BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-09
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent a letter to Lexis Nexis requesting information on their process of sharing data when a consumer has a security in place and has opted out of all of its data sharing services. I requested that Lexis Nexis response via XXXX mail delivery within 14 business days. As of XX/XX/XXXX Lexis Nexis has yet to respond to my request. I am in the dispute process with XXXX XXXX, and XXXX  about an inaccuracy on my consumer credit report that continues to be validated by Lexis Nexis. This is concerning to me because as stated previously, I have opted out of all data sharing with Lexis Nexis and I have had a security freeze in place since XX/XX/XXXX. It is imperative that Lexis Nexis explain their process of sharing information on a consumer that has opted out of data sharing and has a freeze in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: M&T BANK CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2020-11-27
Company: Franklin Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Franklin Collection Service is trying to collect on a debt that I had from XXXX in the amount of {$450.00} that was settled and paid through another collection agency, XXXX XXXX XXXX for 50 % of the balance in the amount of {$220.00} on XX/XX/2020, and is refusing to review and remove this debt from my credit report. I have sent XXXX, XXXX, and Franklin Collection Services all of the settlement and resolution documents through multiple disputes with all three agencies for the past three months that prove I have resolved and paid the creditor XXXX debt, and all three are refusing to remove this item from my credit report. Originally, this debt was being collected upon by two separate collection agencies, XXXX XXXX XXXX and Franklin Collection Services, and XXXX XXXX XXXX was the agency that I chose to work with to clear this debt. Ironically, XXXX  and XXXX  both accepted the resolution documents to clear the XXXX XXXX collection account and remove it from my report, but are failing to see that this is a duplicate collection account on the same debt from the same utility company even after I have explained it clearly. I provided the contact information of the representative " XXXX XXXX '' of XXXX XXXX XXXX, the confirmation number of my transaction and the account summary that names the creditor, myself, and the request to all credit reporting agencies regarding this account be deleted or removed from their records. I feel that Franklin Collection Services are continuing their actions due to I chose to work with XXXX XXXX XXXX and not them and are illegally trying to force me to pay this debt twice through strong arm tactics with my credit report through XXXX  and XXXX  that I have no control over which both XXXX and XXXX  are assisting Franklin Collection Service in doing so. Even after all of my attempts to follow all of the proper disputing steps of each agency to do my part in resolving my debt, Franklin Collection Service, XXXX, and XXXX  have ignored the facts that I have provided before them and are continuing to work together to continue to collaboratively inflict negative credit damage to a consumer that has been following their posted credit repair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I sent the amount of {$150.00} via cash app to a relative for re-union dues. The number it was sent to is her phone number. Her name is XXXX XXXX. This is how she is listed by name on cash app. I have her in my phone with the same number tied to the account a XXXX XXXX, which is the family name. Although this name is ties to her phone number she never received the money and cash app claims they don't know where it is. They asked that I send a request for refund but the request was declined and I am told there is nothing they can do about it. Note that this same account with the same name spelling has been used in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: MA
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 fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX Collection date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have for 6 months now argued with this company over a debt collection of {$410.00}. I was told it was a medical bill but I have had insurance for 15 years now. When I contacted my insurance they told me none of this was ever reported to them. I called this company and they continued to harrase me with phone calls and interest. I finally spoke to a lawyer and they told me to ask for the bill within 30 days, which they then sent me a email from XXXX XXXX at Sequoia Financial Services. Stating the debt owed and my medical records! This is a huge violation of My HIPPA rights! I did not authorize this creditor to access any blood work or medical history of mine! I have copy of this email and my private records obtained from a hospital that they sent me today. I ask you make this company take this private information down and completely remove this collection off my record. As my medical insurance has no record of it in 15 years and they Illegally obtained it without a signature from me or any proof of consent. The creditors name and address is - SEQUOIA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to purchase a dog through a website at XXXX and it was fraud. When communicating with the guy who was selling the dog he told me the dog was XXXX. He told me to purchase the dog I need to make a payment through XXXX. After I made the payment he told me the dog will be delivered the next day. The next day I received an email saying he needs more money for a " special '' crate otherwise I cant get the dog. He told me the special crate ranges from XXXX - XXXX. I told him he's lying and that this is fraud. When I called chase on XX/XX/2021 explained to them that the purchase for XXXX was fraud chase said theres nothing they can do. I called my local police department regarding this and they told me to contact my bank to let them know this was fraud. I have also reported this incident to the Federal Trade Commissions. Not to mention the website is gone and the guy I was dealing with is no longer responding to me. Additionally, I have called XXXX to let them know that the XXXX transaction was FRAUD, XXXX told me to contact my bank to dispute the transaction. I called Chase again on XX/XX/2021 explaining the situation AGAIN and that XXXX told me to contact them about this. Chase response was " There's nothing we can do, you authorized the transaction ''. Here I am being honest telling Chase this is fraud and they keep telling me " theres nothing they can do ''. Nice company!!! I asked Chase why didnt they contact me knowing that an XXXX dollar charge in my checking account went through which chase approved. Chase 's response was " We are not going to verify every transaction on your account ''. Ok but if a tranasaction for over XXXX that was done through XXXX taken out of my checking account shouldnt Chase question it???? I was involved in Fraud and all Chase is saying is THERES NOTHING THEY CAN DO. This was fraud!!! I am asking for Chase to put the XXXX back into my account considering this was FRAUD. 
I have the emails, a phone number, and text messages that were between me and the guy that was selling the dog.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Aqua Finance, 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: Account information incorrect

Complaint:
I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: TN
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:
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to equifax, XXXX, XXXX and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I worked with a debt collection company and paid off the balance owed to the company, but they are still emailing me for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXXXXXX Balance : {$930.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a previous complaint about Equifax reporting fraud accounts in case XXXX. After receiving the police report along with an identity theft report they are still reporting US DEPT. OF EDUCATION {$1000.00} & XXXX XXXX {$13000.00}. I have explained time and time again these are not my accounts please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I got a new Credit Card with Wells Fargo with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from XXXX  with 100 % inaccurate information : Alert 1 - That Wells Fargo reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That Wells Fargo reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3- That Wells Fargo reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from Wells Fargo have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.

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 2017-09-22
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of the Equifax hack. After learning of my exposure I tried to have my credit frozen with all three credit services. 

Equifax would only help if I signed a document relieving them of any legal suit. 

XXXX 's website crashed while processing twice and told me to call a number where the representative XXXX told me she could n't do anything and then transferred me to her sibervidot which was an inactive number/ hung up on me. 

XXXX 's website recommends buying their protection plan - just a way to profit more than the {$10.00} they charge to freeze my own information. 

So in the end my wife and my information is released and I have no way of protecting it through legal means other than paying these same companies even more money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express advertised a welcome bonus online, the reward was in the form of points. 

I met the qualifications of the welcome bonus, however, was not awarded the points. 

I filed a claim with AMEX, and they did not give me the points. 

I filed a claim with CFPB, see attached response letter from American Express. 

AMEX admitted in the attached written response, that over the phone, their employee, a representative of their company, that I would receive my points. 

" Regrettably, we found an instance where we told you that youd receive the bonus MR points in four to six weeks without confirming that there was no welcome offer on your account. '' They are not standing behind what they advertised online and they are also not standing behind what they admitted their employee promised me.

I want AMEX to make things right, and give me what was advertised on their website, and what their customer service rep promised me over the phone, which they admitted to, in writing, on the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: WELLS FARGO & COMPANY
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:
I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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