BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
I have been trying to pay off my Barclay card. The company hasn't been following my instructions in regards to using the appropriate account for withdraw of payment. Also the company has started become aggressive with trying to increase my monthly minimum payments without proper notice. Now I am showing that I am behind on my payments. Please assist me in trying to get this resolve.

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 2015-04-24
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I applied and was approved for a Chase XXXX  Credit Card on XX/XX/XXXX. There is a award of one Free Night if I meet certain spending requirement. In their terms it said : " Free Night Award After {$15000.00} in Purchases : If you, as the primary cardmember, spend at least {$15000.00} in purchases during an Anniversary Year, you will receive a Free Night Award good for one ( 1 ) night in any available standard room at any XXXX  hotel or resorts designated as Category 1 through 4 under the World of XXXX  program. This Free Night Award may be earned once each Anniversary Year regardless of the amount of purchases in such year. ( Anniversary Year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. ) '' It clearly defined the Anniversary Year. My timeline is : XX/XX/XXXX card opening XX/XX/XXXX first statement XX/XX/XXXX 12 monthly billing cycles after that And my spending is : {$12000.00} until XX/XX/XXXX, {$15000.00} until XX/XX/XXXX, and {$15000.00} until XX/XX/XXXX. 

I've waited a month for the free night award before reaching out to Chase several times. Surprisingly, after thinking it was wrong and promising to investigate, eventually Chase denied their own terms and refused to give me the reward : " Please be assured that your account has been reviewed extensively and still does not qualify for the free night after {$15000.00} in purchases. Spend was not met and therefore the night was not issued ... Whether contacted by phone, in a local branch, email or letter, our decision will remain the same. '' I have actually talked to a few bankers in my local branch, they all supported my claim. But response from Chase seemed prohibiting me from further escalations inside Chase. I am only able to be relying on you to give me the justice. 

Attached are the terms ( it didn't change all the time ), and my bank statements that involves spending. 

Thank you so much and I appreciate your help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Penn Credit Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility 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 2016-03-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent a letter to Experain disputing an inaccurate address information currently being reported on my personal credit report as inaccurate and erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that you received the dispute XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2015-06-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed an item on my Experian credit report, reported by XXXX XXXX which has been sued by NC Attorney General the CFPB, FTC and several States for trying to collect money on loans that consumers did not owe. Even after i supplied Experian with all the supporting documents they refused to delete this item. They sent me a letter stating that they would not investigate this item any more. What else do they need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 

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 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-03-26
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I am charged {$20.00} for every overdraft transaction. The only money that I receive monthly goes directly to this prepaid card its my daughters SSI I dont think its fair that Im being charged more than {$20.00} every month.

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 2020-06-20
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, Equifax, and XXXX   with regards to this account because it had not reported any payment history since XX/XX/XXXX. On XX/XX/XXXXin response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX   and XX/XX/XXXX, even though 120 days has yet to pass from those time periods.
On XX/XX/XXXX, XXXX  was paid {$230.00}, the remaining  balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE REPORTING AGENGIES HAVE MY NAME WRONG AND ADDRESSES THAT DONT BELONG TO ME. THIS NEED TO BE CORRECTED IMMEDIATELY THIS IS A FORMAL COMPLAINT THAT THEY ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. I AM DISTRESSES THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE AND THAT YOU HAVE FAILED TO MAINTAIN REASONABLE PROCEDURES IN YOUR OPERATIONS TO ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORTS YOU PUBLISH. CREDIT REPORTING LAWS ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION. EVERY STEP MUST BE TAKEN TO ASSURE THE INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT.THE FOLLOWING INFORMATION THEREFORE NEEDS TO BE RE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance with Select Portfolio Servicing. During my forbearance I was told that I had to pay {$390.00}. I would like to know where did they come up with {$390.00}? That is about the same I owe for taxes every month. I owe $ XXXX dollars or so in escrow fees. Why do I owe so much for my escrow when {$390.00} went to taxes. This is an offshoot of complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MS
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
Misleading and fraudulent marketing of thresholds to earn a reward. Was supposed to spend a certain amount in one year period following account opening. I spent the required amount however the company changed the timing such that a material amount was left out.

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 2022-03-26
Company: Block, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went to an ATM and withdrew {$400.00} plus the {$5.00} fee for using ATM on XX/XX/22 unfortunately the ATM did not dispense cash..never opened I immediately called the number on the Machine and they told me to contact my bank regarding receiving the funds back, they provided me with a reference # XXXX to help identity the transaction and sent an ATM tech to troubleshoot ATM. I have tried multiple times reaching out to Cash App support asking for Regluation E policy to be enacted yet no response or they reply with someone will get back to you. Its been a week tomorrow where is my money? Here is proof of escalation Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.

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 2016-10-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from 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 2020-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM EXPERIAN, 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 non-monetary relief
Consumer complaint received 2022-03-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open.

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 2022-08-25
Company: WELLS FARGO & COMPANY
State: NY
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 and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account 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.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, WELLS FARGO XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}

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 2016-09-30
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently received a letter from M & T Bank informing me that I was required to contact them and update my information. This letter also stated that if I did not take this action, my accounts could be closed. I contacted M & T and asked why I received this letter and I was informed that it was required by Section 326 of the Patriot Act. I have since made repeated requests to M & T asking for an explanation as to why I received this letter as I am not a new customer, nor have I opened any new accounts. On at least seven occasions M & T has refused to provide me with an explanation or any detailed information as to this requirement. M & T employees have threated to close any and all accounts that I am associated with if I do not comply, but has ignored every question I have asked. I have also repeatedly requested contact information from them so that I may speak to someone to resolve this issue and they have refused to provide me this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Initially I disputed an account, which came back verified, I believe the that the investigation is questionable.

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