BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I reached out to Equifax in regard to multiple inaccurate information that needs to be deleted from my credit report. I sent a letter first class mail via USPS with tracking XXXX. I did not receive a response from your company, nor did I see any updates to my credit report. 

On XX/XX/2020 I decided to reach back out to Equifax because of the incorrect unverified information you are reporting on my behalf which is against the law. A few days passed and I still did not hear back. Imagine looking at your credit report and seeing incorrect information that does not belong to you, it makes you go mad. My second attempt was mailed via USPS certified mail with tracking number XXXX. 

On XX/XX/2020 I reached out again in regard to the same inaccurate information. The letter went out via USPS first class mail with tracking number XXXX. I still have not heard back from your institution and the incorrect information is continuously reported each month. 

On XX/XX/2020 i signed up for a digital credit monitoring service online and after seeing the incorrect information being reported on my behalf i was saddened to my core. I reached back out to Equifax via first class mail with USPS tracking number XXXX. I have not heard back from Equifax. I have asked them to mail me back when they have any updates and i have not received a letter from them. 

Equifax is currently reporting 7 different variation of my name to which 6 are incorrect and the correct name is not listed as a " name '' but an alias.Keep in mind i sent a copy of my passport, ID card, Social Security card to Equifax to update their incorrect information. They have not responded to any of my mail correspondence and it has been well over the thirty-day window of response. I have asked Equifax to remove these unverified, inaccurate, and fraudulent information from my report and they simply wont comply and continue to break the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: IL
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 just recurved my credit report and I noticed unauthorized items that shouldn't be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The account in question in discussion is Ford Motor Credit the issue at hand is a late reporting in XX/XX/2020 XX/XX/2020. In XXXX I got very ill with Covid-19 I was unable to make the payment since I was to unwell. Once I was well enough to make the payment I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: OH
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 second request regarding fraudulent accounts on my credit report that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : 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 2020-04-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi I just bought a car in XXXX and my 1st payment was due on XX/XX/2020. Due to the covid crisis I was not able to pay the first installment in XXXX.. I just called my loan company Santander and made the first payment and will be making the next one next week for this month. 

Santander informed me that they reported my payment default to the bureau for my XXXX payment.. I would like to request to clear that out from my credit record as it was not intentional but I was off work because of the lockdown and covid 19 crisis. 

My credit record is new and I dont want to spoil it because of something which was not in my hands. 

Kindly do the needful Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
I have been getting charged {$20.00} per month. This has been a free account in the past. We have a mortgage with Citizens Bank that also meets the relationship requirement. I called in. I was on hold for over an hour. When the person came back on she stated she could not hear me and hung up. I would like the funds I have been charged to be re-funded. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Every day for a month I receive a call from Midland Credit Management. I have answered them but they dont seem to have conscious thought about what they are doing, they dont listen. The problem is that I am not in collection by anyone. My credit rating today is XXXX. I have no idea why they keep annoying me with calls that wake me up in the morning and late evening calls. I cant get them to stop. I can not block their number because it keeps changing. There number today is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have two accounts in collection for XXXX XXXX. I am unsure of how that happened because I do have an active account with XXXX. When I called and spoke to XXXX, they stated that one was from an address at my mothers house, which was paid in full but they say it was not, and we have proof. They said the other was from when I moved services, the representative said that instead of transferring the services, they cancelled the account and switched it to a new account and never forwarded me a bill for the previous property I had services at. Now I have two accounts with them in my collections on my credit report, but though some collection agency I have never heard of or spoken to. I have yet to receive documentation on the debt collectors part for those two separate collections they have on my accounts and credit report. One account in collection is not supposed to be there because it was paid for in full in person at a XXXX  store, and the second one was at the fault of XXXX incorrectly transferring my services and instead canceling my account and opening a new one without my knowledge nor sending me a bill for the previous account. I have called XXXX  and they are of no help and will not resolve 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 explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: AR
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: Other problem getting your report or credit score

Complaint:
I have tried accessing my credit report and score and I don't have access to neither and its very frustrating because it's basically stopping me from being able to do anything, equifax doesn't allow me to have any access to my credit report whatsoever and hasn't for i cant remember how many years I'm being told I have a XXXX credit score can't apply for credit cards NOTHING I'm just told no credit please help me fix this because the credit companies refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on my student loan for 21 years and I owe more money now than what I originally borrowed. I borrowed approx XXXX  now I owe XXXX. Though this account has been paid off through XXXX XXXX  XXXX  I would like my account looked at for accuracy because it doesnt make sense. Before I consolidated with XXXX XXXX  I called Nelnet and was told I had another 180 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Td bank americas most convient bank. turning a fraud victim, into a suspect. 
On XX/XX/XXXX I lost my debit card I didnt report it because I thought I had lost it in the house. 
Then on XX/XX/XXXX town & country called to inform that my check for my rent bounced. So I immediately called customer service to see what was going on and the customer service rep. told me that the account was in a negative balance. So I asked why and she told me about a check that was deposited on the XXXX for {$11000.00} which I didn't deposit. The fraudulent cashier check from XXXX XXXX bank was deposited into my account on the XX/XX/XXXX 2020. based on the regulation E disputes fraudulent transactions started on XX/XX/XXXX. The fraudulent ACH transactions are a total of {$2500.00}. 
The customer service rep. also told me about a whole bunch of transactions I didnt make. The next day XX/XX/XXXX I went to the police station filed a report and then went to the bank to file a claim. After I filed the claim the teller said it would take 15 or more days for the fraud department to investigate. I waited 25 days to go back to the same bank where I filed the claim and the store manager said it takes 45 days for the fraud department to investigate. This the store address XXXX XXXX XXXX XXXX, XXXX  XXXX  MD. after waiting 40 days I never received a response in the mail and no one called me from the fraud department to keep me updated. so today on XX/XX/XXXX I went to the bank at XXXX XXXX XXXX XXXX  to talk to the banker about the fraud investigation and that I wanted to know what was going on because no one had contacted me or sent anything in the mail. Then he told me that my regulation E disputes were denied and that the investigator on my case came to the conclusion that because the pin was put incorrectly the first time, it isnt a fraud. Also denying my regulation XXXX disputes because the pin was put correctly the first time when the check was deposited is unfair because my name and card info could have been stolen at a gas station or ATM by a skimmer device. 
Following this, I will file a complaint to the consumer financial protection bureau because I didn't deposit the check or make all these transactions, or put my account in a negative balance. Plus Td bank was charging me overdraft fees when my account should have been on hold. If the investigator would have looked at the cameras where the check was deposited they could see that it wasn't me. The signature on the back of the check is not mine. I'm being treated like a suspect, not a victim. 
Due to the poor management of the investigation/customer service my account is in $ XXXX which is being sent to collection. 
XX/XX/2020 2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23
Company: JPMORGAN CHASE & CO.
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got this account that is not mine and i want to delete them. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2020-11-08
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SEQUIUM has taken the debt collections from XXXX XXXXXXXX XXXX  XX/XX/2020 was place back on my credit and it was resolved by the company called XXXX money it was removed and resolved and now it's been place back on there so I will like to file a compliant and a lawsuit for harrasments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: PNC Bank N.A.
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America Debit MC is denying access to my account online and via telephone who's answering service is instructing you to go online and when doing so the website is denying access. went a local Bank XXXXf AmericaATM XXXX XXXX XXXX XXXX House ) and according to inquiry $ XXXX which is impossible because on XX/XX/XXXX Deposit $ XXXX XXXX {$13.00}.?? opening balance not showing in statement XXXX XX/XX/XXXX Available Balance {$27.00} XX/XX/XXXX Available Balance - {$11.00}? 
XX/XX/XXXX Available Balance- {$11.00}? 

Also, this debit card can not be overdrawn

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 2020-04-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX  charged me {$72.00} on XX/XX/2020 to renew a service that wasn't supposed to renew until XXXX/XXXX/2020. I called XXXX on XX/XX/2020 to cancel the service and request a refund for the charge, since no service had yet been given for it. They refused the refund. I then called Chase Bank, and filed a dispute. Chase bank now refuses to recover the funds, saying I received services for the amount paid. I sent them several irrefutable documents proving that was not true. They still refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: SC
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 made an online purchase from " XXXX  XXXX  XXXX   XXXX XXXX '' for a replacement engine ( 3.3 liter ) for my XXXX XXXX XXXX. On XX/XX/XXXX I contacted Citi Credit Card services to put a hold on this charge as the merchandise had not been delivered, claim # XXXX. On XX/XX/XXXX a delivery of an incorrect item was delivered to the dealership responsible for completing installation. I was notified by the dealer that a 2.7 liter engine for a XXXX XXXX XXXX was sent in error. I contacted " XXXX XXXX XXXXXXXX XXXX XXXX '' and was informed they did not have the correct part I needed in stock and could not give me an estimate of when one would be available. I told them that I would need to look elsewhere for the part as I had no vehicle to drive and asked them to refund my payment and they refused. I contacted Citi Credit Card services and made them aware of the above transactions and to issue a full refund. Citi contacted the vendor and was supplied delivery documents for the incorrect part and refunded the vendor anyway. I contacted Citi Credit Card services by registered mail and by phone numerous times asking for an explanation for their actions and proof that the vendor had satisfied the dispute with documentation. I was told that they would investigate and send me documentation for their actions but only received letters saying the dispute was closed. I have been a Citi Credit Card services customer for 28 years and the first dispute I file is totally mishandled and I am expected to pay {$2100.00} for merchandise I did not receive.

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 2019-05-17
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/2019. 
{$35.00} Victoria Secret Angel Card. 
I missed pay few hours on the due date because I have health issues, actually the last payment was a late fee charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2020-07-27
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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