BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TN
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/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, Comenity CB/XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Comenity CB/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: WILKINSON LAW FIRM, P.C.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX. 
I contacted the Wilkinson Attorneys at Law at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
Wilkinson Attorneys at Law never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, XXXX . I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being Wilkinson Attorneys at  Law ( representing XXXX XXXX never responded in writing within 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The department of education has breached the contract I had with them. NELNET gained access to my personal information. NELNET has presented itself as a government agency. NELNET is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with NELNET. Their dispute is with the federal agency who they entered into a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on

my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: GA
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 opened this credit card with a XXXX annual fee for the purpose of travel benefits. Then Covid19 hit and travel stopped. Because I cant receive the travel benefits I called to ask for a refund of the annual fee and was told it was too late. With all the extensions given because of Covid I asked if they would refund the annual fee but was turned down.

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 2017-09-19
Company: JNR Adjustment Company, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX stated that I caused or ALLEDGELY caused some type of " property '' damage to a neighbor. I received a letter from XXXX XXXX XXXX in the mail on XX/XX/XXXX 
On XX/XX/XXXX I email XXXX XXXX XXXX regarding the claim to the email address they had on file " XXXX '' I email them on the following datesXX/XX/XXXX XX/XX/XXXX ( Twice )XX/XX/XXXX I received a letter from JNR Adjustment Company ( Debt Collector for XXXX XXXX XXXX ) onXX/XX/XXXX. I called JNR Adjustment Company on XX/XX/XXXX @ XXXX XXXX 
XX/XX/XXXX@ XXXX XXXX 
XX/XX/XXXX @ XXXX XXXX 
I did not receive a call back from the company, so I XXXX the company name and owner XXXX XXXX and email him at XXXX onXX/XX/XXXX 
On XX/XX/XXXX, I received a call from XXXX from XXXX at JNR@XXXX He left a message and I called him back at XXXX 
XXXX called me back at XXXX. I informed him that the call would be recorded. XXXX informed me that he did not want to be recorded and immediately ended the call.

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 2023-01-19
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammers made it seem like a friend was in danger unless I wired money to fly them home. Starting on XX/XX/XXXX. I wired 4 installments of money to various banks in the USA. 
The first two installments were {$5200.00} each. The third and fourth were each {$25000.00} I could not get the money back unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: WA
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 reported that I failed to pay in XX/XX/XXXX on account that was closed in XX/XX/XXXX and included in my chapter XXXX bankruptcy. I disputed this information with Experian in XX/XX/XXXX and they responded back that the information reported on my report was wrong and they corrected it. The next day the wrong information was put back on my credit report. I then contacted Experian about the problem on the phone and they agreed they were in the wrong and would delete the information after a new dispute. Again they investigated the information and removed the negative mark, then the next day it was put back on my report. 

I believe Experian is now in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) for reinserting this incorrect information, not once but twice.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NJ
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:
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 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-12-19
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX reduced my credit limit in XX/XX/2018 from {$500.00} to {$400.00} without any prior notification and my balance was below the 30 % usage and payments were made on time. I called them when I realized what had happened and they claimed because of my credit history which makes no sense if my payments were being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XX/XX/19 Contacted Capital One Dispute Resolution to file a dispute against XXXX XXXX car for the amount of {$750.00}. During the call the Agent could see that a credit for that amount from XXXX was pending and advised us to hold on filing a dispute to let the credit clear which we agreed and cancelled the dispute with the agent. 

XX/XX/19 The credit from XXXX XXXX for {$750.00} cleared our account. 
No further action taken on our end. 

XX/XX/19 a Rebill charge from Capital One appears on my statement for {$710.00}. Upon calling Capital One I am told by the Transaction Manager that our dispute was never cancelled by the agent, a mistake on their part, and that a credit was issued to my account in XXXX ( back dated to XX/XX/19 ) but showing up on my XXXX statement for {$710.00}. 

Upon questioning why this fraud credit was issued by their agent and not removed right away there was no response other then they have 90 days to resolve a dispute. There was no dispute. The agent did not have my permission to place any dispute, nor did they have reason to as they could see the credit pending in the system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled right away : 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a collection from debt recovery solutions. I have asked that they provide proof that I owe the debt over 30 days ago and was told I was going to get it. Never got proof for the XXXX dollar debt. They have not taken it off my credit report either. It needs to come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: GA
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:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I work for the XXXX XXXX XXXX XXXX. I deposited my work check pay date XX/XX/2018 for the amount of XXXX dollars into my checking account.The check was unable to process. I was told that the bank that written the payroll check had insufficient funds. After contacting Fifth Third several times I was unable to get assistance on why the check didnt clear. On top of rude customer service every account specialist that I spoke with gave me different dates on which I MIGHT be able to get my funds. Being that the post office is a federal agency job I should have had faster results. Instead of a date saying it will be processed after the holiday when thats a whole new pay period. They delayed bills from being paid. Fifth third is by far the worst bank I ever dealt with. And I dont suggest them to no one. I will also contact news station to let potential customers know how they treat their customers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 I accidentally sent XXXX to a individual through Cash App. I reached out to the person requesting a refund. They haven't responded. They also did not accept the refund. I reached out to Cash App support team. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express LIED TO ME They told me that they would help during this pandemic and out and out lied. 

They helped for 1 month, just one then started reporting and charging the XXXX out of me for everything they could. 
Constant harassment non stop. Bad reports on mu credit report. over balance missed payments and other XXXX THEY LIED TO ME JUST ABOUT TO GET IS ALL STRAIGHT GUT AFTER THEIR CONSTANT HARASSMENT IM NOT TALKING TO THE XXXX  ON THE PHONE. 

Want to close account and pay it out but they are being XXXX. Yet again. 

THEY LIED TO ME AND TOLD ME THEY WOULD HELP BUT THEN TURNED INTO A PAWN SHOP. 

This needs to stop and there needs to be a correction filed on myk credit over their LIES, Tried over and over to get them to email me since I've been XXXX  and my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Now I am being charged by Experian for a bogus charge against my credit card and my checking account. A charge of {$24.00} has been charged against my Credit Card/ Bank account with out any authorization from me. 
I was never notified or have I spoken to anyone at experian regarding a charge against my Credit card or my Bank account. 
I have had to destroy my C/C from my bank and dispute this charge by Experian that Once again " I never authorized ''. had no idea I was going to be charged and have no idea what the charge is for? 
I want experian to be held totally responsible for all of my inconveniences. and to send me a letter of apology.

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 2020-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I HAVE A SEVER XXXX  XXXX AND NO ACCESS TO XXXX  OR USAA. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to XXXX  requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX XXXX  RECIEVED THE BELOW : XX/XX/XXXX XXXX. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
USAA FRAUD CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY XXXX  AND USAAXXXX Confirmation XX/XX/XXXX USAA XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Account information incorrect

Complaint:
XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-08
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: Account information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my rightto know of what is going on with 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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I visisted XXXX but unable to get reports from agencies.

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