BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with Transunion, XXXX, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.

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 2017-05-29
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear CFPB.   on Saturday    XXXX   XXXX   2017 I  did purchase from macy 's with my macy 's  American express  credit card the cashier told me that I will receive another 20 % with this form which let me sign it and she put the purchase on the new card not on the macy 's card which I swipe it in front of her, when returned home I was checking it I found that she let me sign for opening another macy 's credit card then I called macy 's credit card number they told me to call Monday, when I called today Monda y  X/XX/2017  the cu stomer service told me that she will cancel the new credit card and send me statement of the purchase on the cancel card and she told me I will send you email with this which is as below ; My Question is closing the new macy 's credit card which is open without my permission will affect on m y Credit Score.?    Thank you Sincerely,  XXXX   XXXX  " Dear  XXXX    XXXX    XXXX , Thank you for your recent inquiry regarding your account.   It 's been a pleasure to have you as a customer. As you requested, we closed your account and will report it as closed at your request to the consumer reporting agencies.   Please allow at least 30 days for the consumer reporting agencies to update their files.   Sincerely,  Macy 's Credit C ustomer  Service Card  Member :  XXXX   XXXX   XXXX   XXXX   XXXX  Account ending in :  XXXX  Member since :    2017  The purpose of this Security Zone is to help you verify that the e-mail was indeed sent by  Department Stores National Bank. I f you have questions, please call  XXXX  or the customer service number on the back of your card.   Macy 's Credit Card  XXXX .  XXXX   XXXX   XXXX , OH  XXXX    X/XX/2017 /ACCOUNT_CLOSURE_BALANCE_PL "

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 2022-03-16
Company: AES/PHEAA
State: CO
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:
Fedloan is not reporting student loan balances in 30 or 45 days time to Credit reporting agencies. I have been waiting since XX/XX/XXXX for them to report a {$25000.00} payment on my student loans. Showing a new balance of {$28000.00} and not a balance of {$39000.00} on my credit reports as of today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When handling checking and savings accounts Chase bank treats United States lawful permanent resents as foreigners and forces them to sign XXXX form. 

I am lawful permanent resident of the US and in XX/XX/2019 I had opened a checking and savings accounts with Chase. At the time of account opening I presented to Chase my passport withe XXXX stamp as a proof of my permanent resident status. 

Since the opening of my accounts I experienced difficulties with Chase as the bank required me to fill and submit to them XXXX form instead of the XXXX form. 

Chase rejected my multiple attempts to submit a properly filled XXXX from to them. First they rejected my XXXX form that I mailed to them early in XX/XX/2019. Then they have not processed my XXXX form filled by Chase 's branch associate and signed by my during my visit to Chase 's local branch in XXXX, MA. 

I accuse Chase of unfairly discriminating against newly arrived immigrants to the United States since Chase treats them as non-immigrant aliens and refuses to correct the clerical errors that cause incorrect classifications of permanent residents accounts as foreign accounts after multiple contacts by the customers informing Chase about the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2019 my vehicle was totaled out and the account was closed and the car was basically paid off but it's on my credit as a closed 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 2015-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have ask for investigation from the credit reporting agency because accounts that are being reported for XXXX XXXX XXXX also known as XXXX XXXX XXXX has never been validated with me. I have no knowledge of these companies and have never made any type of contractual agreement to pay these companies. The credit bureau is claiming they are investigating the dispute but I have been unable to contact the company. My certified letters have always been returned. No phone number to contact company. So how is the credit bureau able to verify information when I am not able. In addition to their bogus investigation process, these accounts are in violation of HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX, XXXX I received an alert from my credit monitoring company that XXXX credit services did a hard inquiry on me without authorization. I 've had an inactive account with them since XX/XX/XXXX and have never authorized any credit under my name from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted Equifax in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. Equifax must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I rented a musical instrument for my sons school. I gave my credit card information and drivers license. the merchant then asked for my ss number. at this time I asked clearly whether she was going to generate an inquiry on my credit report. she sad no. I told her I did not want that and asked again at least XXXX more times. each time the merchant replied no. she said it was for identification purposes and assured me it was not like applying for credit. the next day I checked my credit and I saw the inquiry. I immediately called the merchant and she apologized and told me she was not aware that was going to happen. she remembered that I had asked several times and told me she did not agree with what happened. she gave me a main number to call. I then called the main number and asked to speak with a credit supervisor. I explained to her my situation. she called the merchant and only asked whether I signed any documentation to which the merchant replied yes. I told her that none of the documents contained my ss number because I was concerned about this. she refused to remove the inquiry. I then called Equifax. I spoke with XXXX # XXXX. he incorrectly told me that only the creditor can remove the inquiry even if it was placed incorrectly. I would not have an issue with the inquiry on my credit report if I was informed correctly what was going to happen. I was misinformed and I clearly asked the merchant and depended on the information that they gave me. I was given INCORRECT information and they should take responsibility for this and have this inquiry removed. as I mentioned because i was concerned, I did NOT place my ss number on ANY FORM. please respond as to what the next step will be. thank you. 
the date of the transaction was XXXX/XXXX/15. the merchant was XXXX at XXXX XXXX XXXX. this was done through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: MD
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 tried Everything! 

I contacted Equifax directly via mail, via phone for the last ( 4 ) months. 

I was faced with a level of frustration, as there were language barriers ( calls being routed out of the US ), also Equifax put an investigation on Accounts, ( taking down my score ) and when I called the Rep did not understand. I tried writing both XXXX  and Equifax. to be clear, I simply requested removal of these per my circumstances outlined here in this complaint. 
I have ( 2 ) negative accounts showing open, ( XXXX  is the name of the ( 2 ) accounts showing collection status in my credit report. I have tirelessly written letters to the company and to Equifax to get these negative remarks removed. 

I was informed by Law Enforcement, that a Former Property Manager, where I lived, was XXXX XXXX XXXX XXXX that involved utilizing my social security number and personal information. Also my information may have been sold in the black market, I had to contact XXXX, and XXXX about fraudulent purchases. 

I have tried everything! 

The Accounts are : XXXX  {$1000.00} and XXXX  {$1300.00} These collections are showing a high impact on my credit score and credit report preventing me from moving forward with Employment and Education.

Please Help. Thank you for your services and expertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a  XXXX  credit card through   XXXX   XXXX  . I was behind on payments and they sent it to  Central Credit Services LLC for  collection. I called them on  XXXX   XXXX    XXXX   and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called central credit back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  XXXX  is calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by Central Credit and  XXXX  I have other  XXXX  accounts and none of them have done this or offered to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, multiple withdrawals were made from my checking account XXXX for a total of {$3500.00} without me being aware and I did not make those withdrawals. Again on XX/XX/2022, another unauthorized withdrawal was made for {$500.00} without me being aware and I did not make this withdrawal, On XX/XX/2022, a counterfeit check was made to " XXXX XXXX XXXX '' for {$2000.00}. I did not know who " XXXX XXXX XXXX '' is and it was not my signature on the check. There was another unauthorized withdrawal on XX/XX/2022 for {$500.00} that was not done by me. Returned check # XXXX and # XXXX were also not written by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 - {$2500.00} XXXX {$1800.00} Those funds fully posted on my account those days and now my account is locked and Citibank says they can't give me my money because my number is registered. That doesn't make sense. My phone is in my name. They also said it has to be a number on my public records. This is absurd. I want my money and the account closed

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 2020-11-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMENITY BANK XXXX XXXX XXXX  is in violation of 15 USC 1692 my federally protected consumer rights. I never received notice that I could dispute a debt. Several statements and phone calls using profane and obscene language. See documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XXXX/XXXX/XXXX, someone has been trying to apply for credit cards in my name. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX assures me that they have sent 2 letters to Equifax to remove these fraudulent inquiries. XXXX has sent XXXX letter. XXXX is in the process of sending a letter. 
I have spoken to Equifax on several occasions requesting they remove these fraudulent inquiries from my report. I have filed a police report on the XXXX XXXX and XXXX inquiries. Equifax claims they have not received any letters from the credit card companies. They also claim they can not request copies of the police report. I put a 90 day hold on my account with Equifax at the same time as a XXXX hold. XXXX showed the hold, but apparently Equifax either did n't do it, or does n't care, because the XXXX inquiry should have never been allowed without my consent. 

Can you HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I filed a billing dispute for services provided by XXXX XXXX on XX/XX/XXXX for XXXX with Citibank Cards XXXX XXXX XXXX XXXX XXXX SD XXXX. On my XXXX statement from Citibank a credit appeared.On the XXXX XXXX XXXX statement the charges were reversed. I have been going back and forth with Citibank and all requested information has been provided. 
On XX/XX/XXXX I received a letter from Citibank ( attached ) indicating that the case is closed because I did not return the concrete to the merchant. I have tried repeatedly to contact the merchant, with no response. 
I called Citibank XX/XX/XXXX and spoke with a manager, XXXX, who confirmed that until the materials ( Concrete ) are returned, they can not do anything for me. XXXX also confirmed that the merchant XXXX XXXX had not responded to Citibank either. 
From my perspective, Citibank has not provided the services they state about billing disputes or guidelines of what the Federal Trade Commission says about billing disputes. 
The XXXX was reversed and returned to the merchant, even without the merchant responding to Citibank. 
It is my understanding that after the allowed amount of time, if the merchant does not respond, the funds are returned to the cardholder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX and hoping that these XXXX XXXX Balance XXXX {$500.00} and XXXX XXXX Balance : {$0.00} Late payment will be updated.

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 2015-05-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For them to remove the items off my credit report like they should have already even without me having to dispute them. 
There are 3 or 4 total that I have disputed with them from XXXX and XXXX. 
1 is XXXX, another is XXXX, another is XXXX, and there are XXXX XXXX XXXX credit cards that are all really old. But the companies either changed the dates or sent them to collection and started them from that date. But either way I only had these cards for a short period of time and they are well over XXXX years old. And for them to refuse to remove them is illegal. Please help, thanks

Company response to consumer: Closed with explanation