BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX My Bank of America account was compromised.

XX/XX/XXXX I realized my account was compromised. I called Bank of America to advise that a charge had been made on my Business checking account by XXXX on XX/XX/XXXX that I did not authorize.

*XX/XX/XXXX I spoke to XXXX XXXX the first time I called and he told me to go online and print a form called the Unauthorized ACH Corporate Return Form *I filled out the form per his request and faxed it to the following number XXXX * I asked XXXX what would happen if my account goes negative as a result of this money being taken out of my account considering I knew I had other monthy recurring charges I expected to be withdrawn from my account. He said I would have to call back if BOA did indeed charge me fees for insufficient funds. XXXX said to call back on XX/XX/XXXX to find out if the dispute form had been received by BOA. He also said to call XXXX, which I had already done. XXXX switched me around to 3 different departments and the 3rd rep hung up me when I asked to speak to the manager.

*Sure enough I did start receiving multiple fees for insufficient funds and now I can't pay my car note because this was not dealt with timely by BOA *XX/XX/XXXX I called boa and spoke to XXXX XXXX . I called to find out if they had received the Unauthorized ACH form that I sent on XX/XX/XXXX. She put me on hold for a while and then she said " He told me you have the wrong account number on the form ''. So I went an got the form and read the numbers to her. She said " Yes, that's definitely your account number, hold on and let me ask him about this again. '' I hold on. She comes back and says " He said resend the form ''. I told them I couldn't resend the form today because I had a XXXX XXXX so I wouldn't be going to the office on XX/XX/XXXX *XX/XX/XXXX TODAY I went to the nearest Bank of branch to speak with someone but they told me that there was a 40 minute wait and I could come back the next day, which is tomorrow. Meanwhile, my account continues to sent in the negative, and I can't pay my bills from this account because someone stole my money and BOA is not helping 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 monetary relief
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: FL
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: Information is incorrect

Complaint:
Never lived in address XXXX XXXX XXXX in XXXX XXXX CT ID # XXXX and ID # XXXX. 
last four of my social security is not XXXX. 
Never hold a name of 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 2020-02-15
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX had reported the loan as closed and paid in full. Experian had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.

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 2018-05-16
Company: EQUIFAX, INC.
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:
XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the XXXX XXXX XXXX XXXX department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called transunion to see if they was notified and the XXXX XXXX department today to follow up about the letter but they hang up on me when I get to that point. Please step in

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 2022-07-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo had a major service outage in XXXX of XXXX. Since that time, I have been unable to login to Wells Fargo Online. This was an issue for me, because I received statements for my accounts exclusively online. I moved most of my money to another bank in XXXX of XXXX, after Wells Fargo failed to restore access. To this day, I am still unable to access Wells Fargo online. Also to this day, I do not have statements for my checking account for the period of XX/XX/XXXX to XX/XX/XXXX. The account was closed in XX/XX/XXXX. 

Throughout multiple contacts with Wells Fargo, they have failed to even acknowledge that there is an issue.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX. All medical bills are paid through them. But yet I have a collection from XXXX. I didnt give anyone the right to look at my medical records. I would like this removed

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 2022-08-16
Company: EQUIFAX, INC.
State: MD
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 have rights under 15 USC 1681. Equifax is governed by this law ( 15 USC 1681 ) and my rights were violated numerous times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to post this information. They refer me to the courthouse who they are saying verified and provided the info. I personally went to the courthouse with Equifax 's response to see what was going on and the clerk stated " Equifax is lying to me, their dept does not provide or verify any information to the any bureau or third-party reporting agency ''. They have this problem with Equifax all the time saying the same thing to various people and it is not true. She also told me they had a lawsuit against them for this very thing to XXXX it. I decided to look up lawsuits against Equifax after leaving and they did have a class action civil lawsuit, XXXX XXXX et al, for not properly providing the source of their info on public records and stated it was a violation of FCRA. Then I researched FRCA and found that according to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse did n't provide this info to Equifax to report in the first place nor verify what they are reporting is correct or valid how is this even on my credit report to start with? I want it removed immediately. They are the only one reporting this inaccurate, detrimental information to my credit report and it 's affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXX. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please see complaint ID XXXX. This is not resolved as the company didn't do anything outside of one phone call with a false promise to help and then they closed the concern and gave a baseless reply. I am still waiting on a refund from a merchant who did not send me my products. I can not submit another dispute because the window is closed. I need help because PNC is not treating their customers correctly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Capital One bank is taking me to court over {$2000.00}. We missed a month and they said we had to pay {$300.00} and would n't work with us. We did n't have that money. So we could n't pay. Now I 've received a summons to court over {$2000.00}. We do n't have that kind of money. We are barley getting by. My daughter has a XXXX on her XXXX, my father in law is XXXX of XXXX, and I just recently had XXXX XXXX XXXX. I feel like my rights are being violated when it comes to the fair debt collection act for using abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
With both XXXX  and Equifax, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX  or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

Equifax is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

XXXX  is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be XXXX XXXX. So, this account is now closed. 
I have attached an updated ledger from the Washington State Department of XXXX XXXX to support my position. On page one of the report, it shows a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt on my XXXX XXXX the original creditor is XXXX XXXX XXXX Now its Oac from XX/XX/2017 the amount is {$280.00} its 2 years and 4 months old

