BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: MI
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 repeatedly contacted XXXX, Equifax, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: NCB Management Services 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 WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2019-06-20
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and  these line item needs to be deleted from 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 2021-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before i file a lawsuit.

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 repeatedly contacted Transunion, XXXX, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX is always able to provide the report for XXXX or XXXX when I request it. For Equifax it seems I am unable to even access the report. Each time I request it I can NOT get my report. Security questions clearly include information that is not mine. I am unable to dispute it because I am unable to get a report to see what is on it. How do I get a report when the security checks do not allow for the right person to provide their correct information? What would it take to get a copy of the credit report from Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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:
I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

XXXX BXXXXk XXXX XXXX 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 2022-03-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday XX/XX/2022 I reached out to Wells Fargo for some answers as to a strange change of address on my account. I was first made aware of this issue when my wife ( Joint owner of account ) tried unsuccessfully to utilize her debit card to " pay at the pump '' As I reviewed my statements on line ( which is the way I manage my accounts ) I noticed a XXXX Fl. Address displayed as my home address, which prompted the call to Wells Fargo. I waited 15 mins for a rep to answer and was greeted by XXXX after my wait. Much to my surprise and agreement they required numerous ways to validate that I was indeed the owner of the account. From SS # 's, Bank Account # 's, Text messages to my with verification number and even validating addresses ( That they have wrong ) my inquire was two fold. 1 ) How did they acquire the XXXX Address 2 ) Why is a XXXX XXXX account still open and they continue to charge me. 
The answer that I received was not acceptable and the rep 's lack of customer service when unable to provide the information, is apparently Wells Fargo 's new business model. ( Total lack of any service ) The address that they are reflecting, again has never been resided in by me nor my wife. XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I need the correct information as to how this address was changed. Wells felt that they could tell me the Post Office did it, this is not acceptable as I can track that data and it is not correct. Nor did we have any other loss of mail. I want clarity and transparency from my bank!

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 2017-11-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I used the drive thru ATM at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, TX XXXX to deposit Money into my personal checking acct. I put {$2200.00} in {$100.00} bills into the ATM. It asked me to verify a {$1700.00} deposit. I replied " no '' and pushed the button to return all items inserted. I returned XXXX  {$100.00} bills. I looked around on the ground and saw no other bills. I then took the bills returned inside the branch and had the cashier/teller count them. She put them in a bill counting machine and confirmed XXXX {$100.00} bills. I asked the teller if they would mind opening the ATM to see if the missing bills were jammed inside. I was told at that time that Wells Fargo does n't own, have access to, or audit those ATMs. The company that does own them audits them every 2 or 3 days. I filed a claim there and was asked if I would like Wells Fargo to temporarily cover the {$600.00} loss while the claim was investigated. I said I would and deposited the {$1600.00} plus the {$600.00} credit into my checking acct. On XX/XX/XXXX Wells Fargo debited my checking acct {$600.00} informing me that the ATM owners had found no overages and the ATM balanced. This action put my checking acct in a negative balance and I was charged a {$35.00} overdraft fee. The following day a bill I had previously scheduled to debit was payed by Wells Fargo adding to the negative balance and I was charged another {$35.00} fee. Total loss {$670.00}. Wells Fargo advertises the ATMs as their own giving consumers the feeling of security in using them. Their Logos are prominently displayed on them and their website encourages consumers to use them as being safe, secure and reliable. However, they neither maintain or audit them, leaving this to a second party company. I followed up with Wells Fargo on XX/XX/XXXX stating I disagreed with the findings of the 2nd party audit ( owners of the ATMs ). Wells Fargo told me they would review the findings and that it would take 10 business days. Apparently they could find no discrepancies in the 2nd party 's audit results. I was advised of this through mail 3 weeks later.

