BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NC
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/2019 I submitted a complaint to Equifax and disputed several items. In that dispute I requested to get the information they had to prove the accounts were valid as several of the accounts were not in fact valid. The dispute came back with only wording stating we verified that this account is in fact yours and no information to back up if it truly is mine or not. No way for me to verify or validate that it is mine as several of the items are still questionable. Several inquiries on my report were not done by me or given permission to obtain my report. Equifax has refused to remove them. They are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax mortgage services. I did not give these companies permission to run my credit. 

There are a few accounts as well showing on my reports to which I have not received any validation from them or Equifax showing they are true and valid. They are as follows : XXXX XXXX they just tell me that this item belongs to me without any validation to the actual item. 

XXXX XXXX  they just tell me that this item belongs to me without any validation to the actual item as this account was input with my bankruptcy which was XXXX and has since been removed from my report. 

The XXXX XXXX XXXXi they just tell me they have verified that it belongs to me when theres nothing that says otherwise and no proof. 

XXXX XXXX XXXX also tells me that they have verified that the account belongs to me and nothing shows further from the truth except taking the companies word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my payment for XXXX did not go through when it was on XXXX 
I reached out to the company and they said that they saw the payment come out of the bank but it was rejected. They never notified me of this rejection and gave me this late payment. I now can not get a mortgage because of the mark on my credit and this company will not help me with this unfair solution. This had also happened On XX/XX/2019 payment Capital one had assured me that there would be no late payment reported and my account would be reported to all 3 credit bureaus as being current. 

Then On XX/XX/XXXX this same thing happaned just like what had occured in XXXX. 
and now I have a 60 day late payment on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: IN
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've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX  6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) 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 2020-05-17
Company: EQUIFAX, INC.
State: IN
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've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Ernst, Ernst & Artmann, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to explain that this debt is not owed because the manager at the apartment complex this amount is for, reported this debt and lied about the amount when it was paid in full when I moved out of the apartment building, the collection agency has not been cooperating with me and a woman by the name of XXXX XXXX is the one who is in charge of this collection was very spiteful and because I told her I wasnt paying this debt she went and ran a hard inquiry on my credit report, there was no reason for her to run a hard inquiry! Ive tried to get in contact with her and shes not answering, I DONT OWE this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.

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 2021-08-10
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
THE DAY THAT WE WERE CLOSING ON OUR PRIMARY RESIDENCE I NOTICED THAT A {$2500.00} UNAUTHORIZED TRANSACTION OCCURRED FROM OUR SAVINGS ACCOUNT. THE TRANSACTION WAS AT ONLINE AND ORIGINATED FROM AN OUTSIDE AGENCY THAT HAD GAINED MY PERSONAL INFORMATION AND TRANSFERRED {$2500.00} FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT AGENCY IN TEXAS IN THE EARLY HOURS OF THE MORNING THROUGH THE NAVY FEDERAL CREDIT UNION IN XXXX, ALABAMA IN XX/XX/2020. NAVY FEDERAL INVESTIGATED THE INCIDENT AND STATED THAT THEY WOULD CREDIT OUR ACCOUNT BUT THEN THE NEXT BUSINESS DAY OR THAT SAME DAY THEY WOULD XXXX THE AMOUNT OUT AND SAY THAT " YOU MADE YOUR ACCOUNT OVERDRAWN OR IN THE NEGATIVE AND WE HAVE TO MAKE OUR MONEY BACK ''. SO THE MONEY WENT FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT ACCOUNT IN TEXAS AND WE NEVER WERE PAID BACK AND NAVY FEDERAL CREDIT UNION STATED TIME AFTER TIME, THAT THEY HAD TO MAKE " MAKE THEIR MONEY BACK '' XXXX THIS NEEDS TO BE INVESTIGATED AND WE DID FILL OUT A POLICE REPORT BUT NEVER, EVER DID WE GET THE {$2500.00} BACK!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is a collection for {$3700.00} from XXXX XXXX  on my report that I never incurred or signed for, can't imagine what it is. I'm XXXX yrs old and this is very distressing. 

The collection agency is listed as : CAINE & WEINER COMPANY INC an internet search comes up with their site as : https : //www.caine-weiner.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX? XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX 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 2019-02-24
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello! 
My account on the XXXX XXXX was blocked on XX/XX/2019. 
I contacted the support of this company but they did not assist in unlocking the account and stopped responding. Please help me in solving the problem of unlocking my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files.

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX   {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  10 ) 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 2020-02-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My accounts were Levied and I was not given any HELP whatsoever to resolve this, from my Bank, Social Security, IRS, and various other sources I begged for HELP!!! PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Purchase made online with merchant on or about XX/XX/ 2020 in the amount of {$380.00}, this should have been processed as a 6 months interest free option, providing that if I pay this in full within this period, I will not pay interest. This somehow was processed as a regular purchase. In fact, a purchase after the one mentioned above in the amount of {$140.00} was processed on the promotional plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle Pay has blocked account permanently for no justification. They content that I received Zelle transfer of {$150.00} which the same person who sent me the Zelle went round to the bank that the money was drawn from to complain that there has been a fraudulent transaction to me. The person who transferred the Zelle to me is called XXXX XXXX, who is a friend. I contacted him about this situation and he explained to me that the account he used to send me the Zelle from XXXX XXXX  has multiple people on the account. One of them was his Niece. This Niece of his, according to XXXX, reported to XXXX XXXX  that someone has fraudulently transferred {$150.00} from her account to one XXXX XXXX ( XXXX ) through Zelle. XXXX XXXX, without investigating, sent a message to Zelle and XXXX XXXX about this alleged fraudulent transaction activity. After I contacted XXXX about this issue, he called XXXX XXXX  and XXXX recanted the fraud charge and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to XXXX XXXX. As I write this piece, XXXX XXXX has not reactivate my account for not justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EOS 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:
On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Auto loan from td bank was closed since 2012! It is 7 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a consumer with us bancorp and I was trying to activate my VISA debt card  though XXXX XXXX  and what I was hearing from every rep on the phone they are allowed to activate their cards though email and text but as for me I am being treated unfairly how I do my debt card activation and putting a verbal password on my account so no ONE like a fraudster won't access my account though my personal information and getting my statements on my email when I get like my paycheck and what is my breakdown for the mouth but US Bank refuse to send my activation code to activate my VISA card though email refuse me to get my statements and refuse me to put a verbal password on my account for security and refuse me to access my account online on my XXXX XXXX to see what my account number is and I am not happy how us bank treat me as a consumer who does not know what I am doing on my account.

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 2020-09-04
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since the mortgage was transferred to NewRez Mortgage Company,  they have refused to accept our layered insurance policy and have raised our mortgage payments from {$480.00} to {$550.00}. We have called them numerous times to fix this problem and have been assured the issue is addressed, only to find out rates still high and a lender placed flood policy affixed to the loan. We have had numerous escrow analyses done to no avail. This ongoing issue is unacceptable and unethical. To be assured of assistance and then find that our concerns have been dismissed is frustrating and now they are seemingly completely disregarding any attempt to hold themselves accountable and remove the lender placed policy and fix the overcharges to our escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Amsher Collection Services, Inc.
State: AL
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 checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the  secretary of state which shows i have no lien placed against my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have done business with this credit issuer for nearly 7 years. I have always had 100 % on time payments and have paid the balances off, utilized the card multiple times, and paid the balances off again. Synchrony closed one of my accounts last year ( after I had paid it off, used it, and paid it off again and had a XXXX XXXX ), saying  they had checked my credit report recently and considered me to be high-risk. I admittedly had kept high balances, however, again, I pay my cards on time, pay balances off and then utilize my cards to try to build my credit up. I have been paying my cards down and lowering the overall balances on the cards. Today I received notification that Synchrony closed another one of the accounts they service. I have had the card since 2013. Ive used it multiple times and paid it off multiple times, most recently back in XXXX of this year. From reading reviews of Synchrony by other customers, this is a common practice Synchrony engages in - closing accounts of customers that are in good standing and that have been utilized for years due to a perception of the customer being high-risk. I understand financial institutions are afraid customers wont pay their bills, however, I have ALWAYS paid my bills on time and for Synchrony to do this to me not only reflects badly on my credit, but it makes me lose my faith in dealing with financial corporations. I work hard to build my credit and for this company to deal with me in this way is just very disappointing.

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 2020-09-02
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2020 A Force Post Debit Amex Epaynent of {$1100.00} overdrew my XXXX XXXX  checking account by XXXX they refuse to fix i am XXXX yr old with health problems can not get my meds, food, etc dire straights need help asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: DC
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 is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$46000.00}

Company response to consumer: Closed with non-monetary relief