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi I applied for a credit card with XXXX XXXX XXXX and unfortunately I was denied due to tons of inquiries and tons of new accounts I didnt apply for and I told the supervisor that I didnt apply for those account and the inquiries and they would be removed by American Express and they wouldnt accept any letters or removing it off my file ... and I contacted America express about the inquires and they stated that they will be remove off my credit file after 90 days and but they all still there and I didnt apply for any American Express card and they are not removing them and told me they will be suppressed which is false and this is my 6th complaint Im filing with American Express I dont want there cards Im not interested and I have at least 7 inquiries with American Express on XXXX XXXX XX/XX/XXXX both of them and one inquiry on XX/XX/XXXX and one on XX/XX/XXXX that Im asking to be removed and so far American Express didnt remove these fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Getting ready to upload 4 page cover letter providing detail of transaction where merchandise was never delivered/installed and communication with XXXX aka Elan was ignored. Elan Dispute personnel claim " XXXX XXXX '' denied dispute iao {$1900.00} for purchase of gazebo XXXXXXXX XXXX  XXXX which was never delivered/provided to cardholder. Also submitting 8 pages of documents further evidencing failed transaction. Dispute process at Elan does not adequately investigate dispute and fails to protect cardholder rights!

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 2017-08-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is with Wells Fargo. They are refusing to consider any options to allow me to get back on track with my mortgage payments. I fell behind after over 10 years of on time payments due to major health issues that my wife has experienced the last few years. She was diagnosed with XXXX and then had XXXX XXXX issues which affected her XXXX and XXXX. This was exacerbated by issues from XXXX XXXX and blocked XXXX going to her XXXX. She was no longer able to work and the medical treatments were very expensive. I struggled for a long time but eventually became delinquent on my loan. I am on fixed income and could not take all of these unexpected expenses at once. I am XXXX military and on fixed income receiving SSI, military benefits and also a pension. Once I was able to get more stable on our expenses I reached out to Wells Fargo to see what could be done to resolve the missed payments. They first time I contacted them their agents stated that they would not negotiate with us, they would not consider any options, and that we had to wait two years in order to be considered for any assistance. They said the only way to fix this was to reinstate the loan XXXX about 4 months delinquent at that timesomething I could not do ). This was very frustratingWells Fargo received over {$30.00} XXXX in taxpayer bailout funds and they are required and obligated to conduct a review of our financial information to determine our eligibility for government, internal or GSE programs. Their stark refusal to even open a review is not only unethical and immoral but wrong. We are not asking for a handout, we just need a helping hand to get through this crisis. 

My most recent conversation with their agents was even more alarmingthey told me that since my loan was close to maturity that they could not negotiate or consider any type of workout option. Once again, this is not only unethical and immoral but it is wrong. My loan is amortized over 15 years and that makes my payment much higher. If Wells Fargo would change the amortization and increase the term this could be resolved. They could also recapitalize the late payments back into the balance. Or they could lower the current interest rate through modification. There are several options that Wells Fargo could consider and it is despicable that they turn their back on my family in our time of need. We paid as agreed on our first and second mortgage for well over 10 years, yet when we run into major health issues they turn their back and look to foreclose on us.

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 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from XXXX XXXX, a XXXX XXXX at XXXX Ext XXXX. She stated she was a debt collector on behalf of Capital One ( XXXX  ). She then explained I had an outstanding balance of over {$1000.00} from a credit card opened back in XXXX and payments had stopped in XXXX. XXXX XXXX further stated several attempts were made to collect and a charge off amount of {$800.00} was made through the bank. I am XXXX XXXX XXXX and afraid of scams. I requested proof of this debit and all she said was the card ended in XXXX, she gave me the last 4 of my social security number followed by an incorrect birthdate. I explained the birthdate was not correct and quite frankly do not recall a XXXX  from XXXX  years ago. I contacted Capital One who stated they do not have me in their system ever having a credit card through their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: CO
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:
I set up a consumer account at https : //my.equifax.com/membercenter/ # /login, then logged in. It worked fine for a few minutes, then balked, saying I must log in again. Trying to log in again, the website would not accept my credentials that I had recorded in a text document to make sure I knew exactly what they were. 

So, I went through the password reset procedure, which let me set a new password. Again, the website would not let me log in, saying the password was incorrect ( I'm copy-pasting it to make sure it's exactly correct, and testing the paste buffer in a text file to make sure ). 

I called Equifax 's customer service, whet through the many questions used to authenticate the caller, then described the situation to an agent ( " XXXX '' ). She manually triggered a password reset, which had the Equifax system sent me email with a link to set a new password. I followed that link and set a new password, which was then rejected by the website when I tried to log in with it. 

This process went on multiple times, until later in the day an Equifax customer service agent told me I must fax or mail in documents to prove my address ( driver 's license ) and Social Security number. How that would make a difference, I can't imagine -- such copies are easily faked via XXXX or other software. In any case, Equifax 's website software is severely flawed in this regard, their technical password reset solution doesn't work, and their customer service can't help. 

My main goal here is to control the account such that a criminal can't create or access the account masquerading as me. All I want is access to the account that I set up and logged into this morning. Equifax makes it extremely difficult and time-consuming to attempt to resolve the access issue, and provides no indication that they are capable of resolving it.

Company response to consumer: Closed with explanation