BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-25
Company: Experian Information Solutions Inc.
State: TN
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 account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX  Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.

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 2019-02-19
Company: EQUIFAX, INC.
State: NY
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:
Equifax says they refuse to do an investigation into Fraudulent inquiries located on my credit report. 
I wrote Equifax about removing inquiries caused by fraud and they refused to remove the I inquiries. The exact words were " Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' Equifax is reporting fraudulent information and claims they have no responsibility in reporting the truth. So, in other words, they never investigated these inquiries, which is proof they have not done anything. I will use this in my defense when Equifax appears in court to answer the lawsuit I filed against them. 
I demand that you remove these XXXX accounts and inquiries from my report and do a PROPER INVESTIGATION. 
Cc : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX Cc : XXXX XXXX XXXX  XXXX : My Attorney XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX BANK - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: TX
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 reporting act XXXX  account XXXX has violated my right 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 it also says the account is still open which is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PayPal has put my funds on hold again in the amount of {$430.00} and I made a cash advance from my credit card with another bank and I load this money at XXXX and I was told I have to wait 12 hours for the money to be released I would like to close my account and never want to do business with PayPal ever again and I want my XXXX money I need it to pay my bills and PayPal wouldnt released my {$430.00} back into my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been disputing inaccurate information on my credit report for over 1 YEAR and yet to have my report corrected. XXXX XXXX XXXX listed is incorrect. The balance is {$0.00} because it was transferred to U S DEPT OF ED/XXXX which I AM CURRENTLY PAYING EVERY MONTH. Yet it is NOT reported that I am in good standing and PAYING currently. 

AGAIN EXPERIAN CORRECT THIS IMMEDIATELY : XXXX ( XXXX DIFFERENT ACCOUNTS ) NEEDS TO SHOW A {$0.00} BALANCE. THE ONLY ACCOUNT WITH A BALANCE DUE IS U S DEPT OF ED/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 2020-06-18
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Last year we purchased a bike and were sold on getting the store credit card for XXXX XXXX through Comenity Bank. We were sold on the idea of 0 % financing for 12 months, which we naively understood as 0 % financing for 12 months. The idea sounds great in theory, but Comenity Bank will charge you all accrued interest from day 1 if you don't pay every dime back before " the promotional period '' ends. We have used 0 % financing before throughout the years for other purchases and never have we encountered such a predatory term before with any other lender or bank. 

Due to the pandemic, my wife getting diagnosed with XXXX, and the state of the world to be fair, we made a mistake and paid the balance of {$420.00} twelve days after the promotional period ended. The original purchase amount was over {$5000.00} so the interest charged to the account was {$770.00}. I found out about the balance due today, XX/XX/2020. I called and tried to explain, but due to the bank 's predatory terms, none of the representatives could help albeit their best judgement and understanding told them I had a point. One representative told me to appeal the finance charges and two of the representatives provided me some guidance in how to do so. All I got out of the calls I made today were, " the finance charges will stick '' because the " terms are the terms ''. 

After doing some research on social media, I noticed that predatory terms and lack of compassion are the values this company stands for. I know that I am not alone in filing complaints against this bank. They have clearly shown they care about their numbers more than they care about their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several things listed which are NOT mine. TransUnion has my information merged with someone else. This has GOT TO STOP XXXX XXXX XXXX XXXX NOT MINE XXXX XXXX NEVER HAD XXXX NOT MINE XXXX XXXX XXXX ACCOUNTS XXXX, XXXX, XXXX NEVER EVEN BEEN TO THIS HOSPITAL REMOVE

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 2015-05-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Wells Fargo refuses to work with my daughter in any way. They have stated the amount she must pay every month and despite the fact that she does not make enough money to do so, they will not compromise in any way. Their interest rates are absolutely ridiculous also.

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 2020-06-18
Company: Presto Loan Center, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This creditor Presto Title Loans is reporting this as a car loan with repossession. This was a car title Loans and they repossessed the car yet still put this on my credit. They should not have been able to so both and it is not a car loan as they are reporting. I looked into other title loans like XXXX   XXXX and if they keep your car your title loan is cleared why is this company not doing the same and reporting this as a car loan and repossession? They need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.

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 2020-06-18
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 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 the third time trying to remove XXXX XXXX from my credit report. Experian claims it has been removed and it still as of XX/XX/2020 has not been removed. Please refer to prior complaints XXXX and XXXX. How did Experian Verify this information? In both Complaints, I furnished a Settle and release agreement document on XXXX ( XXXX XXXX ) account # XXXX. This document is validation for removal. What is CFPB going to do about this? CFPB was built to protect the Consumer, last I looked that would be me. Experian has yet to do what they claimed to have done in the previous two complaints. XXXX XXXX XXXX   inaccurate is still 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 2016-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, my Name is XXXX and I am a XXXX with the Wells Fargo. I have been contacting many different numbers to resolve my issue but nothing is happening so I would like to resolve it directly with someone that can possibly help me. 

About a week ago my brother came in to Wells Fargo to withdraw money from my business account ( XXXX ) not knowing that the money was taken out of someone else 's account we continued to do business. Yesterday morning ( XX/XX/2016 ) I walked into a bank to withdraw cash again and find out my accounts have all been closed out. Further investigation my accounts have been placed on hold and I am unable to withdraw the cash. I tried to figure out what the problem was and got no answer. About 3 hours later I receive a phone call from the same Wells Fargo location that accidentally made the wrong withdraw from an account and asked me to transfer XXXX to my XXXX business account because they took out XXXX and reimbursed the account that they originally took out from. 
Now putting these XXXX things together I am getting the assumption that Wells Fargo has closed out my account because of a mistake the associate made and not myself.. 
I am unable to pay my associates and as we 'll continue with business since my account and money is on hold until XX/XX/XXXX. 
I always kept my accounts in good standards up until this incident!

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 2019-12-25
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
My American Express Membership Rewards transfer is still temporarily suspended even though I have met all spending requirements on all credit and charge cards, old and new and paid all my balances. I believe that all spending are qualified and there was no return. I called the customer service, but the transfer they helped me with also failed since American Express stated that they are still reviewing my purchases. In their reply to my last complaint I submitted on XX/XX/XXXX, they claimed that my newly approved American Express Everyday Preferred card on XX/XX/XXXX was the cause of the delay of the review process. But I have met all qualifying spending criteria on this card and have paid all due balance without any delay or any return. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my last complaint, but they failed to provide me with such information I requested in their response, which prevented me from helping them with more information. Today is XX/XX/XXXX -- it has been more than two months, but my online transfer page is still empty and calling customer service still does not work. This delay has already seriously affected my travel schedules and have brought so much frustration during this holiday season. I have been a loyal American Express customer. But since their response without helpful information to my complaints, I have switched to use other card providers more than American Express cards during this shopping season, and the miles and points got posted and used without any trouble with those other cards. If this frustration continues, I will reconsider if American Express cards suit my credit card needs in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Credit Bureau Collection Services, Inc.
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 letter stating that I owe CBCS {$580.00} in which I have no knowledge of this debt. An original creditor was listed as XXXX XXXX XXXX XXXX in which I have never done business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is always problematic. There is always an issue with online freezing and unfreezing credit. XXXX   and XXXX are quick and easy. Every time we have tried to freeze the account with equifax there has been an issue and we have to call. Their online freeze has never worked. Today there site is completely unaccessible. We are trying to do an unfreeze. Equifax always gives us problems and treats us like we are subordinates when we call. My wife was in XXXX XXXX last time we tried and they allowed me to upload the power of attorney my wife had left me but told me it would take about a week to 10 days for them to be able to honor it. We weren't able to do the online freeze. They also would not allow me to connect a call with my wife to avoid the high cost of calling from XXXX XXXX. We finally got the freeze by calling after my wife got back from XXXX XXXX, but it was an arduous headache. They told us that my wife 's account had mysteriously been associated with the SSN of a dead person. HOW!?! The other 2 bureaus had the SSN correct. We answered their security questions correctly! We called the social security administration and they told us there was no such issue! Equifax goofed the SSN on their own. TODAY : their site is unavailable and we don't want to have anything to do with them anymore. We are considering freezing with just the other 2 bureaus and leaving equifax open ( IF AND WHEN WE CAN EVER REACH THEM ). We have tried for over an hour now and we get the same attached error. Every other site pulls up instantly. The other two bureaus and every other search we try. We even XXXX  and tried clicking every other equifax link in the search results. I am sure that in response to this complaint Equifax will give you scintillating tales of how they have a fabulous response time and this is strange news to them. Perhaps they will say that it was a XXXX day update. Is this compliance with the 1 hour rule? Is their God-complex what you want your friends and loved ones to be subjected to? What angers me the most is that as consumers, we have absolutely no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
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: Information belongs to someone else

Complaint:
equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.

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