BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: EQUIFAX, 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:
On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX pacific time. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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:
this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are 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 explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, 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:
this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.

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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are 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 explanation
Consumer complaint received 2020-10-12
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a checking account with Key Bank in Washington state. I have my paycheck from work automatically deposited there every other Friday ( our payday ) and I bought a car 3 years ago and have my monthly car payments automatically debited from my Keybank checking account. About 1-2 months ago, I received a letter from Keybank telling me that my account will be closed soon because it does not show any activity. I called keybank and asked what the letter means and if I have to do anything about it. The keybank customer service person said that he checked my account and he can see the activity or transactions- the automatic deposit from my employer and the monthly car payments. I also occasionally make payment to my credit card using the app. I also log in to my account every other Friday to check my paycheck deposit. On XX/XX/20, I was shocked because when I logged in to my Key bank app, it says my account is closed. I called Key bank and they admitted that my account is closed and that my funds were sent to the state. They told me that what their customer service person told me was wrong. Key bank said that I needed to make a transaction- use my debit card, write a check or go to the bank in person to deposit or may physical transaction. They said my paycheck automated deposit from my employer nor the car payments are not considered an " activity '' and so my account was closed. They told me to go to the unclaimed property website and find my state and claim my money. They are sorry that they gave me the wrong info when I called after receiving the letter. i checked the unclaimed property website and my money is not there and also my car payment was missed. Pls call me for additional info - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
To begin with thank you for taking a look at this. I hate to say it has only gotten worst since the fist complaint. When I wrote you I had written anyone and everyone I could trying to find someone to help. I got an email from Gov. XXXX 's office saying XXXX requesting XXXX reopen my account so I could file for benefits. With in a week I was set and ready to receive benefits. I called the card company to have them close the fraud account, and open a separate one for my self. Person I spoke with said I couldn't do that, but change my address, charged me {$20.00} dollars to get the card 15 to have it shipped in two days. N the date XXXX & XX/XX/XXXX of XXXX deposits where being added to my card until the 2nd from the last, then there was withdraw of {$3900.00}. The card company said that XXXX  DID IT, the fraud department said it said XXXX did it, XXXX said they did not show they didn't show they didn't do it, I would have to deal with them myself. Finally XXXX  emailed me saying it was the card companies mistake and I should get the money any day that was another week ago, the gentleman I was dealing with hasn't responded since the XXXX. And as far as the card company they have the rudest Customer service department, waits as long as 3 hrs. And I still can't use the on line account because the old user name, password and email are still set up from the fraud. When I try to reset, it sends it all to the fraud account email. So other than calling them, I have no way to talk to them, I've spent over {$20.00}, in charges to contact someone. So to be honest, I don't know who has the money or who you should talk to. It has been over 14 weeks since first day that I had filed ( XX/XX/XXXX ). Because of this I've used all my savings, maxed out 2 Credit cards, lost assets, my place to live, dropped my credit score, and spent more time on hold going back and forth, than able to job search. All I want right now is the {$3900.00} back right now so my son and I can get back in our house. I'll send you the 3 most recent Emails I have gotten other than that until I can get inside of my online account and send a copy the transactions. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have ultra ultimate rewards credit card issued by XXXX XXXX and during a purchase I was informed that my credit limit has been reached. I was confused because I had well over {$600.00} in available credit. When I called XXXX XXXXk customer service they informed me that they had decreased my credit limit but they had not in fact me of that until I called. They also said the reason for them decreasing my credit limit was because of information they receive from my the credit bureau. I asked them whyBut they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}. But they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ID Analytics, Inc.
State: NY
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:
fraudulent unauthorized inquires that I see on my credit report which I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called American Express today to say that I will likely have trouble laying next months bill, and after being transferred to 4 different  representatives, they said to call back once I was closer to my payment due date. I tried to say that I want to get ahead of my situation before I got behind in my payments, but the rep said that no matter the hardship there is nothing they can do for me right now. It was very disappointing they didnt even try to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Other problem getting your report or credit score

Complaint:
Equifax does not allow me to log in. The reason is that the name they use on businesses to verify me is different from the name the businesses use themselves. Example : XXXX   presents themself to me as XXXX ( XXXX is an abbreviation for XXXX XXXX XXXX XXXX XXXX. 

For this reason I can not be verified. 

I have asked them for a verification that is not defective like this, but it is like talking to a wall. The operator and the supervisor can not 1. refresh the questions, 2. Verify me some other way, og 3. Fix the defective system. 

Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WELLS FARGO HM MORTGAG 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 explanation
Consumer complaint received 2020-12-16
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have followed the proper protocol in regards to collection agency reporting false information to the credit bureaus that hurting my credit score tremendously. I have requested validation of debt from professional debt numerous times but the debt buyer has responded back by spending Invalid lease from the original creditor XXXX XXXX thats nothing of the amount of their are attempting to obtain. I am requesting the proper documentation the dates & signatures of the lease that shows im obligated to pay this debt. Some old documentation were mailed to me that didn't show the proper lease or why that amount is required. I need this to be remove from my credit immediately or ill seek legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: I.C. System, 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: Account status incorrect

Complaint:
IC System is reporting that I owe a bill to XXXX. I have tried to contact them and they say that its verified to the credits bureaus. I have attached proof that said account is not owed.

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 2020-10-12
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:
XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update 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 2020-01-20
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 am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

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 2021-07-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/2021, I got a letter from Fraud investigation department : we are writing to inform you that we completed the investigation on your Macys American Express card account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 
But until today they keep sending to me the debt up to {$1000.00} I did call them, they said they dont know about any letter that I told them, on XXXX and XXXX XXXX they investigated again, and I have to pay the balance I sent them that letter, but nobody take care my case, I call them more than 20 times, everytime it took me 3 hours for them to transfer my phone calls around departments, one day a man told me : he will clear my debt, but now the debt still there I did talk to a lot of people when I called in, finally no one help me out Today, one man told me, the letter I have, it s long time ago, no value, I have to pay the debt, Im so stressed

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 2020-01-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX for years has reported a foreclosure that I had from Chase Mortgage ( JPMC ).  As of the credit report dated XX/XX/XXXX it showed the foreclosure from XX/XX/XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, XXXX has this account listed twice. One as paying late under Chase Mortgage XXXX true ) and another under JPMCM showing the foreclosure ( true ). The account on XXXX looks like two different negative reports. I have gone through the dispute process and have gotten nowhere. Basically Chase bank is re-reporting my foreclosure from XX/XX/XXXX in XX/XX/XXXX. XXXX tells me it's Chase doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the second complaint regarding this bank ( Huntington Bank ). My first complaint was resolved after approx. 2 weeks of fumbled research and was well documented that Huntington made an error ( issuing cashiers checks from a line of credit that I didn't authorize ).

Now, I just received an alert that I set up regarding a transaction that exceeded a predetermined threshold. Upon investigating the transaction I discovered the account no longer exists and I am not sure where the withdrawal of {$550.00} went.

I spoke with 3 people at the Bank and none of which can tell me what happened and why the account was closed. I was sent to a phone number XXXX that is simply voicemail. 

I have no idea if this was fraudulent or if there was another issue. However, I find it very unsettling that financial institution does not have anyone on hand to explain to the consumer what happened. 

This closely mirrors the previous complaint in which I was told there is no one in the Bank to address my concern because it was around XXXX ( not on XXXX ) and there was no one of authority around to remove the hold on my account despite the facts pointing to Huntington as the cause of the error.

Company response to consumer: Closed with explanation