BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EQUIFAX CLAIMS ON HIS PLATFORM TO BE A FAIR CREDIT REPORTING AGENCY FOR CONSUMERS HOWEVER IN DEALING WITH THE AGENCY ON XX/XX/2022 ABOUT A LACK OF UPDATE ABOUT XXXX VEHICLE LOAN I TOOK WITH XXXX XXXX AND PAID IT OFF ON XX/XX/2022 BOTH XXXX XXXX AND EQUIFAX STILL NOT ACCURATELY REPORTING THAT THE ACCOUNT IS PAID OFF AND CLOSE ..EQUIFAX STILL MAINTAINED THAT THE ACCOUNT STILL HAS ABOUT {$1000.00} TO BE PAID EVEN AFTER I SUBMITTED A DISPUTE ( MEANT FOR CONSUMERS TO HAVE A SAY ON THE STATUS OF THEY CREDIT HISTORY ) TO DOCUMENT THAT THE ACCOUNT IS NOT ACCURATELY REPORTED TO- DATE.THE REASON OF MY COMPLAINT AGAINST EQUIFAX IS THAT THEY RENDER THE DISPUTE PROCESS FOR CONSUMERS SO DIFFICULT ( YOU SYSTEM SET UP TO UPLOAD DOCUMENT FOR EVIDENCE NEVER ACCEPT FILE TO BACK UP ONE 'S CLAIM, AND EQUIFAX OPERATE BASED ON CORPORATE ANECDOTE THROUGH THEM NOT ALLOWING CONSUMERS EVIDENCIARY DOCUMENT EVEN THE ONE PROVIDED BY THE COMPANY THE DISPUTE IS AGAINST, AND IN MY CASE THE DISCHARGE LIEN DOCUMENT PROVIDED BY XXXX XXXX AND THE STATEMENT LETTER THAT THE ACCOUNT PROVIDED TO IS PAID IN FULL ) WHILE MAINTAINING THE SIDE OF ARGUMENT FROM CORPORATE AGENCIES .THIS DISPUTE PROCESS WAS NOT DIFFICULT THRU XXXX AND XXXX SO SIMPLE THAT AN OLD PERSON CAN DISPUTE WITH NO ISSUES.HOWEVER EQUIFAX TECHS IS NOT CONSUMER FRIENDLY OR LEAST INEXPENSIVE ( TIME, MONEY, SPEED ) TO CONSUMERS BUT HIGHLY INEXPENSIVE TO CORPORATE ENTITY THUS NOT FAIR IN TREATMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo bank close my account did not want sent money is back to me. wait for 6 months after letter wells fargo bank send in XX/XX/2022 now XX/XX/2022 well fargo bank still hold my money did not want sent to me amount {$2100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: MOHELA
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:
I formally requested for MOHELA/XXXX  # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: MO
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:
A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect

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 2017-08-25
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complaint is against Blackhawk, which runs the reloadit.com site. Blackhawk blocked my access to my " Reloadit Safe, '' which had {$1000.00} in it when they locked me out of it in late 2015. I have contacted Blackhawk through their XXXX number at least 6 different times, and each time they claim I will have my money within 3-5 business days and provide a " case number '' that begins XXXX with 7 digits after. Last 2 I have ( beginning with today 's ) are XXXX and XXXX. 

My account number for the reloadit.com site is same as my email. XXXX I need my {$1000.00} back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX acct XXXX this account was opened in XXXX  but shows up on my credit report as balance updated XX/XX/XXXX XXXX this account should be shown as closed and no late payments should appear in my recent late payment status. because this account still shows late payments and it still hurts my credit now. i believe that the account is closed and no late payments should affect me now. please remove from my credit.

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 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
I applied and received American Express credit card in XX/XX/2022. The promotional offer on card was 0 % interest for 15 months. As soon as I received card, I called customer service and confirmed that I had interest free card for 15 months. The representative confirmed that I did, but when I checked my statements after couple of months, I found out that I was being charged interest rate. I called in XX/XX/XXXX to discuss this matter but I was told that my card offer was declined. Amex never informed me about it by email, paper mail or phone and infact, they continued to assert that my card did not have promotional offer. I filed the official complain and I was asked to wait for 4-6 weeks. I called again in end of XXXX but I was told to wait for couple of days. I called again on XXXX XXXX and I was told to wait for 2 more weeks and the issue is not yet addressed. 

There are three facts of this complain : 1. I was offered a promotional offer of 0 % interest and was confirmed by AMEX on phone.

