. I called customer service, was treated poorly and was told they didn't know why my account was frozen but I'd have to go to a branch in person on Monday. Today Monday XX/XX/XXXX I spent my entire lunch break at a Chase branch attempting to resolve the problem. I had to go back to work and they said they'd call. They didn't. I returned to the Chase branch after work and was told that although the check had cleared my account was still frozen because " the font on the check didn't look right '' and I would need the lender to accompany me to the bank to tell them it was real. According to Chase my two forms of ID are not good enough, a phone call from the lender isn't good enough, I need a third party from a lender to come with me to cash a check that has cleared. The branch manager got involved and realizing how ridiculously unfair this was attempted to resolve the problem. She did her best and I am grateful for her work however my account is still frozen and I have no answer as to when it will be unlocked. I was given {$280.00} of my money to basically get me to leave. I took this loan because I have very important bills to pay but I can't because Chase is playing games. The check cleared XXXX XXXX XXXXXXXX and Chase has the funds but they refuse to allow me access to my money because they simply don't want to. I have never bounced a check, never overdrawn my account, have no criminal record and yet Chase can treat me like this. I can't even close the account because it's frozen. I don't know what else to do and really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
American Express is correctly reporting my account status. My account is update and has been 2019. Ive made a payment arrangement since 2019 with American Express and they are not reporting my account correctly. My account ending in XXXX. Ive been making my court order of {$100.00} as request with the judgment.

Company response to consumer: Closed with explanation