BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND XXXX AND EQUIFAX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS XXXX THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM XXXX AND EQUIFAX 'S SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX  INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
Before I left out of the country for an extended amount of time I went down to Wells Fargo branch office to discuss my credit card payment while I was gone. I talked to a clerk and explained that I would be out of the country for well over a month. I paid a double payment to insure I would not miss any payments while I was out of the country. The clerk also informed me to download the Wells Fargo online banking app to help keep track of my account. I downloaded the app checked the day before I left and according to Wells Fargo there was " no payment scheduled ''. Upon returning home I had a letter in the mail waiting on me from Wells Fargo entailing how I have missed a payment on my credit card and it was reported on my credit score. I immediately called Wells Fargo to discuss the issue. I was told that a payment was scheduled while I was away and the failure to pay was my fault. I asked why my double payment was n't handled like I was told it should have been. Wells Fargo proceeded to tell me that 's not their policy and they did nothing wrong. After two weeks on several phone calls with numerous supervisors I have been told yes Wells Fargo made an error by the clerk telling me payment was n't due until after my return date. They also informed me that they are not willing to help correct their mistake. I went to the bank informed them of my situation before it was an issue, I also made extra payments trying to prevent this situation. I have been treated no better than a criminal by Wells Fargo and am just looking for a meeting half way. I have paid all late fees and talked to every department trying to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Throughout the WHOLE year of 2021 I have been in contact with Experian to advise them that the bankruptcies reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results.

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 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
IDENTITY THEFT VICTIM. FTC REPORT NUMBER XXXX. Bank of America was told via a phone call on XX/XX/19 i received from their rep XXXX to verify if i had opened 2 online bank accounts. I told them no! I have sent all documents, police reports, demanded over 9 times written, verbal, phone calls from them to CLOSE immediately these fraudulent accounts that were opened with my STOLEN INFORMATION! Not only have they not closed these fraudulent accounts but they are now Charging FEES TO THESE FRAUDULENT ACCOUNTS! I have filed numerous complaints with you the CFPB, federal reserve, FTC, office of the comptroller and still bank of America continues to operate illegally! CLOSE THESE FRAUDULENT ACCOUNTS NOW. All other fraudulent accounts concerning this identity theft have been closed and cleared. Bank of America apparently is the only one who cant seem to follow the law!

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 2018-02-07
Company: BARCLAYS BANK DELAWARE
State: TX
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 use XXXX XXXX XXXX online banking for the ease of : a ) removing the need for paper bills to mailbox & possible identity theft, b ) extensive electronic relationships provide expedient & efficient payment. 

However, some times due to any number of reason outside of my control, the creditor does not receive timely payment. Case in point against Barclay now seeks to charge {$25.00} late payment, but it's not my issue of their communication with XXXX.. 

I refuse to be charged late fees for matters outside of my control and DEMAND it removed from my bill.

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 2022-02-20
Company: EQUIFAX, 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:
Someone has used my SSN to open a Target Store CC in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection agency has filed a collection under my name with the original collections as XXXX XXXX ( an account from XXXX ) for {$460.00} as of XX/XX/XXXX. In XXXX, I filed a police report stating identity theft for this specific account. I filed the claim with the credit bureaus in XXXX. In XXXX, I disputed, the bureaus and police investigated and the collection account was motioned as a FRAUDULENT CHARGE as a product of my identity being stolen. The collection account was removed from my credit report. I have already filed a dispute with the credit bureaus, filed another police report, received the first police report, and filed complaints to the attorney general, FTC, and CFPB for this collection against XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they had issue finding the an account as I suspect and did not resolve any of my concerns.

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 2016-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I signed up for a service that was only available to " Accredited Investors '' per rules of the SEC. This service had an " automatic '' annual renewal and the end of the subscription year. I did not receive any notification prior to the renewal date nor did the company in question seek to verify my status as an " accredited Investor ''. I canceled this subscription after learning of charges being posted to my account. Chase has refused to credit them despite the deceitful and illegal practice of the vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: DE
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:
Sent in a letter to Experian stating their violations and ask for stated accounts to be deleted,

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 2020-01-12
Company: American Credit Acceptance, LLC
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 status incorrect

Complaint:
American Credit Acceptance reported my account to all 3 credit reporting agencies as delinquent pays 30-60 days late when in fact they have been receiving regular Monthly payments! 

Called on XX/XX/2020 spoke with a XXXX and was informed that they reported my account as delinquent because the balance of my loan had reached its maturity date. I never received any information that American Credit Acceptance would ruin my credit rating if my account was not paid in full by the maturity date, especially considering I have been making regular payments. I currently owe a balance of less than {$500.00} It should not be fair for a creditor to be able to report to the 3 credit reporting agencies that an account is " delinquent '' when that creditor is in fact still receiving Monthly payments! Showing an account as delinquent implies that there have been no payments toward the balance at all. 

This issue has caused me to be denied a loan for a mortgage due to the delinquency info being posted to my credit report just as my loan was going to underwriting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the XXXX  that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.

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 2016-02-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX  {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CITIBANK, N.A.
State: NY
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: DISCOVER BANK
State: ME
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up online for a promotion from Discover for a credit card offering a 12 month 0 % balance transfer option. I was approved and proceeded to transfer {$1500.00} from a XXXX XXXX card with a high interest rate. When I received my first bill from Discover, it showed an interest charge for the balance transfer. I contacted Discover, and they are telling me that we replied to a " counter offer '' with different terms. This is incorrect. Everything was approved during the initial application online. Even now, when I do a soft inquiry on their website to see what I may be approved for, the offer is still open to me to submit a balance transfer at 0 % interest for 12 months. Discover has said they will review it, but to allow up to 30 days for a response and in the meantime I should consider transferring the balance to a different company. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
fraudulent accounts 1. XXXX XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX XXXX ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XX/XX/XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
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: Account information incorrect

Complaint:
I have submitted and filed disputes unsuccessfully with XXXX, XXXX, and TransUnion. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.

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 2022-06-16
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: Account information incorrect

Complaint:
I have submitted and filed disputes unsuccessfully with XXXX, Equifax, and XXXX. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!

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 2022-02-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Defrauded by the seller after making an online asset purchase. After making the wire transfer of {$15000.00} via international wire transfer the seller disappeared and ceased communications. I suspect that the seller is living overseas despite leaving XXXX bank accounts and addresses. My bank JPMorgan Chase was not able to flag the transaction to this suspicious party.

Company response to consumer: Closed with explanation