BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: OR
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 is reporting a false credit score. They are reporting my score as XXXX ' even though all accounts listed show as on time and satisfactory. The other two credit agencies are reporting my score as XXXX. Equifax also will not provide me with my free credit report that I am entitled to by law, as I have just been denied a loan based off of the false information that has been published by their company. All attempts to contact via phone have resulted in being on hold for hours on end, being transferred ( even to 3rd parties that are not employees of Equifax who want to sell me their 'protection plans ' ) and eventually being hung up on when I demand to speak to their supervisor for resolution. All attempts to correct the issue on their website : www.equifax.com has resulted in error messages that read " We are unable to process your request ''. All attempts to make contact via email has resulted in either no response or out of office notifications, except for one response who provided me an email that again receives no response. I also received a phone number, but it was not an Equifax phone number, but again, a 3rd party who wanted to sell me their 'protection plan ' again. All I want is Equifax to report a legitimate score with correct information, an EQUIFAX employee in a position to assist to contact me, and the free credit report that I am entitled to by LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.

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 2021-06-25
Company: CITIBANK, N.A.
State: NY
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:
I feel disinvited against by my Exxon Mobil card customer service lied to me they first tell me no credit pull for a increased they never give me one and when I request one its always denied when will be the day they actually reward me they never do Ive had the same limit and shown responsible use and oayment history for them to be doing this to me I cant login online either and they pulled my credit without telling me and denied me again what a horrible experience they dont value my business or anything they are rude to me

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 2020-09-11
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-04
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or around XX/XX/2021 I called SOUTHWEST COLLECTION to discuss my debt and credit reporting. I asked the rep who was in charge of my collection if they would stop reporting negatively to my credit, being that I had set up a payment arrangement with SOUTHWEST COLLECTION, and had already made 2 payments towards that agreed upon arrangement. The rep informed me that he would not remove the collection and that I should pay it in full. I advised him that I did not have the funds to pay in full at the moment. After a bit of back and forth he ultimately refused to remove the negative collection and also threatened to delete my payment arrangement and auto pay and my credit would never be fixed. At the time the next payment should have been deducted from my bank account in XXXX, but the payment was never made. So I assume he made good on his threat and removed my arrangement without my authorization. Now the collection is still on my credit report, and increasing in balance by {$3.00} a month. I feel this companies rep and practices are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Scheer, Green & Burke L.P.A.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX SENT TWO BILLS TO A COLLECTION AGENCY THAT I RIGHTEOUSLY DO NOT OWE. THE DATE OF SERVICES ARE XX/XX/XXXX IN THE AMOUNT OF XXXX AND THE OTHER DATE OF SERVICE IS XX/XX/XXXX IN THE AMOUNT OF XXXX. 
DURING THAT TIME, I HAD TWO INSURANCES THAT SHOULD HAVE BEEN BILLED. I HAD FRONT PATH AS MY PRIMARY AND PARAMOUNT ADVANTAGE THROUGH MEDICAID AS MY SECONDARY. XXXX RADIOLOGICAL ONLY BILLED ONE INSURANCE AT THE TIME AND FAILED TO BILL THE SECONDARY INSURANCE THROUGH MEDICAID. 
NOW THEY HAVE SENT THESE OLD BILLS TO A COLLECTION AGENCY WHICH I SHOULD NOT HAVE TO PAY BECAUSE THEY FAILED TO BILL THE INSURANCE PROPERLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: SUNCOAST CREDIT UNION
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my name and address to open an account at Suncrest Credit Union. They then overdrew the account by {$100.00}. I contacted Suncoast and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named XXXX who is now attempting to collect the false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Their investigation did not fix an error on your report

Complaint:
I am disputing XXXX XXXX  loans on my credit report by XXXX I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I got a call from XXXX  for a unknown transaction. They were able to access my phone and bank records without me giving any information to them. The guy on the phone told me that he will go into my account and fix it bc he said someone was trying to hack my account. I never gave them access. If fact he was the real hacker and when I opened the online banking I saw he had already done 2 big transactions with value XXXX and XXXX, without my consent. 
I called them back to ask what was going on and he said the money will be back on XXXX. The next day I went to the bank and they took my declaration and said the bank will trace your money and bring it back to you. But its been exactly a month and nothing has changed. The bank is declining my claim, saying i was the one that gave them the information, where in fact they already had everything and accessed my online banking without me touching any button. 
My bank account was hacked and the money which is supposed to be safe there is deducted and all they're saying is that this is my fault. I lost all this money. Im begging you to help me get my money back as the bank did nothing to help. We are supposed to be protected by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Navient my student loan server beginning XX/XX/XXXX regarding my student loan debt. I continue to get the same response of high interest and lack of non payment. I informed Navient that I was a public service employee since XXXX and have not received any loan forgiveness or loan reduction. I request loan information from the school and the Department of Education. It does not show how my loans have matriculated to more than XXXX. I believe that Navient formerly Sallie Mae steered me towards multiple forbearances and deferment due to my low income and provided unclear information about how forbearances and deferment would affect your student loan debt over a period of time. They were misleading to incur additional dollars from interests from student loans. I also I indicated I sent in several public service applications and up until last year I was advised to contact the department of Education to again consolidate loans. It is a game of catch up by Navient in advising the borrower to consolidate loans to start the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed 4 charges hit my account that I did not make nor authorized. I immediately called Chime and reported the charges as fraudulent. Chime canceled my card and sent me a new card. However sine the charges where still pending I was told they either would not go through as they were alerting the merchants of the fraudulent charges but if the did ho through since I had contacted the same day the charges were made I would be credited for the fraudulent charges. Well on XX/XX/XXXX I still had not been credited as all 4 charges went through, so I called Chime who told me they now had to file a dispute and it would take up to 10 business days to get my money back. Less than 24h later on Saturday XX/XX/XXXX Chime sent me notification my disputes were denied even though they were aware the card was stolen. I reached out to the merchants directly and they all let me know they would investigate but questioned why they did not get notified by Chime of the fraudulent charges or from XXXX. I explained I filed a dispute and they all confirmed they had not received anything until I reached out. So Chime is allowing employees to decide without doing any due diligence in investigating whether or not you get refunded for unauthorized charges. I have spoken to Chime several times and have got nowhere in getting my money back even though they knew immediately the charges were fraudulent. Honestly I am now questioning if somebody in there dispute dept is involved in the theft, since they refused to investigate and denied my dispute less than 24h later on a Saturday a non-business day. I have had my account with Chime sine XXXX so its not a new account and my whole paycheck gets directly deposited into my Chime account since XXXX. Although the {$75.00} in fraudulent charges may be insignificant to Chime, to me and my family {$75.00} meant I am having to skip eating so my kids can eat because I dont have the money to feed us all so that {$75.00} means a lot to me. I just want what right and thats to have my money returned for the charges I did not make but Chime continues to refuse to help, which seems odd to me based on my dealings with other banks who took fraud charges seriously. I believe their in violation of the Electronic Transactions Act Regulations E and request your assistance in getting my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 has employees or representatives during a 3 month period poor customer service for pandemic relief. The credit bureaus and XXXX XXXX has blocked or locked from disputing errors and insensitivity of pandemic event. I need car and home. My score was around 700 and last week even with excessive emails and vain calls, my score was lowered 300 points of their malice, unfair reporting during global fatalities and pandemic. They are the only transaction on report of any kind. 
They denied for crisis relief assistance when had high score. They refuse to reply to appeal request for over a month. They came back with nonsense to not approve the loan. We have been members for around a decade. They even replied because not offer a counter offer, they I am not approved. They refused allot verbal or simply signed fax, after lockdown to resolve and balance this matter.

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 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting an erroneous late on my credit file. This late is for XX/XX/19. I have never missed a payment with Capital One. I do not recall receiving a call, notice, or letter about this delinquency. I have had an account with Capital One for a really long and have never been late other than this late notation and I'm sure i made this payment on time. I am asking that you remove this erroneous late remark. I truly don't think i was late, this may have been a system issue on the banks end. It is affecting my chances of obtaining financing and need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: DC
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 recently have sent letters over 60 Days ago to this Bureau and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$650.00} 1

5 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2018-10-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was defrauded out of {$2600.00} because I made a decision to complete a purchase as part of a work assignment based on the information that my bank provided to me. Specifically, I made a deposit at my branch and asked how long it would take to for the funds to clear my account so that i would know the funds were good and available for use. I was told 24 to 48 hours, which I have later discovered is not accurate. When the funds became available in my account, I again verified with the bank if the funds were good and they confirmed that they were. I then used those funds to complete my assignment, which was to purchase goods at a store. I would have NEVER completed my assignment and made a purchase had I understood that the funds which were made " available '' in my account were NOT actually cleared.

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 2020-12-05
Company: Experian Information Solutions 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2023-01-14
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.

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 2020-09-11
Company: EQUIFAX, 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation