BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX 
XXXX I work for XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: ECMC GROUP, INC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I consolidated my various student loans into two loans -- one for subsidized loans and one for unsubsidized loans. My original lender was XXXX XXXX. Those loans were then passed to XXXX XXXX XXXX and are now held by XXXX XXXX. 

In XXXX, I lost my job and fell behind on my loan payments. I did n't pay much attention to my credit for many years. 

In late XXXX, I received a forbearance from XXXX XXXX. 

In XXXX, I started looking at my credit report and trying to pay off and repair as much as I could. I found an entry from Educational Credit Management Corporation ( " ECMC '' ). The ECMC website states that it is a guarantor of student loans. I also received several letters from collection agencies of ECMC. 

On XXXX XXXX, XXXX, I wrote to ECMC requesting verification of this debt. On XXXX XXXX, XXXX, ECMC wrote to me that it was unable to locate my account. I wrote to ECMC again on XXXX XXXX, XXXX, requesting verification of the debt. I have never received a response to this letter. 

In XXXX XXXX, I submitted an income-driven repayment plan request to XXXX XXXX, and that request was approved. I also submitted the IDR plan request to ECMC. I received an automated responses statement it had been received. I have never heard anything else from ECMC.

Either ECMC or one of its collection agencies is calling me and my family. The persons refuse to identify themselves or state what business they are calling from. They state only that they are calling about one of my student loans.

I believe that the loan ECMC is referencing is a duplicate of one of the loans held by XXXX XXXX. The only way ECMC could collect from me would be if ECMC had paid part of one of those loans, but ECMC had never provided me with any documentation of payment. ECMC is harassing me and my family and ruining my credit ( I have fixed quite a bit of it ). ECMC will not respond, and I do not know what else to do.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
We were in receivership fully intending on keeping the vehicle and they repossessed 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 2018-04-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Suntrust Bank opened up a checking and money market account for me on XX/XX/XXXX. I deposited XXXX in the money market account and XXXX in the checking account. On XX/XX/XXXX Suntrust told me my accounts have been closed due to undisclosed federal regulations. They would not tell me the reason even after going into the branch. They then told me my money would take 30 days to mail back to me. I find this unacceptable that over $ 21k dollars is tied up by the bank for this long.

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 2019-02-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX placed a collection of X amount on my Credit Report without any notice of my rights to dispute. The information provided claims that I opened an account with " XXXX XXXX XXXX '' on XX/XX/2017. This doesn't add up because at the time of my XXXX I was going for my XXXX  clearly before my daughter was born inXX/XX/2017. After XXXX XXXX, I never got check-ups. I tried resolving this issue with the number listed and I was put on hold for several minutes before they hung up on me. No callbacks or response ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i applied a chase saphirre preferred card on XX/XX/XXXX, and according to the application as well as the offer on chase website ; the card carries no annual fees on the first year and {$95.00} thereafter. However on XX/XX/XXXX ; I was assessed a {$95.00} annual fees. I called Chase credit card and they are saying I was not eligible for the first year free annual free. I am confused why the web site and the offer as well as the branch saying it's free of annual fee and the credit card dept saying it's not free on the first year. I think they are engaged in deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: FL
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 on-line since XX/XX/18 to see my Equifax credit report. As of today I am still not able to gain access. The claim of Equifax is, order in progress. Plus they state since XX/XX/18, Our records indicate that you already have an order in progress for this product. We will email you when your order is available for viewing in the Member center. If you have any questions, please call us at XXXX ( XXXX ) or email us at Equifax Customer  Care. I tried the link to e-mail Equifax and as expected it didnt work either. 

Please accept this e-mail as my official complaint that Equifax is harming me by their continued XXXX!!! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2017, BBVA Compass bank was offering a bonus of {$200.00} when a consumer open a new checking account and make a direct deposit of at least {$300.00} within 60 days of account opening ; I opened " ClearChoice Free '' checking account in XX/XX/2017, and made 1st direct deposit within 60 days from account opening ; I have NOT received the {$200.00} bonus as promised ; I made numerous phone calls to customer service, there is no resolution on this issue ;

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an account with all 3 credit bureaus regarding Diversified consultants in which they purchased or inherited an account from XXXX XXXXXXXX XXXX {$580.00} XXXX after I asked the to validate this account and they could not validate, and now I have asked Diversified Consultants to validate this account as well, and they did not validate. But they are still reporting this inaccurate account on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: STERLING JEWELERS, 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: Account status incorrect

Complaint:
Kay Jewelers are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I was on a plane to XXXX, as I was going to be in XXXX my Mom was monitoring my credit and saw something go through while I was on a plane, she didnt know you could buy wifi or pay my bill on the plane which is what I did and reported it as fraud thinking I was on a plane. This was corrected the second I landed and could receive text messages, the mistake was corrected yet Capital One shut down both of my cards even though I never missed a payment, knowing this would leave me having difficulties in a Conflict Zone. Their excuse was we can shut your card down for whatever reason we see fit and youve barely been a costumer for a year, therefore severely damaging my credit report and taking money out of my Mothers account unauthorised after they shut down the card and after my Mom stated she would not authorise anymore payments to them since they closed two cards, one with no issues and one with a mistake, their main reason was I was only a Costumer for about a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21
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: Account information incorrect

Complaint:
Trans Union is reporting the XXXX XXXX XXXX over payment as part of bankruptcy when it was paid off.

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 2017-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just found your website. Wish I had learned about it earlier. This complaint is not timely nor do I want a response. I just think those in charge of banking law enforcement should be aware. 
It 's been a couple years now. I deposited a personal check from my mother in a Wells Fargo checking acct. at one of their ATMs. ( XXXX XXXX, Ca. ) The screen reported that the check was " questionable '' and funds from this deposit would not be available for 10-14 days. I now know that checks must be honored or returned in no more than 4 days max.. 
Here 's the kicker! A couple months latter, I deposited a tax return check from the State Of California. Again, I was informed that " our system finds this check questionable '' and funds would be delayed for 10-14 days. If this is widespread, I can see how it could be lucrative for Wells Fargo. Free Money! 
Shortly thereafter, I heard they were in trouble for other violations. But I never heard of them being charged for this. Just headsup!

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 2018-03-11
Company: BB&T CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017.  This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. 
This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Rocket Mortgage, LLC
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:
XXXX XXXX XXXX inaccurate information to credit company or broker

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: SYNCHRONY FINANCIAL
State: FL
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 applied for the XXXX rewards credit card through an email I received, it said I will earn XXXX points after spending {$3000.00}. I did this and was only awarded XXXX points. I called customer care and they said many times I will receive on my next statement. Four statements have since passed and I haven't received my points after countless managers told me I would receive it soon. This is unfair and I would like the missing XXXX points to be awarded please.

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 2019-02-03
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2017 I spoke to a representative and told the person them that this bill was inaccurate because their was a second insurane that should have been filed at the time of the visit and the man who i spoke to begin to tell me that i need to be responsible and pay my bills i told the rep that i was not going to go back and forth he then begin to make a threat to me and say that he was going to have it placed on my credit report because that would be the next step my concern is that it was placed due to threats this problem have causes a significant drop in my credit score. I will like for this to be resolved and removed off 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 explanation
Consumer complaint received 2022-01-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, BMO Harris BK at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that BMO Harris Bank allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.

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 2018-03-12
Company: WELLS FARGO & COMPANY
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 would like to investigate my account Wells Fargo. Account number : XXXX. On XX/XX/XXXX, I got a court letter mentioned that I still had outstanding balance with total amount {$11000.00}. On that date, Wells Fargo illegally withdraw my money from my account without going to the court system. I am so depressed now because I need to have this money to take care of my family. Please I want to get my money back. Thank you.

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