2. I was told my offer was declined later, but I was not informed about it.

3. Amex continued to charge interest for three months until I found out about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CITIBANK, N.A.
State: OH
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:
On XXXX XXXX 2017 while shopping at Home Depot at XXXX XXXX, Virginia, I was approached by a sales associate at check-out and asked whether I currently held a Home Depot credit card and whether it was more than three months old. I said yes. He then said for {$25.00} off your purchase can upgrade your credit card to more favorable terms. I agreed to the " upgrade ''. I have now learned that the " upgrade '' was nothing more than opening a second Home Depot account. I have since talked to Citibank who assures me there was no difference between the card I had and the one I received as an " upgrade ''. In effect, the Home Depot employee misrepresented the card and engaged in what I consider fraudulent representations to induce consumers into opening a second 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 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/XXXX I applied for 2 credit cards and was approved. The cards were received but the accounts were restricted. Upon contacting CSR, I was advised that my identity needed to be verified at which time I faxed then and uploaded a copy of my PA DL, new DL registration card, and verified new address.
I was then later told that there was a system glitch regarding a promo code and it affected thousands of people. I then inquire with the rep that regardless of the promo code, is the application not based on creditworthiness since my credit was pulled and reviewed, I was met with an agreeing response. Ultimately the accounts were closed and reported to the CBs.
I then called in requested that my application get reconsidered because of the " approved '' application, it was not allowing me to reapply online. The rep I spoke with advised me to wait about 3 weeks to get a decision. Then on or aboutXX/XX/XXXX and was advised that on XX/XX/XXXX, the decision was that I already had an approved account within 6 months -- the very same reason that was used if I were to apply on my own.
This frustrated me and left me discouraged but upon some online research it was mentioned that I should contact the CEO and I did. I emailed him and any other email I could find for some type of reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Commonwealth Financial Systems, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Between XXXX XXXX, XXXX and XXXX XXXX, XXXX a collection agency reported a debt to the credit bureaus. This collection agency Commonwealth Financial Systems is not licensed to collect in the the state of Florida. Also, their licensed in PA has been revoked/voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
I was shocked when I reviewed my credit report and found multiple hard credit inquiries on my report that I did not recognize nor authorized. 

Inquiry : XXXX I never authorized XXXX to pull my credit in the month of XXXX 2017. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of abuse. My only thought is that these are fraudulent inquiries.

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 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect

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 2022-09-02
Company: Experian Information Solutions Inc.
State: OH
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:
I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my XXXX  app, powered by experian, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.

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 2017-09-08
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: Reporting company used your report improperly

Complaint:
On X/X/2017 Equifax disclosed a serious data leak. After using their potential check site, I am one of the  affected customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Transunion. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Transunion, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My Transunion consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship. Transunion is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For years, I have been paying child support on a biweekly basis. NEVER late since it is deducted from my paycheck every 2 weeks. Why is it being reported as being late. I have tried 4 time to report this to EXPERIAN at no avail. Why do they hold consumers down? My scores on the other bureaus are over XXXX. My guess, they work along Mortgage banks to keep scores down, so lenders can increase interest rates on borrowers. XXXX XXXX, will NOT considered the other Credit Bureaus when extending loans. FOLKS, I AM AHEAD OF THE PAYMENTS, CHILD SUPPORT OWNS ME {$520.00} DOLLARS. SEE ATTACHED FILED.

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 2017-09-08
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:
Due to the recent Equifax breach, they failed to adequately secure my social security number driver 's license information, date of birth, address, and all other related information that someone would need to steal my identity. Equifax has breached over 100 million people 's trust due to their lack of care and security concerns. I am now faced with the consequences of their inability to adequately protect the information that they have in their files. At minimum we should be allowed to have our information deleted from the system. I am not going to suffer a potential Financial loss if someone uses my information as it has been confirmed my information was breached by Equifax. I will also suffer a loss due to me having to now pay for my credit reports to be monitored. I can not trust their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my chase app, powered by XXXX, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car and the loan is through Bank of America. I set up my payments to withdraw {$250.00} every 2 weeks until I cancel. I am paying more on my car to pay it down faster. Yesterday I received a call that I am past due on my auto loan, to my surprise I didn't think this was possible. after digging into the issue I see Bank of America cancelled my auto drafts I had set up. I re-set it up so it will be correct, but because of them canceling it they are now saying I am past due. When I set up my auto draft I selected that this would go on till I cancelled it, I never canceled it, BOA did. Now I am getting collections calls. Late fees etc.

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 2017-08-25
Company: Experian Information Solutions Inc.
State: MT
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: Problem getting your free annual credit report

Complaint:
I Called Experian And Asked For My Annual Credit Report Like I Do Every Year And For The First Time Ever They Refused Citing That Because I Moved Recently That They Need To Verify My Change Of Address ( Out Of All The Times I Have Moved This Is The First Time They Are Refusing To Let Me Have My Report Based On Me Moving ) I Tried To Give Them My New Address They Again Refused, Gave Them My Old Address And ALL Info For Verification And They Still Refused Saying That Either Need A " Creditor '' To Verify The New Address ) Or Send A Copy Of My Driver 's Licence And Social Security Card Which I Do Not Feel Comfortable Just Sending Through The Mail To And Risking Identity Theft Just To Prove Who I Am, And Them Asking Me To Risk Identity Theft, That Is Just Wrong.Asking The " Creditors '' Would Be Perfect, Please Call The Hospital Where All Bills Originate From ( XXXX XXXX XXXX XXXX XXXX And Ask For Verification Of My Current Address ( You Could Ask The Collection Agencies Also As I Am Sure They Have My Current Address Also ) And Also My Current Address That I Need Experian To Change It To Is Also The Address You Will Be Answering This Complaint To.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 explanation
Consumer complaint received 2017-08-25
Company: Jim Bottin Enterprises, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX 2017 ABC Financial Services XXXX XXXX XXXX XXXX Arizona XXXX  RE : Cease and Desist from Collections Dear : ABC Financial Services On XXXX XXXX 2017 I was contacted by one of your employees by phone, email and text message from ABC Financial Services regarding account number XXXX. I spoke with an agent by the name of XXXX and I requested that I do not want to be contacted by ABC Financial Services any longer. At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Furthermore I am respectfully requesting that you refrain from contacting me by phone, email and text messages. Please refrain from using such methods as skip tracing, by contacting my relatives and employer. Do not contact met at all!
Your continues calls, emails and text messages and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions Fair Debt Collection Practices Act including sections > 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, emails and text messages and that you update your records immediately. If action is not taken by you to cease and desist as soon as this formal letter is received. Failure to comply with my request will leave me no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collections Practices Act.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation