BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
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:
Wells Fargo lost hundreds of dollars over the years. I was charged XXXX  unexpectedly and experience many unfortunate situations with that 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 explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
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:
I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX XXXX XXXX- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a XXXX   debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. Equifax claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and Equifax is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if Equifax does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of Equifax 's use of automated software ( XXXX ),  which has incorrectly tied me to this debt or item on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: AL
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:
Tried to reach out many times to get these issues taken care of with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.

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 2019-04-18
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX  Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXXS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX.   XXXX. I have reached out to my local police and FTC. I'm doing this on my own.

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 2019-04-18
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 HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM EXPERIAN 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: STERLING JEWELERS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2015, I was contacted by someone on behalf of Jared 's Jewelry about a debt that I failed to uphold payments on. I was told that if I was to pay an agreed amount on that debt, the collection would be removed from my credit report. I paid as agreed and Jared 's refused to uphold their end of the bargain. I wanted to make things right on my end of the deal, which I did. I expect for Jared 's to do the same. I have paid this debt and would like for it to be removed promptly from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company reinsert a business account on my personal profile

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 2022-08-11
Company: Experian Information Solutions Inc.
State: MD
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:
To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, EXPERIAN, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

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 2019-04-18
Company: Midwestern Health Management INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received 4 remarks from XXXX XXXX XXXX  about bills that have went into collections. I wasnt not notified that I had these bills or that they were delinquent and about to go into collections. I was enrolled in college during these dates and moved every year - sometimes up to three times in a single year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: NV
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 my Equifax credit report, I have a negative item from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NV XXXX in the amount of XXXX. 

On several occasions over the past month I have disputed with Equifax that this debt was was actually paid as agreed, and requested proof that the debt was not paid as agreed. Each time I receive a reply that that have confirmed that the debt is being reported accurately. 

However, on not once has Equifax or XXXX XXXX XXXX XXXX been able to provide me with a single document showing that I did not pay the debt as agreed, even though I have requested such documentation. It appears that Equifax is simply asking XXXX XXXX XXXX XXXX " are you reporting this accurately '' and taking their word for it. 

How can Equifax be verifying this debt without having some sort of back up documentation that it was not paid as agreed? Why hasn't this documentation been provided to me? A ledger card, contract, or any number of other items would suffice in proving this debt was not paid as agreed. I have attached my most recent request to Equifax that outlines some examples of documents that would satisfy me as proof that I did not pay this debt as agreed. 

How can it possibly be legal, or ethical for a company to that is responsible for providing accurate consumer information to report such information and then claim that have verified it without providing appropriate documentation of the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CHECK INTO CASH INC.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieived an email from CC IN Holdings ( CCrecoveries ) back in XXXX and never recieved a letter via mail. It was disputed via email and on the day after XXXX, CCrecoveries debited {$800.00} out of my checking account without my permission or authorization. There are no legal matters filed against me and they had no authority from me to take a payment as I never authorized such payment. They should not be allowed to debit accounts without consumer knowledge. I was traveling with my children and could not get gas because they took that amount out unauthorized. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I started at the University of XXXX, I let the admissions representative that was helping get started that I had a background issue would it be a problem? She stated no. At this time my degree is in XXXX XXXX/XXXX XXXX. It is a problem I have applied to several places and have been turned down be cause of my background check ( criminal background check ). So I explained this to my loan servicer, which is XXXX. I applied twice, the first time they denied my they stated that XXXX denied me and they had no control over the discussion, and to call XXXX. XXXX referred my back to them. Then they said I filled out the application wrong and I needed to redo lines 9 and 10. So I downloaded another application and re did it. Then I decided to call to check and they said I was denied again because I need the school to say they knew, and to call XXXX because they handle all decision. XXXX said it was not true and to get a supervisor. I do not know who can help me but I am getting the run around from both of these companies and I just do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have received a {$21.00} credit report fee from Experian. However, I did not order a credit report. Their phone system will not allow me to speak to a person. It just hangs up on me. I have had this problem in the past when I have asked for my Credit Freeze to be lifted. I know there is a small fee for lifting my Security Freeze but Eperian soon bills me {$21.00} in addition to the agreed upon fee.

I think it is terrible that their phone system will automatically stop my call when I try to call them to correct this problem.

Today I when through their log in process 6 times and each time they simply said " Good bye ''

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 2021-05-06
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
IOn XX/XX/2021 a charge was made againt my XXXX XXXX  card ( CashApp mobilie app ) following which time I contacted support on the mobile app. There is never anyone available by voice on the phone nor by live chat ; only by XXXX  email ... days later which emails can not be verified. XXXX XXXX  refuses to address the unauthorized charge issue, refuses to investigate the issue, and even worse has very poor security mechanisms in place to properly secure my assets and prevent fraud. The security failures are so gross such as to suggest XXXX XXXX  is complicit in the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent XXXX XXXX a letter asking for validation of this medical bill on XX/XX/2019. The FCRA gives them 30 days to respond, It is now XX/XX/2019 and I have not received any correspondence from them. I have also contacted the credit bureaus asking for validation and proof of this debt and they didnt send the results either. I never signed a contract with XXXX Outcomes giving them permission to receive my medical information. This is a clear HIPAA 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 2019-03-26
Company: Experian Information Solutions 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:
Previously submitted a complaint and neglected to include all credit bureaus. XXXX XXXX has been satisfied and I've even acquired new service at a new residence. They are still reporting as a negative item on my credit report which should be removed as I do not owe a debt.

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 2018-04-15
Company: EQUIFAX, INC.
State: GA
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:
XXXX XX/XX/16 XX/XX/16 Never gave permission to run my credit. They did it twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX did an inquiry and I do n't know why

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Between XX/XX/XXXX and XX/XX/2019, we applied to Bank of America for a HELOC of {$500000.00} or so. At the time BOA was running a promotion rate of prime minus 1.51 %. We learned about the rate on BOA 's website but decided to work with a loan officer introduced by a XXXX XXXX investment advisor. The loan officer 's name is XXXX XXXX XXXX, VP, Wealth Management Lending Officer of Bank of America ( NMLS XXXX ) at XXXX XXXX XXXX, XXXX, NY XXXX. 

Both my husband and I have spotless credit history and very high credit score. We have been a BOA customer for over 15 years. By XX/XX/2019, we supplied Mr. XXXX all application documents including personal tax returns and proof of primary home insurance. On XX/XX/XXXX we also accommodated the appraiser sent by BOA to evaluate our house. But Mr. XXXX insisted on us sending my husband 's business tax returns and financial statements. My husband is only one of the three partners of his business. He does not have the authority to disclose his business 's financials which he only owns one-third of. Despite our repeated explanation, which was backed by the business 's accountant, Mr. XXXX denied our HELOC application. 

We feel strongly that Bank of America treated us unfairly by denying us a home equity loan. Since my husband 's business is neither a party to the loan nor a guarantor, it is inappropriate for BOA to ask for financial records of the business. What's more, the business is a separate entity co-owned by other people who have nothing to do with our HELOC application. And to deny us a loan because we failed to supply documents that we can not legally share is outrageous. 

I should also mention that when Mr. XXXX emailed us the Bank 's decision, he directed us to the XXXX XXXX   investment advisor, whom I mentioned in the beginning, by copying him in the email ( totally ignoring our privacy ). The investment advisor has tried for years to gain our business and manage our brokerage assets. By denying us the HELOC, Mr. XXXX intended to blackmail us into opening a brokerage account with his partner at XXXX. This is business practice in its ugliest form. 

We have been XXXX XXXX XXXX retail customer since the beginning of our career. We are dubbed their preferred clients. If even preferred clients are treated unfairly or even extorted in time of need, can you imagine what an average customers treatment would be like?

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