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 2022-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: JPMORGAN CHASE & CO.
State: AZ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX University. 
Debit Card stolen, Tried to get CS to assist and still to this day. They haven't and they are still holding money. 
XX/XX/XXXX Chase Bank Checking and Savings account Compromised. 
They said they sent money to XXXX XXXX.I asked why? And what makes then think they are authorised to do so..They hung up in my face. 
BOTH BANKS ARE LIARS AND THIEVES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to the Bank of America branch located at XXXX XXXX   XXXX XXXX. XXXX  XXXX, IL XXXX and requested to open an account for my child ( a minor ). The banker advised that they are unable to open the account without the actual social security card being presented at the time. I returned to the same branch and produced the social security card and I was again denied the account for my child. I later received letters from Bank of America explaining that the account was not open based on information on my child 's credit report.

My child is a minor and can not enter into any binding contract or agreement required for obtaining any credit nor does he have an existing credit file at age XXXX. I feel discriminated against regarding the inability to open the account for my child and I am wondering why would the banker obtain a credit report for a minor. I don't want Bank of America to receive any credit reports regarding my child and I demand that Bank of America remove any inquires placed made by them to any credit reporting agency specifically 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 2021-09-11
Company: CITIBANK, N.A.
State: NC
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:
In XX/XX/XXXX, we purchased a chicken coop online for {$1000.00} paid with our Citi credit card. What we received was a damaged piece of junk that continued to fall apart after assembly, deceptively marketed with fake reviews and unable to be returned. After a month of failing to convince the vendor to honor their warranty, we disputed the charge with Citi on XX/XX/XXXX for Goods / services not as expected. 

Citi assigned the dispute case XXXX, and on XX/XX/XXXX they closed their investigation for the first time and reversed the conditional credit, claiming we were responsible for the charge. Their inexplicable reason for this was a response from the vendor of proof of delivery a fact never in contention. It also set the pattern for continued interactions with Citi. 

We provided additional information as requested by Citi time and time again. These responses went to them on XX/XX/XXXX ( closed XX/XX/XXXX ), XX/XX/XXXX ( closed XX/XX/XXXX ), and XX/XX/XXXX. First, they wanted proof of the issues. Then they wanted us to return the coop, even when we had already explained why we couldnt. Their last response was perhaps the most egregious, they ignored all content of the message and simply said they appreciate your feedback before closing the dispute again. 

We have been customers of Citi since XXXX, and despite all the evidence and messages we have hit a wall. Citi has refused to address the reason for the dispute, has refused to answer our questions about their investigation, has refused to reopen or review the dispute any further, and is instead is standing by a deceptive scammer.

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 2019-08-05
Company: EQUIFAX, INC.
State: CO
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 called Equifax customer service two weeks ago to permanently unfreeze my credit report and lift lock on my online Equifax account. I answered all the security questions and representative said both tasks have been taken care of. As of today, neither issues have been resolved. My credit report is still frozen and my online account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
OnXX/XX/XXXX, I went into Chapter XXXX Bankruptcy. My School loans which was then serviced by XXXX XXXX, had a balance of {$12000.00}. During the 5 year Backruptcy, the trustee made monthly payments totaling {$7300.00}. I received a notice on XX/XX/XXXX from Navient, that I still owed a balance of {$10000.00}. My interest rate is 8.25 %.
This is the information from the National Data Center 's Claim Summary. I will attach these documents as well.
CREDITOR INFORMATION Creditor Name XXXX XXXX XXXX
Mailing Address ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Contact Name EXT # XXXX Phone Number ( XXXX ) XXXX CLAIM AMOUNTS Claim Amount {$12000.00} Scheduled Amount {$12000.00} Monthly Payment {$0.00} Principal Paid {$7300.00} Principal Owed {$8.00} Principal Due Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-06-20
Company: Experian Information Solutions 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:
inaccurate information on credit FTC violation.

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 2022-03-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a business checking account online, and now I want to close it. TD Bank is telling me I have to go to a branch to close it, which is very inconvenient. The account has {$0.00} in it, but TD Bank is planning to charge me {$25.00} a month in fees for an account I have asked them to close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Velocity Portfolio Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX dated XX/XX/XXXX Indicating that I had an outstanding Velocity Investments LLC debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with Velocity Investments, nor with The XXXX XXXX. 
I then received a letter from XXXX dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. 
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. 
I believe this to be a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation