BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent Equifax two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Equifax Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( Equifax ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that Equifax provide this information or DELETE the inaccurate accounts from my file. Equifax has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( Equifax ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: JPMORGAN CHASE & CO.
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:
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 2022-02-21
Company: EQUIFAX, INC.
State: CA
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 a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
Hi there, I have spent about five hours trying to resolve an issue that was Amex 's error, and I hope someone can help. I was trying to pick a hotel for my upcoming trip to XXXX the other night. I browsed a number of different hotels via Amex 's travel portal, and eventually decided on one. I filled out the purchase information, and had my boyfriend review the reservation with me. We then placed the order, and on the confirmation page, Amex reported that it had just booked us a reservation at a different hotel than the one we had selected -- one that we had looked at in our search, but decided not to use. This reservation was also marked as non-refundable. We called Amex immediately to correct this mistake on Amex 's part, and were on the phone with them for over 45 minutes. They eventually informed us that it was up to the hotel as to whether or not we could cancel our reservation, and furthermore, that the hotel was currently closed -- we should call back in 2 hours. Since it was nearly XXXX XXXX at this point, I decided to call back the next morning. I did so, and after a long call with Amex, they attempted to call the hotel 's reservation desk and cancel again. This was unsuccessful, and Amex recommended that I call back again at midnight in my local time. I did this, making this the third call to Amex to resolve this particular issue. After another 45-minute call, I was informed that the hotel 's reservation desk was closed again, and was advised to call Amex back at XXXX XXXX in my local time again. This began to become frustrating. I ca n't keep calling Amex to ask them to ask the hotel to cancel a reservation that I never asked for in the first place. I would like Amex to deal with this, cancel the reservation that I never requested, and refund the charge to my account. I understand that the hotel has a no-refund policy, which we noted when we chose *not* to select this hotel in the first place. Since Amex 's website was in error, we would appreciate not being charged for this mistake. Thank you, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] XXXX - XXXX On, or about XX/XX/XXXX, XXXX was ACTIVELY advertising, as usual, their so-called " XXXX Credit Card " with a {$150.00} incentive. At that moment, I chose to go to the APPLICATION page. After examining the page, I did fill in my name, and address fields, but, in second thought, I reneged, that is, I decided NOT to continue to fill in the questionaire, and I simply left the page, and, continued to search for an item for which I was seeking. I have been an active XXXX  REGISTERED SELLER, Since XXXX. As such, XXXX has my BIRTH NAME, ADDRESS, CITY, STATE, and postal Zip Code, and e-Mail address. 

A few days later, I received an ALERT from my Bank 's unit, XXXX XXXX, informing me that my CREDIT SCORE, had been DAMAGED, from an ILLEGAL HARD PULL, by an organization, known as, XXXX XXXX, in XXXX, CONNECTICUT. I have searched for as address on this perpetrator,, but, in spite iof the fact that they a have a downloadable, 40 + page Public Relations gimmick, they have apparently gone to extraordinary lengths to hide their physical address from consumers. 

THEIR HARD PULL, on my Credit Bureau, had damaged my CREDIT, by lowering my score, two points. I am working very hard, to repair my Credit Score, as I had serious health issues, in XXXX, and those debt, left me bereft of a good credit score. 
I DID NOT APPLY, for a ANY LINE OF CREDIT As such, I wish to politely request a FULL AND COMPLETE INESTIGATION, and a DEMAND FOR REPAIR, and a FORMAL LETTER OF APOLOGY FROM XXXX XXXX. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, OK 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on trans union XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on XXXX. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as trans union XXXX XXXX then on trans union it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on XXXX? Then it says date last active XX/XX/XXXX on trans union? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please

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 2021-01-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I opened a new checking account with Huntington Bank online. I was prompted with " how would you like to fund this account? '' and chose to transfer money from another savings account I hold at XXXX XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX  account, but the money never arrived to the Huntington Bank account. I have spent the past two weeks trying to get an update/resolution from Huntington as they are holding the money in limbo due to an error/glitch on their end and I need this significant amount of money back. I have spent hours and hours on the phone and the service rep acknowledged they were having issues with transfer " at the end of 2020 '' but I still have not received a resolution/update on when I can expect my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently lost my Discover Credit Card and informed the company about it through the mobile app. They included a notification before deactivaing my account that my online transactions and in store purchases on old account will be deactivated and they will send a new card the next day. On XX/XX/XXXX, after I received the new card, I could still use my old card to make a purchase on XXXX, I reached out the company about stopping all kinds of transactions on my old account including recurring charges ; they assured me that they have rechecked it and will stop all the transactions immediately. On XX/XX/XXXX, I could still make purchases on XXXX 's. Also, my recurring charge of XXXX monthly payment went through on XX/XX/XXXX. ( which btw is NOT marked recurring on Credit Card statement ). 
I called Discover to see what went wrong and why haven't they still not closed my account completely. The agent goes on saying that they can not do that, the agent on XX/XX/XXXX misinformed me about the policy. And recommended that I contact each and every merchant to update my billing information. I have thousands of merchants that I used over last 3 years with discover card, now they want me to reach out to each of them seperately to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Checkr, Inc
State: NJ
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:
The background company Checkr is not pulling in the correct information from the NJ Motor Vehicle Commission. I applied for a driving position with XXXX. XXXX used Checkr as the background verification company. The company sent an adverse action stating the main reason were two items listed on the report as operating during a suspension period on XX/XX/2017 and XX/XX/2017. I contacted MVC and confirmed that the XXXX item is a notice of scheduled suspension and the XXXX item is the actual suspension. I contacted the background company and explained this to them. They required me to obtain this detail from MVC and send it to them. This cost me {$15.00} to obtain an abstract and send it in. My position is that if the company is hired to provide accurate information, they should work with the agencies to understand what all of the codes and events are and report them accurately. Checkr has not done this. I am requesting assistance from the CFPB to enforce this so that not only this company is held to the standards setup to protect consumers, but other companies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Credit Plus Inc
State: FL
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:
Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are a senior citizen married couple. We applied for a mortgage modification through our servicer Wells Fargo. We were approved for a Trial Period Plan starting in XXXX XXXX. When we were approved, we were current on our mortgage. We made our TPP payments in XXXX, XXXX, and XXXX, and got a permanent modification in XXXX. We had made an extra regular mortgage payment in XXXX, and Wells Fargo agreed to apply that extra payment as the XXXX TPP payment and part of the XXXX TPP payment. 

We never missed a payment on our mortgage -- we made our normal payment on time each month until the TPP, and made each TPP payment on time including XXXX XXXX and XXXX XXXX. However, Wells Fargo reported to the credit reporting bureaus that we were behind on payments in XXXX and XXXX XXXX. This negative reporting caused problems for us when we tried to qualify for a reverse mortgage. 

Our attorney notified Wells Fargo of the problem, but Wells Fargo claims that they report borrowers as late during TPPs even if the borrowers have made all of their payments on time. This seems wrong. They should report that we are making our payments on time and not make it look like we are missing payments when we are not. 

We have attached some documents from Wells Fargo showing that we made our payments on time.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-01-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I had called Citi credit card to enable the 5 % cash back they confirmed they enabled it how ever when the time came to give me the % 5 cashback they did not give me the same so i called them and asked for it they said my 5 % was not enabled it was probably enabled on my husbands card to which i am added account holder.After a lot of argument they gave me XXXX $ in cash back however i deserve XXXX $ more of cashback. 
the ignorance on enabling the cashback was on the account of CITI customer service rep i should not be penalized for the same. I demand XXXX $ more in cashback. 

thanks 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 2016-05-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was working with a mortgage lender to apply for a home loan. When my credit was pulled it showed another social security number that does not belong to me. I have asked the credit bureaus to remove the SSN from my credit report but they keep asking for the same documentation. I am unable to provide a social security number I have provided them my Individual Taxpayer Identification Number along with my tax returns, utility bills and my translated birth certificate. I would greatly appreciate your assistance to help me resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
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:
These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting 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