BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a XXXX XXXX XXXX XXXX  while working for XXXX XXXX. I no longer work for XXXX and would like to cash out this card. The original card is lost. I am being blocked from accessing my funds which I believe are in the amount of {$2600.00}. XXXX 's customer service is awful. There is no direct way to get in touch with a live agent at XXXX. I call up, am asked to provide my social security and birthday but no account is found under that name so the automated system hangs up. My old employer XXXX is unable to update my address/ phone number and correct the information that XXXX has so that my identity can be verified and I can get a new card sent out. Fifth Third is the bank that holds the money and issues these payroll cards. I have called them and they tell me the employer need to resolve it. The employer refuses to contact XXXX to resolve this issue but did let me know that when a card goes unused for over 100 days the funds may be taken by wisely as abandoned. The employer is well aware of the issues XXXX has with customer support. I have made multiple calls to Fifth Third Bank and have not been helped with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DO NOT CONSENT TO AUHTORIZE TO PUT A FRAUD ALERT ON MY CREDIT REPORT PLEASE REMOVE AND BLOCK IT TO MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An American Express Account " XXXX '' in has been wrongfully added to my credit report affecting my XXXX XXXX on both XXXX and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any american express credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Sirs, For several months now I have been doing everything I can to work with Capital One bank N.A to clear up a set of expensive unauthorized fraudulent charges from my bank card I hold with them. The charges ( and a very large attempted charge not shown ) all took place on or around XX/XX/2023. I was alerted by the bank to only ONE charge ( for over {$3700.00} ) at an XXXX XXXX  out of our area which I immediately replied to " NO '' it was not me and they declined that one. However I was not alerted to any of these other charges of a very odd nature and out of our area and I had no chance to prevent those for some reason. When I inspected my account records online right away I saw these other charges ( listed in attached and below ) but my dispute of the charges and the refunds were REVERTED by Capital One and put BACK on my account. They claim somehow I /we benefited from the charges but that is IMPOSSIBLE and did NOT happen!!

I have taken several steps to refute this action by Capital One, including an attorney letter ( attached ) to ask Capital One to HONOR their Fraud Protections as advertised, but they have stopped responding to any correspondence and are very hard to work with. I also opened a police report shortly after these charges happened, and that case remains OPEN and underway, with some evidence having been collected and I know this includes images of the fraudulent transactions being made by some other person. However Capital One has done nothing to get this information from the police and has taken NO action on it when I gave them the Police report case number/info. I am asking for this to be fairly corrected as we did NOT make the charges and can not have benefitted from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : REF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Company response has been non-responsive. Pretending no errors were made and covering up their culpability. Banks must not be allowed to quit all their service obligations and subsequently double-charge annual service fees as their tithing rights over hapless consumers. Banks and lenders must be required to provide accurate monthly statements, reverse obvious errors and dis-allowed from padding loan principal amounts from mysterious fund sources ( not ours ) to game up the daily interest accrual. They absolutely can not be allowed to charge two annual fees the same year. That violates the written loan agreement and appears to be a criminal act.

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 2023-11-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bought a XXXX Visa Pre Paid card a couple months ago at the XXXX XXXX  up XXXX XXXX from me I loaded {$20.00} to {$25.00} up on it as soon as I went to use it I was hit with invalid card information try another payment option or contact the issuer so I figured the card just wasn't activated I went to their website at XXXX and entered my card information where I was met with an error that said it was a system error and to try again later so I called the company and waited on hold for 2 hours just to be told by some lady that my card was locked and they needed a photo copy of my ID, Social Security Number, the pre-paid card that I purchased, and proof of address I think this is a little too much information for a Pre-Paid card company to have so I didn't give it to them Now when I call the number and try to get my balance or anything the operator says " This card is invalid '' or " There is a problem with this card '' I also still can't use the website. After doing some research, I saw that many people have also fallen for this scam and have had the same issues as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-05
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account was not mine, someone must have stolen my mail or my info and activated the card. Because I never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

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 2023-08-17
Company: MOHELA
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting to my credit hurting my score when Im fact they have no right to insert or report to my credit file whatsoever.

XXXX is also reporting to my credit report about account that does not have my signs or contract you furnish on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Sterling Infosystems Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the Report published by Sterling regarding my background screening check, there is information about my name appearing in Criminal Records Database. However, the records are not verified and I am not aware of any criminal proceedings against me in the past and I am not aware of any details of the Cases mentioned. 
i would like to mention that it is not ethical to put up a record in the report without identifying information about the mentioned case and if such published information is accurate. By reporting false information which is mentioned in the public database without verification creates prejudice and can harm my reputation based on the information presented and not a factual representation of the Fact. 

I am not aware of the details of any information provided which is not verified by the competent authority and neither there is a detailed report to show that the information is correct representation as presented in the report. The information provided is hence damaging my reputation and could cause financial damage in long run.

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 2023-10-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Bank refuses to answer the complaint after telling me over the phone that they will.. The last representative not to answer the complaint was XXXX XXXX from Wells Fargo Bank

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 2023-09-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: KY
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2023-11-11
Company: Resurgent Capital Services L.P.
State: FL
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:
I am writing to dispute an account that was opened without my knowledge or consent. The account in question, held by LVNV Funding LLC, was allegedly opened by an ex-girlfriend I dated 10 years ago. I have no affiliation or agreement with LVNV Funding LLC or Prosper Funding, the original creditor. 

This unauthorized account has had severe negative consequences on my creditworthiness, leading to credit denials and difficulties in securing residency. I believe this account 's presence on my credit report violates the Fair Credit Reporting Act ( FCRA ) and its provisions on accuracy and fair reporting. 

I have already contacted LVNV Funding LLC to dispute the account directly and informed them of my status as a victim of identity theft. Despite my repeated efforts to dispute the account, they have continued to report it as valid, disregarding my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi, I called EDFinancial on XX/XX/XXXX to get a loan refund on payments made on XX/XX/XXXX for the amount of {$500.00}. The representative was not able to give any confirmation or date on when I should expect my refund. All I was informed is that they have submitted my request for a refund. The amount has not been accurately reflected on my account. A lot of other people are having the same problem and they recommended me to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
So I applied for a Discover Bank Home Equity loan in XX/XX/2023. I submitted all the documents needed. Then one of the customer service agents called after a couple of days of the application saying everything looks alright except that I had a negative event in my credit report. So one of the loan accounts was 30 days past due in the credit report. It was past due but I did go ahead and make the payment after that but it did not reflect until the next statement in XXXX. But the day of the agent calling me which is XX/XX/XXXX, I did see a notification on my XXXX account saying that the loan account has reported positive activity and the account is current now. So I tried asking him to pull the report again. The agent did but it still did not show the account as updated on their end. I said it was the same day so maybe it might take a bit of time for it to be updated on their end. So I waited until today XX/XX/XXXX, which is almost a month later to reapply again. So I called up the bank to re apply and they went ahead and re applied and pulled the credit report again. But it still says that account is not current. Which makes me think they do not pull current credit report for the credit. They go with the old credit report. This could end up in lot of people with inaccurate credit history being pulled and interest rates based on those. Because of this now I have XXXX credit pulls within last couple of months but an inaccurate credit report on their side and declined loan because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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